Fact Check
Will UPI purchases become cheaper than using credit cards? Here’s what we know
Credit cards have an associated merchant discount rate (MDR) of 2-3 per cent that either erodes merchant margins or gets indirectly transferred to customers.
Mumbai:
Indiaâs Unified Payments Interface (UPI) continues to cement its position as the backbone of the countryâs digital payment infrastructure. In the second half of 2024, UPI transaction volumes soared to 93.23 billion, reflecting a 42% year-on-year (YoY) growth, according to data from the National Payments Corporation of India (NPCI).
Now, in a move aimed at increasing UPI adoption even further, the government is reportedly considering steps to make UPI usage cheaper than credit cards.
Consumer Affairs Ministry Exploring Price Incentives for UPI
As reported by Livemint, the Consumer Affairs Ministry is working on a mechanism that would allow the cost benefits of UPI to be passed on directly to consumers.
If implemented, this could mean automatic price advantages for UPI users. For example, consumers might pay âč98 via UPI for a product that would cost âč100 via credit card, giving a direct monetary incentive to choose UPI over card payments.
UPI Transaction Volumes Surge; Government Plans to Make UPI Cheaper Than Credit Cards
Mumbai:
Indiaâs Unified Payments Interface (UPI) continues to cement its position as the backbone of the countryâs digital payment infrastructure. In the second half of 2024, UPI transaction volumes soared to 93.23 billion, reflecting a 42% year-on-year (YoY) growth, according to data from the National Payments Corporation of India (NPCI).
Now, in a move aimed at increasing UPI adoption even further, the government is reportedly considering steps to make UPI usage cheaper than credit cards.
Consumer Affairs Ministry Exploring Price Incentives for UPI
As reported by Livemint, the Consumer Affairs Ministry is working on a mechanism that would allow the cost benefits of UPI to be passed on directly to consumers.
If implemented, this could mean automatic price advantages for UPI users. For example, consumers might pay âč98 via UPI for a product that would cost âč100 via credit card, giving a direct monetary incentive to choose UPI over card payments.
Why UPI is Cheaper Than Credit Cards
Credit cards typically involve a merchant discount rate (MDR) of 2â3%, a fee borne by the merchant but often indirectly passed on to consumers through higher pricing. UPI, on the other hand, does not carry any MDR, making it a cost-effective and transparent payment method.
According to Shams Tabrej, CEO of Ezeepay:
âIf the customer is provided with a clear price benefit for using UPIâfor instance, paying âč98 instead of âč100âit could influence daily purchasing behaviour and improve transparency in retail pricing. With UPI transaction speeds expected to double by June 2025, this policy could make UPI an even more preferred payment mode.â
Policy Goals and Timeline
The overarching goal of this move is to boost the adoption of UPI and promote digital financial inclusion. The Consumer Affairs Ministry is expected to hold stakeholder consultations in June 2025, following which a final blueprint of the policy could be developed.
This initiative underscores Indiaâs continued efforts to evolve into a cash-light economy, while offering cost-effective solutions for both merchants and consumers.
Bollywood
No âč3 Lakh Fine or 2-Year Jail: The Truth Behind the âHaklaâ GIF Buzz
The Reality Behind the âHaklaâ GIF Legal Rumor
What is the âHaklaâ GIF and Why It Went Viral
The so-called âHaklaâ GIF is a meme that has been circulating on social media platforms for years. It features a stammering clipâoften with Shah Rukh Khanâs face edited inâthat mocks speech hesitations. The memeâs tone is ableist, as it ridicules people with speech disabilities.
The clip has been used widely in WhatsApp stickers, Instagram stories, and Twitter reactions, making it a part of meme culture, even though many find it offensive.

How the âč3 Lakh Fine and Jail Claim Started
In late July 2024, a satirical social media page called aaandtv posted a humorous âpublic announcementâ stating: Using the Hakla GIF on any social media platform will now attract a fine of âč3 lakh and up to 2 years imprisonment.
The post carried a disclaimer that it was purely for entertainment purposes. However, as is often the case on the internet, many people shared screenshots without the disclaimer, making it appear like an actual government notification.
Within hours, the claim went viral, with hashtags like #HaklaGIFBan and #3LakhFine trending on Twitter and Instagram.
The Legal Reality â No Such Law Exists
After the rumor exploded, fact-checkers and media outlets stepped in to clarify:
- There is no official government order banning the âHaklaâ GIF.
- No new law has been passed imposing a âč3 lakh fine or 2 years imprisonment for using it.
- India does not have a cyberlaw that explicitly criminalizes sharing specific memes, unless they fall under harassment, hate speech, or defamation.
While the Rights of Persons with Disabilities Act, 2016 prohibits discrimination against persons with disabilities, it does not prescribe automatic fines and jail for sharing online memes unless a case is filed and proven in court.

Could Posting Such a GIF Still Get You in Trouble?
Technically, yes â but not in the way the viral post claimed.
- If a person with a speech disability were to file a legal complaint claiming harassment or defamation, the case could be pursued under IPC Section 499 (Defamation) or Section 500 (Punishment for Defamation), and possibly under Section 66A of the IT Act (though partially struck down).
- However, such cases are rare and would be judged individually â not automatically punished with a fixed fine and jail time.
Why Satire Gets Mistaken for Truth Online
This case is a classic example of how satire without context can morph into âfake newsâ:
- Social media thrives on screenshots â once a disclaimer is cropped out, satire becomes misinformation.
- The official tone of the joke post made it look like a government press release.
- The publicâs general distrust of sudden âonline bansâ made the rumor believable.

Ethical Side of the Debate
While itâs not illegal per se, the âHaklaâ GIF promotes ableism â mocking someoneâs disability for humor. Many activists urge people to avoid such content as part of responsible digital behavior.
Social media platforms have also been gradually pushing for more inclusive memes that donât rely on ridiculing disabilities.
The Bottom Line
- No new law exists â you will not be fined âč3 lakh or jailed for 2 years simply for sharing the âHaklaâ GIF.
- But â you should still avoid sharing content that mocks disabilities to promote a respectful online culture.
- This incident is another reminder to fact-check viral claims before believing or sharing them.

Fact Check
Donât Be Misled: No Surya Grahan Will Occur on 2 August 2025
In recent days, several social media platforms have been flooded with claims that a Surya Grahan (solar eclipse) will occur on August 2, 2025, and that it will have major spiritual and scientific implications. Some posts even went viral with fake graphics, “scientific alerts,” and pseudo-astrological predictions.
The messages triggered anxiety and confusion among astrology enthusiasts, religious observers, and curious citizens. However, the truth is quite the opposite â no solar eclipse will occur on August 2, 2025, according to both government agencies and international astronomical data.

What the Rumors Claimed
The fake viral posts claimed:
- A rare solar eclipse would occur on 2 August 2025.
- It would be visible in India and affect daily life.
- Pregnant women should stay indoors during the eclipse.
- âAstrological changesâ would occur due to planetary alignments.
These messages were mostly circulated through WhatsApp forwards, Facebook posts, YouTube videos, and some astrology websites with no scientific credibility.
PIB Fact Check: The Official Truth
The Indian governmentâs PIB Fact Check unit â the official body for countering fake news and misinformation â took swift action and issued a public clarification: A viral message claiming that a Surya Grahan (Solar Eclipse) will occur on 2 August 2025 is misleading and fake. No solar eclipse will occur on that day anywhere in the world.
This statement aligns with astronomical records from global observatories and organizations like NASA and TimeandDate.com, which maintain verified eclipse calendars.
No Eclipse in August 2025 â Here’s What the Experts Say
According to NASA’s official eclipse calendar, the next solar eclipses around that time are:
- March 29, 2025 â A partial solar eclipse, visible from parts of India, Europe, and Asia.
- September 21, 2025 â A total solar eclipse, visible mainly from the Southern Hemisphere (not India).
So, there is no record or prediction of any solar eclipse on August 2, 2025, anywhere in the world.

Why These False Claims Matter
Eclipses have long been tied to myths, rituals, and religious practices in India. Claims about eclipses can influence people’s behaviors â from skipping meals to avoiding going outdoors. In some cases, these rumors:
- Spread fear among pregnant women and the elderly.
- Cause disruption in daily life based on unverified “sutak” periods.
- Drive people toward pseudoscientific beliefs and false rituals.
This highlights why such misinformation must be corrected â and why credible sources must be promoted.

Impact of Such Rumors in India
Historically, eclipse-related rumors have had significant cultural and social consequences in India:
- Schools and temples often shut down based on misinformation.
- Businesses and events are postponed due to eclipse superstitions.
- People skip medications, fasting based on unauthenticated timings.
- Many consult astrologers before making financial or personal decisions during such times.
In this digital age, the reach and speed of false information are greater than ever. That’s why fact-checking and public awareness are essential.
How to Spot Fake Eclipse News
Here are 5 quick tips to verify eclipse-related information:
- Check NASAâs Eclipse Calendar â Official and updated regularly:
- Use TimeandDate.com â Offers detailed local and global visibility data.
- Follow ISRO and Vigyan Prasar â For scientific updates from Indian institutions.
- Avoid chain messages â Most viral WhatsApp forwards are hoaxes.
- Fact Check via PIB â Follow on X (Twitter).
Fact Check
June 6 is not a national holiday, clarified by PIB after fake social media claims
On March 20, 2024, the Government of India officially designated the Press Information Bureau’s (PIB) Fact Check Unit (FCU) as the authorized fact-checking body under the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (IT Rules 2021). This move aims to combat the spread of misinformation related to the Central Government’s activities across digital platforms

Legal Framework and Mandate
The notification, issued by the Ministry of Electronics and Information Technology (MeitY), empowers the PIB FCU to identify and flag online content that is “fake,” “false,” or “misleading” concerning any business of the Central Government. This authority is granted under sub-clause (v) of sub-rule (1) of Rule 3 of the IT Rules 2021
Operational Scope
Established in November 2019, the PIB FCU’s primary objective is to deter the creation and dissemination of fake news and misinformation pertaining to the Government of India. The unit actively monitors, detects, and counters disinformation campaigns, ensuring that false information about the government is promptly exposed and corrected
Implications for Digital Platforms
Under the IT Rules 2021, intermediaries like social media platforms are obligated to make reasonable efforts to not host or publish information that has been identified as false by the government’s fact-check unit. Failure to comply may result in the loss of “safe harbour” protections, which shield platforms from liability for user-generated content
Public and Legal Reactions
The notification has sparked debates concerning press freedom and potential censorship. Critics, including the Editors Guild of India and the News Broadcasters & Digital Association, argue that granting the government authority to determine the veracity of information could suppress dissent and legitimate criticism
Legal challenges have been mounted against the notification. Notably, comedian Kunal Kamra filed a petition in the Bombay High Court, contending that the amendments could be used to silence government critics under the guise of combating fake news .
The Supreme Court of India has since stayed the Union Governmentâs notification on the PIB Fact Check Unit, citing concerns over freedom of speech and expression .
Conclusion
The formal notification of the PIB’s Fact Check Unit under the IT Rules 2021 represents the government’s intensified efforts to address misinformation related to its operations. However, the move has ignited significant discourse on the balance between combating fake news and upholding democratic freedoms. As legal proceedings continue, the ultimate impact of this development on India’s information ecosystem remains to be seen.
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