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UPI MDR calculator

Type an amount, see the fee at once.

How many rupees the customer sent

MDR fee

₹20

Reaches your account

₹4,980

The arithmetic

  • ₹5,000 × 0.4% = ₹20

0.4% of the full ₹5,000, because the transaction is above ₹2,000. FAQ question FAQ Q26

This fee cannot be recovered from the customer (Q34).

Common amounts

The fee at different amounts

Transaction amountMDR fee₹2,000₹0 — no fee₹5,000₹20₹50,000₹200₹75,000₹300capped₹1,00,000₹300capped₹300 cap
MDR at different amountsBar chart: ₹0 on ₹2,000, ₹20 on ₹5,000, ₹200 on ₹50,000, ₹300 on ₹75,000, ₹300 on ₹1,00,000. At ₹75,000 the fee reaches the ₹300 cap and stops growing - it is the same on ₹1,00,000.
Past ₹75,000 the fee stops growing. However large the payment, it never exceeds ₹300. (FAQ Q26, Q32)

Which businesses pay a flat ₹5

A flat ₹5 on every payment above ₹2,000Railways₹5 · Q33Telecom₹5 · Q33Insurance₹5 · Q33Fuel₹5 · Q33Utilities₹5 · Q41Which other sectors?The FAQ says "among others" -the full list is not published
Which sectors pay a flat ₹5Railways, Telecom, Insurance, Fuel, Utilities pay a flat ₹5 on every payment above ₹2,000 (FAQ Q33, Q41). A separate dashed tile underneath marks the rest: the FAQ adds "among others", and the full list has not been published.
Confirmed sectors in solid tiles; the "among others" part is dashed - it is not settled yet.

How to use this

  1. In the "Transaction amount" box, type the amount your customer sent - for example 5000. You do not need commas or a rupee sign.
  2. Two figures appear straight away - "MDR fee" is what gets deducted, and "Reaches your account" is what is left. There is no button to press.
  3. Below that, pick your work under "Your line of business". If you run a shop, restaurant, pharmacy or a service business, leave it on "General merchant".
  4. The "The arithmetic" line shows the full working, so you can check it yourself.

A worked example

Say a customer sends ₹5,000. Type 5000 in the amount and leave the business as "General merchant". The fee shows as ₹20 and ₹4,980 reaches your account. The arithmetic: ₹5,000 × 0.4% = ₹20.

How this is calculated

The rate and the thresholdFAQ question FAQ Q26

0.4% of the full transaction amount, on P2M transactions above Rs 2,000. The Rs 2,000 is a threshold, not a deduction - a Rs 5,000 payment is charged on all Rs 5,000.

The per-transaction capFAQ question FAQ Q32

MDR is capped at Rs 300 per transaction. Because 0.4% of Rs 75,000 is exactly Rs 300, the fee stops growing at Rs 75,000 and stays Rs 300 however large the payment is.

Flat-fee sectorsFAQ question FAQ Q33, Q39, Q40, Q41Not confirmed yet

Some sectors pay a flat Rs 5 per transaction instead of 0.4%, and only on transactions above Rs 2,000. The per-transaction cap does not apply, because Rs 5 is already a fixed amount.

When it startsFAQ question FAQ Q5

MDR applies to qualifying transactions dated 15 October 2026 and later. Anything before that date carries zero MDR.

You cannot pass it onFAQ question FAQ Q34

A merchant cannot recover MDR from the customer. You may not add it to the bill, show it as a surcharge, or ask for a higher amount to cover it.

Read the official NPCI/DFS FAQMerchant Discount Rate (MDR) on Select UPI (P2M) Transactions - Frequently Asked Questions — NPCI / Department of Financial Services (DFS), Ministry of Finance

Read the full explainer

How the ₹300 UPI MDR cap works, with examples at ₹5,000, ₹50,000 and ₹1 lakh

Why does UPI MDR stop at ₹300? Where the cap starts (₹75,000), and exactly what payments of ₹5,000, ₹50,000 and ₹1 lakh cost - with the arithmetic shown.