UPI MDR Calculator

**UPI MDR Calculator** is an independent calculator that helps merchants estimate UPI Merchant Discount Rate (MDR), transaction charges, and settlement amounts based on the rule information configured in the app.

### ⚠️ Important

**UPI MDR Calculator is not affiliated with, endorsed by, or operated by the Government of India, NPCI, RBI, any bank, or payment service provider.**

The app provides calculations for informational purposes. Actual charges may vary based on merchant classification, acquiring bank, payment provider, transaction type, applicable rules, taxes, agreements, and regulatory updates.

### 💳 Calculate UPI MDR

Enter your transaction amount and merchant category to estimate:

• MDR amount
• Applicable MDR rate
• Transaction amount
• Estimated settlement amount
• Fee breakdown
• Applicable rule information

For example, enter **₹8,000** and select **Fuel / Petroleum** to see a calculation based on the rule set configured in the app.

### 🏪 Merchant Categories

Calculation options include:

• Fuel / Petroleum
• General Merchant
• Government Utilities
• Education
• Telecom
• Insurance
• Railway
• Capital Market
• Government Payments
• Other categories

Applicable treatment may vary based on merchant classification, transaction type, amount, payment instrument, and current rules.

### 📊 Monthly MDR Calculator

Estimate potential monthly and annual MDR amounts.

Enter your average transaction amount, monthly transaction count, and merchant category to calculate estimated transaction volume and MDR.

### 📚 MDR Rules & Official Sources

The app provides informational summaries of UPI MDR rules and identifies the official sources used.

**Official sources include:**

• Department of Financial Services, Ministry of Finance, Government of India
• Department of Financial Services — MDR FAQ
• Press Information Bureau, Ministry of Finance
• National Payments Corporation of India (NPCI) — UPI Circulars

Available inside the app under **MDR Rules → Official Sources**.

Government and regulatory information may change. Always verify the latest information using the official sources.

### 🔎 Merchant Information

Use merchant-category information to understand which calculation rule may apply. This is general guidance and does not determine your official merchant classification.

Your acquiring bank or payment service provider may determine the actual charges.

### 🧾 Calculation History

Review previous calculations stored on your device:

• Transaction amount
• Merchant category
• MDR amount
• Estimated settlement
• Calculation date
• Rule information

### 📱 Simple & Fast

✓ Quick MDR calculations
✓ Merchant category selection
✓ Monthly and annual estimates
✓ Calculation history
✓ Offline calculation support
✓ Merchant-focused interface
✓ Light and dark mode

### 🔐 Privacy-Focused

The core calculator does not require access to:

• Bank accounts
• UPI transaction history
• Contacts
• SMS
• Location
• Camera

Calculation history can be stored locally on your device.

### ⚠️ Disclaimer

UPI MDR Calculator is an independent informational utility and **not a government application**. It is not affiliated with or endorsed by the Government of India, NPCI, RBI, banks, or payment service providers.

Calculations are estimates based on the information and rules configured in the app. Actual charges may differ based on merchant classification, acquiring bank, payment provider, transaction type, taxes, agreements, and regulatory changes.

For important financial decisions, verify applicable MDR and charges with your acquiring bank or payment provider and consult the latest official information.

### 🔗 Official Information

**Department of Financial Services:**
https://financialservices.gov.in/

**DFS — MDR FAQ:**
https://financialservices.gov.in/faqs-merchant-discount-rate-mdr-select-upi-p2m-transactions

**Press Information Bureau:**
https://www.pib.gov.in/

**NPCI — UPI Circulars:**
https://www.npci.org.in/circulars/upi