
Starting October 1, 2025, Sebi is rolling out a new fraud-proof UPI payment tool called ‘Valid’, designed to protect investors and ensure that their money only reaches registered market players like brokers, mutual funds, and investment advisers.
For everyday investors, this means fewer scams, more peace of mind, and faster, more secure payments.

What’s ‘Valid’ and Why Does It Matter?
‘Valid’ is a UPI-based payment system developed by Sebi in partnership with NPCI and banks. Every registered intermediary—like a broker or mutual fund—will now get a verified UPI ID ending in @valid[bankname]
.
So instead of blindly sending money to a sketchy-looking account, you’ll now see something like abc.brk@validhdfc
, along with a green thumbs-up icon in a triangle. That’s Sebi’s seal of approval—literally.
Think of it as the Instagram blue tick of financial payments, but for your life savings.
How Will Investors Benefit?
Let’s be real: India’s financial markets are growing fast, but so are the frauds. Unregistered entities have been fooling people for years—collecting money under false pretenses and vanishing overnight.
With ‘Valid’, Sebi is drawing a big, red line: If it’s not verified, it’s not getting your money.
Now investors can:
- Confirm UPI IDs through ‘SEBI Check’ (via QR code or manual entry).
- Know exactly who they’re paying.
- Avoid unregistered scamsters trying to pose as legit brokers or advisors.
In short: No badge, no cash.
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How It Works
Sebi-registered intermediaries will have UPI IDs with fixed naming rules
Daily Limit & Future Flexibility
To keep things tight and secure, Sebi has capped UPI transactions in capital markets to ₹5 lakh per day. This limit will be reviewed over time with NPCI.
Notably, Sebi had first introduced UPI payments in markets back in 2019. That move proved so smooth that it’s now becoming the default, upgraded with ‘Valid’ for more trust and transparency.
The Big Picture
This isn’t just a feature—it’s a firewall. As financial apps and DMs keep selling “too-good-to-be-true” deals, Sebi’s ‘Valid’ is a much-needed BS detector in your payment flow.
It’s fast, foolproof, and finally forces market intermediaries to earn your trust visibly.
Because in a market full of noise, clarity is currency.
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