MDR

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DEPT. OF FINANCIAL SERVICES—

Few allegations are in the media that the MDR has been introduced because of external pressure. They are giving reference to US Trade Representative (USTR) report of 2026.

The USTR report has raised the following two issues:

(i) Inability of US electronic payment services suppliers to participate in the UPI ecosystem, including credit transactions on UPI, on a level playing field with RuPay.

✅ Reality:
The NPCI circular of 15.9.2026 does not allow credit transactions of UPI by any other credit card other than RuPay credit card. There is a clear policy of only allowing RuPay credit card on UPI to enable RuPay credit card to become the preferred choice of credit card amongst users in India.

(ii) NPCI market-share limitation of 30 per cent for third-party application providers (announced November 2020; enforcement date December 2026)

✅ Reality:
Although, NPCI had mandated market share limitation of 30 per cent for third-party application providers in November 2020, however, this mandate could not be implemented because companies other than the market leaders could not compete in absence of self-sustaining revenue model. Introduction of MDR on select high-value transactions will provide a self-sustaining revenue model to smaller companies to compete for higher share in the UPI ecosystem. Thus introduction of MDR has been done with the intention of allowing more domestic companies to expand their operations.

2. Contrary to misleading claims made that MDR has been introduced under external pressure, introduction of MDR on select high-value transactions will enable more domestic companies to operate under UPI. Thus, the action of introduction of MDR is a step in protecting India’s sovereignty in Electronic payment ecosystem.

3. Government of India has promoted RuPay credit and debit cards to show that people have a strong domestic alternative. In order that the RuPay credit cards continue to grow, the debit card has been kept free of MDR.

The allegation that MDR has been introduced under any external influence is patently false and misleading.

CC- ElitePredators

Refrain from making jokes about our admins Maintain the line of respect

US Secretary of the Treasury Bessent on Iran:

"On September 23, all Iranian airlines will be shut down around the world.

How do we do that? If they land, you cannot provide them with fuel, you cannot provide them with landing services, you cannot sell them tickets, or you will be knocked out of the dollar system."

क्रोधाद् भवति सम्मोहः सम्मोहात् स्मृतिविभ्रमः।
स्मृतिभ्रंशाद् बुद्धिनाशो बुद्धिनाशात् प्रणश्यति॥ २.६३॥

Bhagavad Gita, Chapter 2, Verse 63 (श्रीमद्भगवद्गीता 2.63)

Transliteration:
Krodhād bhavati sammohaḥ, sammohāt smṛti-vibhramaḥ,
smṛti-bhraṁśād buddhi-nāśo, buddhi-nāśāt praṇaśyati.

Meaning
From anger comes delusion; from delusion, loss of memory; from loss of memory, destruction of intellect; and when intellect is destroyed, the person falls.

This shloka explains how an uncontrolled emotion can gradually take over a person's thinking and actions.

क्रोध (Anger) → When our desires or expectations are frustrated, anger arises.

सम्मोह (Confusion/Delusion) → Anger clouds our thinking. We stop seeing the situation objectively and may interpret things according to our emotions.

स्मृतिविभ्रम (Loss/Distortion of Memory) → In anger, we forget the lessons, values and principles we already know. We may know what is right but fail to apply it in that moment.

बुद्धिनाश (Loss of Discrimination/Judgment) → Once our guiding knowledge is lost, our ability to reason, distinguish right from wrong and think about consequences becomes impaired.

प्रणश्यति (Downfall) → Because judgment is impaired, we may take impulsive or destructive actions, eventually harming our relationships, goals, reputation or peace of mind.

Guys, this needs to be understood clearly

The incident recently reported from Bihar is a reminder that respect for women and their personal boundaries is non negotiable

If you ever see a friend or anyone else misbehaving with a girl or touching her without her consent do not support it, record it, or stand there as a spectator. If it is safe, intervene and tell the person to stop

If the person is armed, threatening, or the situation is getting dangerous, do not try to be a hero Move to a safe place and immediately call the police

And remember if a friend is the one doing it friendship is not an excuse to defend him. Stop him, make it clear that his behaviour is unacceptable, and distance yourself if he refuses to stop

Whatever the reason or situation may be no one has the right to touch a woman without her consent

Keep your conduct disciplined. Respect boundaries Do the right thing, even when the person crossing the line is your own friend

Pleaseeee be respectful towards ladies and girl child


Rishabh tripathi

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