Bankers have flagged concern over RBI's proposed one-hour delay on UPI transfers above ₹10,000. "This measure, if implemented, could kill the real-time payments in the country," said a senior banker. "The proposal…acts like a circuit breaker. It gives the victim a 'golden hour'," said Digio CEO Abhinav Parashar. Notably, the regulator's suggestion comes in the wake of digital frauds.