Step-by-Step Calculation Examples
Example #1
Merchant MDR on ₹10,000 Transaction
Scenario: Calculating MDR and net payout on ₹10,000 sale.
Given Inputs:
- Transaction Amount: ₹10,000
- Transaction Type: Specified Merchant Payment (> ₹2,000)
Working:
MDR (0.4%): ₹40.00 | GST on MDR (18%): ₹7.20 | Total Fee: ₹47.20
Calculated Result:
Net Merchant Payout: ₹9,952.80 | Splitting into 6 parts under ₹2,000 saves ₹47.20 (100% fee savings)
How to Use the UPI MDR Charges & Interchange Fee Calculator
- Enter the total transaction or invoice amount in ₹.
- Select the transaction type (P2P Personal, P2M Standard Merchant, or PPI / Wallet).
- Instant breakdown displays MDR fee (0.4% or 1.1%), 18% GST on MDR, and Net Merchant Payout.
- View the Zero-Fee Split Recommendation to eliminate 100% of interchange deductions.
Common Real-World Use Cases
Merchant Cost Planning
Estimate monthly interchange fee deductions on high-ticket retail and service transactions.
Accounting & GST Reconciliation
Calculate the exact 18% GST component on MDR charges for financial reporting.
Key Features & Capabilities
- Updated with the official 15 October 2026 UPI MDR framework rules.
- Calculates 0.4% MDR (capped at ₹300) for merchant transactions above ₹2,000.
- Includes 18% GST calculation on merchant discount rates.
- Smart Zero-Fee Split Advisor shows how many sub-₹2,000 QR chunks eliminate all fees.
- 100% private in-browser computation with live interactive sliders.
Technical Architecture & Privacy
UPI MDR Charges & Interchange Fee Calculator is engineered with a focus on performance, mathematical accuracy, and maximum user privacy. Operating entirely in-browser on the client side, all processing takes place locally within your browser's JavaScript engine. None of your financial numbers, text entries, or private inputs are ever transmitted to or stored on remote servers.