HDFC now charge P2P UPI transfer after 20 FREE, Merchant UPI transaction is unlimited FREE
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Please note that effective May 3, 2020, HDFC now charge P2P UPI transfer – the first 20 ‘send money P2P (peer to peer)’ fund transfers via UPI will be free. Subsequent fund transfers will incur a nominal fee.
Note – Merchant UPI transaction is unlimited FREE
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https://www.desidime.com/discussions/hdfc-now-charge-p2p-upi-transfer-after-20-free-merchant-upi-transaction-is-unlimited-free?page=1#post_6643733
Era of Paytm will soon start again 
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Axis Bank and some other banks already started last month.
Effect of 2 paise schemes of paytm, mobikwik etc.