Monthly free credits reduced from ₹50 to ₹20

Starting next month, the free credit allowance drops from ₹50 to ₹20 (about 57 OTPs). Credits you’ve already been given this month aren’t affected; this only takes effect going forward. The low-balance notification threshold has also been lowered, from ₹20 to ₹10, so a fresh ₹20 allowance doesn’t trigger a warning on your first OTP send. Your cash wallet balance, if you’ve topped up, is completely unaffected.