The ₹15,000 UPI mandate is just a maximum cap set by NPCI for safety.
It does not mean you’ll be charged this amount.
Only your actual EMI will be deducted as per your loan schedule.
Example:
If your EMI is ₹2,000, you will only be debited ₹2,000 on the 1st of every month until your loan tenure ends.
The higher limit is simply a buffer to make sure your EMI gets processed smoothly.