UPI Transaction Limit: Daily Transfer Limits for All Major Banks

The standard UPI payment limit in India is ₹1,00,000 per day for most users. This limit applies across all UPI apps combined and resets on a rolling 24-hour basis from your first transaction, not at midnight. For specific high-value categories like education fees, medical bills, tax payments, and IPO investments, the limit goes up to ₹5,00,000 per transaction.

New users face a ₹5,000 cap for the first 24 hours after registration. State Bank of India and most major banks follow the ₹1 lakh daily limit, while some banks like Union Bank offer ₹2 lakh, and many Regional Rural Banks set lower caps.

What is the UPI Payment Limit in India?

The UPI payment limit in India is the maximum amount you can send through the Unified Payments Interface system. The National Payments Corporation of India (NPCI) sets the main rules, and individual banks apply their own limits based on these rules . The upi payment limit in india serves as a safety measure.

It protects your money from fraud and helps the system run smoothly. Think of it like a daily spending allowance for your digital wallet. Most people can send up to ₹1,00,000 every day. This covers all your UPI payments, whether you use Google Pay, PhonePe, Paytm, or any other app linked to your bank account .

You may also read :- Difference Between IMPS and UPI: Which Money Transfer Mode Is Better?

Understanding the UPI Transaction Limit Per Day

Is the UPI Limit Per Day or 24 Hours?

This is one of the most common questions about the upi payment limit in india. Many people assume the limit resets at midnight. That's not how it works. The UPI limit follows a rolling 24-hour window. It does not reset at 12 AM. Instead, it resets 24 hours after your very first transaction of the day.

This is a crucial point. For instance, suppose you send ₹80,000 at 10 AM today. You will only have ₹20,000 left to use until 10 AM tomorrow. Midnight will not reset your limit . This rule applies to all UPI apps linked to the same bank account. So, to avoid problems, plan your big payments early. This ensures you do not hit the limit before completing an important transfer.

UPI Transaction Limit Per Day for Major Banks

Different banks set different daily limits. Here is a look at what you can expect from major banks in India.

SBI UPI Payment Limit in India per Day

The upi payment limit in india sbi offers is ₹1,00,000. This limit applies per transaction and per day . You can make up to 20 person-to-person transfers daily. There is no limit on how many merchant payments you can make, as long as you stay within the ₹1,00,000 daily cap. SBI has not set a monthly or weekly limit. This makes it a flexible option for regular users. New SBI users have a temporary limit. They can only send ₹5,000 in the first 24 hours after setting up UPI .

HDFC Bank and ICICI Bank UPI Limits

HDFC Bank and ICICI Bank follow the standard NPCI rule. Their upi payment limit in india is ₹1,00,000 per day . This is the same across all their account types. New users of these banks also face the ₹5,000 limit for the first 24 hours. This is a common security measure. It prevents fraud on newly registered accounts. These banks do not have a monthly UPI limit . This makes them a good choice for people who need to make regular high-value payments.

Other Public and Private Sector Bank Limits

Many other banks also follow the ₹1 lakh daily limit. Here are a few examples:

• Union Bank of India: Offers a higher limit of ₹2,00,000 per day .
• Punjab National Bank (PNB): Has a lower limit of ₹50,000 per day .
• Axis Bank, Kotak Mahindra Bank, Yes Bank: All follow the standard ₹1,00,000 daily limit .

For a more detailed view, here is a quick table:

UPI Transaction Limit Per Day on Apps

The upi payment limit in india is tied to your bank account, not the app. This means if you use the same SBI account on both Google Pay and PhonePe, your total limit is still ₹1,00,000. Here is the breakdown for popular apps:

UPI Transaction Limit Per Day PhonePe

The UPI transaction limit per day PhonePe allows is the same as your bank's limit. This is usually ₹1,00,000 . PhonePe, like other apps, follows the NPCI guidelines. This means the limit is set by your bank. If your bank allows ₹1,00,000, that is your limit on PhonePe too. The app does not add any extra restrictions. New users on PhonePe also face the ₹5,000 limit for the first 24 hours .

Google Pay and Paytm UPI Limits

Google Pay and Paytm work the same way as PhonePe. They do not set their own UPI limits. The limit is determined by the bank linked to the app . All three apps allow up to 20 UPI transactions per day . The ₹1,00,000 daily cap applies across all these apps combined. This is because the limit is linked to your bank account, not each app individually. So, using more apps does not mean you can send more money. The bank-level cap remains the same.

UPI Payment Limit in India Per Month

There is no standard upi payment limit in india per month set by NPCI. Most banks do not have a monthly UPI limit. For example, SBI does not impose any monthly or yearly limit . However, some banks do. IDFC First Bank, for instance, has a monthly UPI limit of ₹30,00,000 . This is a high limit, but it is still a cap. So, if you make many large transactions in a month, you might hit this limit. This is more of a concern for businesses than for regular individuals. Always check with your bank to be sure.

Special High-Value UPI Limits: Up to ₹5 Lakh

For specific types of payments, the UPI limit is much higher. NPCI and RBI have allowed limits of up to ₹5,00,000 for certain categories . These are called special category limits. They apply to verified merchants and specific payment types.

When Can You Send ₹5 Lakh via UPI?

The higher limit of ₹5 lakh is allowed for these categories:

• Medical and Healthcare: Payments to hospitals and for treatment .
• Educational Institutions: Paying school or college fees .
• Tax Payments: Making direct and indirect tax payments .
• Insurance Premiums: Paying for life or health insurance .
• Capital Market and IPO Applications: Investing in stocks or subscribing to IPOs .
• Travel Payments: For booking flights, hotels, etc. .

This higher limit makes UPI a viable option for large expenses. For example, you can easily pay school fees or hospital bills using UPI. To use this, the merchant must be a verified entity. Your bank also needs to have this feature enabled for your account.

Important UPI Rules and Exceptions

There are a few more rules to understand. These can impact how you use UPI.

New User Limit: ₹5,000 for 24 Hours

If you are new to UPI, or if you have just changed your phone, you will see a lower limit. You can only send up to ₹5,000 in the first 24 hours after registration . This applies to all banks and apps. It is a security measure from NPCI. It prevents fraudsters from misusing newly activated accounts. So, if you switch phones or add a new account, plan accordingly. You will need to wait 24 hours before you can send larger amounts.

Transaction Count Limit

Apart from the rupee limit, there is also a transaction count limit. Most banks allow up to 20 UPI transactions per day . This count applies to person-to-person transfers. For merchant payments, there is usually no count limit . Both limits work independently. You could hit the transaction count limit even if you have not reached the ₹1,00,000 daily cap. For example, if you make 20 small payments, you will reach the count limit for P2P transfers.

Does Using Multiple Apps Increase My Limit?

No, it does not. This is a common myth. The limit is linked to your bank account . Using the same bank account on Google Pay, PhonePe, and Paytm will not triple your limit. The ₹1,00,000 cap is total across all these apps combined . So, if you send ₹40,000 via Google Pay, you can only send ₹60,000 more via PhonePe on the same day. This is a key point to remember. The limit applies to the UPI channel as a whole, not individual apps.

UPI 123Pay for Feature Phones

For users without smartphones, there is UPI 123Pay. This service works on feature phones. The per-transaction limit for UPI 123Pay is ₹10,000 . This is lower than the standard limit for smartphone apps. It is designed for the needs of feature phone users, who mostly make smaller transactions. The daily limit for UPI 123Pay is also lower. Always check with your service provider for the exact numbers.

UPI Lite

UPI Lite is a separate wallet system. It is designed for small-value transactions. The per-transaction limit for UPI Lite is ₹4,000. The wallet balance limit is ₹50,000 . Here is the important part: UPI Lite limits are separate. They do not count towards your standard ₹1,00,000 daily limit. This means you can make small payments from your UPI Lite wallet without affecting your main UPI limit.

How to Check and Increase Your UPI Limit?

Sometimes, you may find your limit is lower than expected. Here is what you can do.

Why Is My UPI Limit Lower?

Your UPI limit might be lower for a few reasons. The most common one is being a new user. You will have a ₹5,000 limit for the first 24 hours . Incomplete KYC can also reduce your limit. Banks often set lower limits for accounts with incomplete details. Some banks set a lower limit for new accounts. This is a fraud prevention measure. After a few months, the limit goes up. Another reason could be the bank's policy. For example, PNB has a lower limit than SBI . If your limit is low, it is best to contact your bank.

Can I Increase My UPI Transaction Limit?

Yes, you can try to increase your limit. Here are a few ways:

1. Complete Your KYC: Make sure your bank has your up-to-date KYC documents . This is the first and most important step. Full KYC often unlocks higher limits.
2. Contact Your Bank: Your bank sets your UPI limit. Call customer service or use net banking. Ask if your limit can be raised .
3. Check Transaction Category: If you are making a payment for education or healthcare, it may automatically qualify for the ₹5 lakh limit .
4. Use a Different Account: If you have accounts in different banks, you can use each one's UPI limit. But remember, each account has its own separate limit.

If your bank does not raise the limit, you can use other methods. Net banking or RTGS are good for very large amounts. They do not have the same daily limits as UPI. You can also split a large payment over two days. This is not always convenient, but it works.

Expert Opinion

"UPI is a fantastic tool for daily transactions, but many people misunderstand the limits. The rolling 24-hour window is the most confusing part. I always advise my clients to plan their largest payments first. This way, they do not hit the limit unexpectedly. Also, remember that the limit is with your bank, not your app. Using multiple apps with the same account is a waste of time if you want to increase your limit." — Financial Advisor, Mumbai.

"From a banking perspective, the new higher limits for education and healthcare are a game-changer. It shows that UPI is maturing as a payment system. It is no longer just for small purchases. It can now be used for significant life expenses. However, users must ensure they are using UPI with verified merchants to qualify for these higher limits." — Senior Bank Manager, New Delhi.

Conclusion

The upi payment limit in india is a straightforward system once you understand the rules. The standard daily limit is ₹1,00,000. This applies to almost all banks and apps . Remember, this limit works on a rolling 24-hour basis. For specific needs like paying school fees or medical bills, the limit goes up to ₹5,00,000 . New users have a temporary ₹5,000 limit for the first day .

SBI and most banks follow the ₹1 lakh rule, but some banks have different policies. The limit is tied to your bank account, not the app. So, using multiple apps with the same account will not increase your total limit. By knowing these rules, you can plan your payments better. This will help you avoid transaction failures and make the most of UPI.

FAQs on UPI Payment Limit in India

1. Is the UPI limit per day or 24 hours?

The UPI limit works on a rolling 24-hour basis. It does not reset at midnight. The clock starts from your first transaction of the day. You can only send a total of ₹1,00,000 until that same time the next day .

2. What is the UPI transaction limit per day for PhonePe?

The UPI transaction limit per day PhonePe offers is the same as your bank's limit. This is usually ₹1,00,000. The limit is set by the National Payments Corporation of India and your bank, not PhonePe itself .

3. What is the UPI payment limit in India for SBI?

The upi payment limit in india sbi customers have is ₹1,00,000 per day. This limit applies per transaction and per day. SBI does not have any monthly or yearly UPI limit .

4. What is the UPI payment limit in India per month?

There is no standard upi payment limit in india per month set by NPCI. Most banks, like SBI, do not have a monthly limit. However, some banks like IDFC First Bank have a monthly limit of ₹30,00,000 .

5. How can I send more than ₹1 lakh via UPI?

You can send more than ₹1 lakh via UPI for specific categories. These include tax payments, educational fees, medical bills, and IPO subscriptions. For these transactions, the limit is increased to ₹5,00,000 .

6. Why is my UPI limit so low?

Your UPI limit might be low because you are a new user. You have a ₹5,000 limit for the first 24 hours . Incomplete KYC can also lower your limit. Some banks also set lower limits for certain accounts as a security measure. Contact your bank to find out more .