Introduction
The Unified Payments Interface (UPI) has completely revolutionized digital payments in India. It enables instant, 24×7 money transfers directly between bank accounts — without needing to share account details or rely on cards.
But while UPI offers convenience and speed, it also comes with transaction limits set by banks, NPCI, and UPI apps to ensure security and smooth functioning.
In this guide, we’ll explain everything about UPI transaction limits — how they work, why they exist, and what the current limits are across major banks and apps.
What Is a UPI Transaction Limit?
A UPI transaction limit is the maximum amount of money you can send or receive through UPI within a specified period. These limits can apply per transaction, per day, or even monthly.
The limits help safeguard users from potential fraud, manage system load, and ensure compliance with RBI and NPCI regulations.
Types of UPI Transaction Limits
1. Per-Transaction Limit
This is the highest amount you can transfer in a single UPI payment. For most users, this limit is up to ₹1,00,000 per transaction. However, some banks may set a lower limit depending on your account type.
2. Daily Limit
This defines the total amount you can transfer in one day through UPI. For instance, if your daily limit is ₹1,00,000, you can make one ₹1,00,000 payment or multiple smaller ones adding up to that amount.
3. Transaction Count Limit
Apart from the amount, there’s often a cap on the number of transactions you can perform per day — typically around 10–20 transactions depending on your app or bank.
4. Monthly or Yearly Limit
Some banks, especially for business accounts, may have cumulative monthly or yearly caps on UPI transactions.
Why Do UPI Limits Exist?
UPI limits are designed to ensure security, system efficiency, and compliance.
Here’s why they are important:
Fraud prevention: Limits minimize potential financial loss if a user’s account or device is compromised.
System stability: Millions of UPI transactions occur daily. Limits help maintain network reliability.
Regulatory compliance: The Reserve Bank of India (RBI) and the National Payments Corporation of India (NPCI) define frameworks for digital payment safety.
Risk management: Banks can monitor unusual or suspicious activity more effectively.
Factors That Influence UPI Limits
Your UPI transaction limit depends on multiple factors, such as:
Your bank’s policy: Each bank defines its own UPI limits within NPCI guidelines.
Your account type: Savings, current, or business accounts may have different caps.
Your UPI app: Apps like Google Pay, PhonePe, Paytm, and BHIM might set additional restrictions.
KYC status: Fully verified (KYC-compliant) users generally enjoy higher limits.
Transaction history: Regular, trusted users with good history may have relaxed restrictions.
Current UPI Transaction Limits (2025 Update)
UPI Apps
| App Name | Per Transaction Limit | Daily Limit | Transactions per Day |
|---|---|---|---|
| Google Pay | ₹1,00,000 | ₹1,00,000 | Up to 20 |
| PhonePe | ₹1,00,000 | ₹1,00,000 | Up to 20 |
| Paytm | ₹1,00,000 | ₹1,00,000 | Up to 10 |
| BHIM | ₹1,00,000 | ₹1,00,000 | Up to 20 |
Popular Banks
| Bank Name | Daily Limit | Per Transaction Limit |
|---|---|---|
| State Bank of India (SBI) | ₹1,00,000 | ₹1,00,000 |
| HDFC Bank | ₹1,00,000 | ₹1,00,000 |
| ICICI Bank | ₹1,00,000 | ₹1,00,000 |
| Axis Bank | ₹1,00,000 | ₹1,00,000 |
| Kotak Mahindra Bank | ₹1,00,000 | ₹1,00,000 |
Note: Limits may differ based on your account category or the specific UPI app you use. Always confirm your limit in your banking app.
How to Increase Your UPI Limit
If you often reach your limit, here are a few ways you can try to increase it:
Complete full KYC verification with your bank or app.
Request a higher limit through your bank’s customer service or mobile banking app.
Maintain a good transaction record — consistent, legitimate usage helps.
Use business banking if you need to make large transfers regularly.
Banks review such requests individually, so approval depends on your account type and usage history.
Tips for Managing Your UPI Transactions
✅ Check your remaining limit before making high-value transfers.
✅ Split large payments if they exceed your limit.
✅ Avoid exceeding the daily transaction count.
✅ Use verified UPI apps only.
✅ Stay updated on any changes in NPCI or RBI guidelines.
Conclusion
UPI has made digital payments faster, simpler, and more accessible for everyone — from small merchants to big enterprises. However, understanding your UPI transaction limits helps you plan your payments better and avoid transaction failures.
Keep your UPI app updated, verify your account fully, and stay aware of your limits — and you’ll enjoy seamless digital transactions every day.