Generally, you cannot pay ₹10 lakh in a single transaction via GPay, as the standard daily UPI limit is ₹1 lakh. However, as of late 2025, UPI limits have increased to ₹5 lakh for specific categories like taxes, hospitals, and IPOs, and up to ₹10 lakh for specialized, high-value, or regulated transactions.
Daily limits
You may reach a daily limit if: You try to send more than ₹1,00,000 in one day across all UPI apps. You try to send money more than 20 times per day and 150 per month for P2P transactions across all UPI apps.
The Google Pay transaction limit per day remains Rs. 1,00,000 for most banks with a maximum of 20 transactions allowed per day. Additionally, Google Pay limits vary based on your bank and transaction type (e.g. P2P, merchant, or capital market transactions).
The UPI transaction limit per day is Rs. 1 lakh for most banks, with an enhanced limit for special categories of up to Rs. 10 lakh. Some banks also impose a UPI transaction limit per day to manage high-value transfers.
Safe, secure transactions
With built-in authentication, transaction encryption, and fraud protection, Google Pay helps keep your money and personal information safe.
The maximum UPI transaction limit for Google Pay stands at ₹1 lakh (Rs 100,000) across all banks, allowing users to send or receive up to this amount daily. For new users, an initial UPI transaction limit of ₹5,000 is applicable for the first 24 hours.
You can make purchases in stores that accept contactless payments using Google Pay with your compatible Android device (subject to current $250 limit for point-of-sale transactions).
The UPI transaction limit per day is set at ₹1 lakh by the National Payments Corporation of India (NPCI). For UPI 123Pay, the per-transaction limit is ₹10,000. Users are also restricted to a maximum of 20 UPI transactions in a single day.
You can transfer large amounts of money, but transactions over $10,000, especially in cash or structured deposits, trigger mandatory reporting (like IRS Form 8300 or Bank Secrecy Act (BSA) reports), not necessarily taxes, to fight money laundering. Banks file reports for cash over $10k (CTR) or suspicious activity (SAR) if they see patterns to avoid reporting (structuring), which can flag accounts even for smaller amounts like $200 if part of a pattern.
The Google Pay (GPay) transaction limit per day in India is ₹1 lakh (₹1,00,000) across major banks, allowing users to send or receive up to this amount within 24 hours.
Generally, you can send up to ₹1,00,000 daily and per transaction. However, specific payments like those for capital markets, hospitals, or education may allow transfers up to ₹5,00,000. These limits protect your funds and comply with financial regulations.
No, Google Pay generally doesn't charge users fees for standard payments, but you might encounter charges from your own bank (like foreign transaction fees) or specific platform fees for certain bill payments (like utilities in India), while merchants pay standard processing rates but no extra Google fee for accepting it. For users, tap-to-pay and online purchases with linked cards are usually free, but be aware of your card issuer's fees, especially for international use or late payments.
Purchases with Google Pay balance
If you set up your Google Pay balance to make contactless payments, there are some transaction limits: Maximum single transaction amount: $2,000 USD. Daily maximum total transaction amount: $2,500 USD.
Yes, you can use Google Pay from the USA to send money to India by integrating with services like Wise or Western Union within the US Google Pay app, but you need an Indian recipient with a UPI ID or bank account and an Indian phone number to receive it. The US Google Pay app was discontinued in June 2024, so you'll use the Google Wallet app (which is the new name for GPay in the US) to initiate international transfers powered by partners like Wise to send money to India.
The National Payments Corporation of India (NPCI) has increased UPI transaction limits for specific categories, effective September 15. Tax payments, government e-marketplaces, and B2B transactions now have a Rs 5 lakh per-transaction limit.
When to submit a Large Cash Transaction Report. You must submit a Large Cash Transaction Report to FINTRAC when you receive $10,000 or more in cash in a single transaction from a person or entity.
How to transfer money online to friends and family
You can transfer large amounts of money, but transactions over $10,000, especially in cash or structured deposits, trigger mandatory reporting (like IRS Form 8300 or Bank Secrecy Act (BSA) reports), not necessarily taxes, to fight money laundering. Banks file reports for cash over $10k (CTR) or suspicious activity (SAR) if they see patterns to avoid reporting (structuring), which can flag accounts even for smaller amounts like $200 if part of a pattern.
As per regulatory guidelines, the maximum amount for one UPI transaction is ₹1 Lakh for P2P transfers and most merchant payments. However, for some P2M transactions like credit card payments, loan repayments, and transactions related to capital markets, the limit is ₹2 Lakhs.
The maximum limit per transaction is ₹5,00,000. The total limit for daily transfers is ₹25,00,000, allowing you to make multiple transactions throughout the day, as long as the total does not exceed this amount. You can verify your IMPS transaction limits by checking the SBI app or the official SBI website.
Transfers can be made in multiples of Rs 2 lakh, up to the chosen TPT limit, with a maximum of ₹50 lakh. Security Measures: For security reasons, transfers to newly added beneficiaries are restricted to ₹50,000 in total, whether in full or in parts, during the first 24 hours after the beneficiary is added.
Users reach a daily limit on Google Pay if: They try to send more than ₹1,00,000 in one day across all UPI apps. They try to send money more than 20 times in one day across all UPI apps. They request more than ₹2,000 from someone.
The standard daily UPI transaction limit is ₹1 lakh (one lakh), as set by the National Payments Corporation of India (NPCI). Therefore, a standard transfer of ₹2 lakh in a single day is generally not possible.
Pay Using Your Google Device
Use your Google Device at any contactless reader, in-app, or online. Add your personal1 RBC credit or debit cards to get started with Google Pay.