Yes, PhonePe has daily and per-transaction UPI limits. Generally, users can transfer up to ₹1 lakh per day and are limited to a maximum of 20 transactions within 24 hours. Specific banks may have lower, stricter limits, and new users are restricted to ₹5,000 for the first 24 hours.
The PhonePe transaction limit per day is ₹1,00,000 for every UPI user. This limit applies to a 24-hour timeline and allows a maximum of 20 transactions. If you reach the limit, you must wait 24 hours from the last transaction to make a new transfer.
The per-transaction limit defines the maximum amount that can be transferred in a single UPI transaction. Most banks and UPI apps, like Google Pay or PhonePe, set a limit between ₹40,000 and ₹1,00,000 per transaction.
PhonePe users can send up to ₹1 lakh (₹100,000) per day through UPI.
PhonePe lets you link international numbers from many countries, like the United States, United Arab Emirates, United Kingdom, Saudi Arabia, Canada, Qatar, Singapore, Australia, Oman, Hong Kong, France, and India (for returning NRIs).
UPI international transaction limit
For foreign remittances, the official limit on UPI transfers is up to INR 2,00,000 in one transfer. Note that the actual limit may be less depend on the app you use to make the transfers.
Daily Limit on PhonePe Transactions
1: For every user, the daily limit for PhonePe UPI transactions is ₹1 lakh (₹100,000). 2: You can only send money on Phonepe a maximum of 20 times in a 24-hour period. With 20 transactions per day, you may transfer up to ₹1 lakh in a single day.
PhonePe Security - Every Payment is Protected on PhonePe. That's why we have an advanced security infrastructure to keep your transactions safe. We do what it takes to earn the trust that you and 65+ crore* Indians have placed in us.
How to Increase PhonePe Limit?
Select categories such as insurance, investments, education, travel, and government payments now allow up to Rs. 5 lakh per transaction (effective 15 September 2026). Each bank can define its own UPI transaction limit per day, usually between Rs. 25,000 and Rs. 1 lakh.
Minimum & maximum amount & number of transactions you can transfer. Based on UPI's guidelines, the maximum transaction amount is ₹100,000 INR or one lakh a day. It varies from bank to bank, and you can make up to 20 transactions per day.
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.
UPI Transaction Limits: Complete Overview
The UPI daily limit is set at ₹1,00,000 per day for standard transactions, as established by NPCI regulations. This means: Maximum daily transfer: ₹1 lakh across all UPI transactions.
Per Day Limit: ₹1,00,000 (₹1 lakh) per user per day across all UPI transactions on PhonePe. Number of Transactions: Maximum of 20 transactions per day. Money Request Limit: You can request up to ₹2,000 per day through the PhonePe app.
The PhonePe UPI transaction limit is set by the National Payments Corporation of India (NPCI). The bank can increase the PhonePe UPI transaction limit, subject to the customer's risk profile. To increase the PhonePe UPI transaction limit, the customer can contact their bank and request an increase.
Can PhonePe be used internationally? Yes! When activated for international use, you can use PhonePe to make QR code payments from your Indian bank account to select merchants abroad. Here's a guide to using PhonePe to make international payments when traveling abroad.
Are transactions safe? Yes, all apps are regulated by NPCI and follow UPI security protocols Upi Security Tips.
Cons
To transfer ₹2 lakh immediately, you can use IMPS (Immediate Payment Service) or RTGS (Real Time Gross Settlement). IMPS allows instant fund transfer 24/7, and the per-transaction limit has been increased to ₹5 lakh.
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.
1,00,000. Additionally, you can make a maximum of 20 transactions through GPay or other UPI apps within a time frame of 24 hours. No, you cannot send Rs. 2 lakh through Google Pay at a time.
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.
Zelle® does not report transactions made on the Zelle Network® to the IRS, including payments made for the sale of goods and services. The law requiring certain payment networks to provide forms 1099K for information reporting on the sale of goods and services does not apply to the Zelle Network®.
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