To change your UPI daily limit, open your banking or UPI app (like Paytm, GPay, or PhonePe), navigate to the UPI settings/linked bank accounts section, and select "Change Limit" or "Set Transaction Limit". The maximum daily limit is typically ₹1 lakh, but individual banks may set lower, adjustable thresholds.
Note: The transaction limits for UPI are set and standardised by the National Payments Corporation of India (NPCI) that governing body for UPI. Since these limits are set by the government, users cannot increase or make changes to the UPI limit.
UPI transaction limits are set by the National Payments Corporation of India (NPCI) and cannot be removed entirely. The standard daily limit for most UPI transactions is ₹1,00,000.
To check this limit: Through UPI Apps: Look for the "Bank Account" or "Payment Methods" section in your UPI app (Google Pay, PhonePe, etc.) and look for per-day limit details. Bank's Mobile App: You can find your per-day limit under the UPI section in your bank's app.
If you have exceeded the UPI limit, it means you have likely hit the daily maximum of ₹1,00,000 or the maximum number of transactions (usually 10 to 20, depending on the bank). The most straightforward solution is to wait for the limit to reset, which typically happens after 24 hours.
To change yours, open your banking application, navigate to UPI settings, and select 'Change Limit'. Enter your desired amount and confirm with your UPI PIN. Remember, limits vary by bank and payment type, typically resetting daily at midnight. Always use secure connections when making changes to protect your account.
Most UPI limits reset at midnight each day, which is a 24-hour cycle. This allows you to transact up to your set limit again the next day. However, the precise reset time can vary depending on your specific bank or payment provider.
The UPI transaction limit is ₹1 lakh per day as per NPCI. For capital markets, insurance, collections, and foreign inward remittances, the limit is ₹2 lakh. Tax payments, educational institutions, hospitals, IPOs, and RBI retail direct schemes, the limit is ₹5 lakh.
Visit your bank branch. Request the staff to increase your UPI daily transaction limit.
Transaction History and Usage
Your transaction history plays a significant role in determining your UPI limit. If you frequently use UPI for transactions, your bank may view you as a lower risk and increase your limit over time. Conversely, if you rarely use UPI, your limit may remain low.
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.
To Prevent Fraud and Unauthorized Transfers
UPI transactions are instant and irreversible. This makes them convenient—but also risky if misused. To protect users, NPCI and banks set transaction limits so that: Hackers cannot wipe out an entire bank account in one go.
There are daily limits to how much money you can send or receive through UPI transactions using Google Pay. Limits can differ for Google Pay, UPI, your bank, and Google.
This limit is generally ₹1,00,000 (One lakh Indian Rupees) across many platforms. For instance, the Paytm UPI app maintains this daily transaction limit of ₹1,00,000 for users, ensuring high-value transfers are supported according to regulatory guidelines.
HDFC Bank, ICICI Bank, and Axis Bank generally provide the highest daily UPI limits, sometimes up to ₹2 lakh, depending on account type.
Here's how to increase your limit:
NEFT Transfer Limit Set By Top Indian Banks
Below are the limits set by some of the major banks in India: ICICI Bank allows NEFT transfers of up to ₹10 lakh per day, with an extended limit of ₹20 lakh for transactions via iMobile Pay. IDFC First Bank has a daily NEFT transfer cap of ₹20 lakh.
5,000/- for the first 24 hours. After 24 hours per transaction and per day limit is Rs. 1, 00,000/- in BHIM IOB UPI, at present with single transaction threshold limit of Rs. 50,000/-.
For all banks, the daily UPI transaction limit is ₹1 lakh (Rs 100,000), while new users begin with a limit of ₹5,000 for the first 24 hours. Banks can raise the UPI transaction limit based on the customer's risk profile. To initiate an increase, the customer can reach out to their bank and submit a request.
New users have a lower limit of up to ₹5,000 for the first 24 hours before the daily limit applies. To potentially increase the transaction limit beyond the standard amount, the bank must approve it, which is subject to the customer's risk profile.
Step 1: Open the online banking application of State Bank of India and log in with your credentials. Step 2: Locate the option 'UPI Transfer' from the top menu and tap on it. Step 3: A new page will open here. Select the option 'Set UPI Transaction Limit'.
Unified Payments Interface (UPI) users can now make Person-to-Merchant (P2M) transactions of upto 10 lakh rupees within 24 hours, with verified merchant for specified categories effective from today.
The general daily UPI transaction value limit is ₹1,00,000. However, for a first transaction after setting or resetting a UPI PIN, the maximum amount is ₹5,000, and the cumulative amount in a day is ₹5,000 for the first 24 hours for Android users.
RTGS transactions / transfers have no amount cap set by RBI. The system is available on all days on 24x7x365 basis. There is real time transfer of funds to the beneficiary account. The remitter need not use a physical cheque or a demand draft.
This limit is typically ₹1,00,000 per day across all UPI apps, or you may have exceeded the allowed number of transactions, often 10 to 20 per day. You can retry the transaction after 24 hours when the limit resets.