To check your daily UPI transaction limit, open your UPI-enabled payment app (like Paytm, PhonePe, or Google Pay) and navigate to the Profile or Settings section. Look for options labeled "UPI Transaction Limit," "Bank Account," or "Payment Methods" to view your daily, per-transaction, and remaining transfer limits.
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.
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. Users must adhere to the daily transaction limit guidelines.
Users can only make a maximum of 20 UPI transactions per day. The GPay transaction limit is ₹1 lakh per day for general transactions. For credit card payments, loan repayments, and capital market transactions, the limit is ₹2 lakh.
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.
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.
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.
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.
Visit your bank branch. Request the staff to increase your UPI daily transaction limit.
How NRIs can set up UPI payments
HDFC Bank, ICICI Bank, and Axis Bank often offer the highest daily UPI limits, sometimes up to ₹2 lakh, depending on account type and app used.
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).
Yes, NEFT transfer is free in SBI when it is done through online channels, such as SBI Netbanking and mobile banking app. You can transfer Rs. 10 lakh in one day in SBI through NEFT or RTGS as there is no maximum limit for NEFT or RTGS transactions. There is no maximum limit for NEFT and RTGS transfers in SBI.
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 daily UPI transaction limit cannot be manually increased; it is fixed. However, for specific purposes like educational fees or medical bills, the limit is higher, set at ₹5 lakh. Related Read: What is the SBI UPI Transaction Limit Per Day?
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.
UPI Daily Limit: This is the maximum amount of money you can transfer through UPI in a single day (24 hours). For example, most banks allow up to ₹1 lakh per day. UPI Monthly Limit: This refers to the total amount you can transfer through UPI in an entire month.
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.
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.
Here's how to adjust your SBI UPI limit using the SBI YONO app:
From August 31, 2025, users can make UPI payments and withdrawals using pre-approved credit lines (such as from banks or NBFCs), with limits set at: ₹1,00,000 per day for payments. ₹10,000 per day for cash withdrawals. 20 P2P(peer-to-peer) transfers per 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.
Pay online in other countries
You can turn on UPI International by: Using the “Activate UPI International” section. Scanning the international QR code.
Based on transaction volume data, some of the top banks for UPI remittances include the State Bank of India (SBI), HDFC Bank, Bank of Baroda, Union Bank of India, and Punjab National Bank. Many banks, including HDFC and SBI, offer high UPI transaction limits, typically up to ₹100,000 INR per transaction.
Purchases with Google Pay balance
Maximum single transaction amount: $2,000 USD. Daily maximum total transaction amount: $2,500 USD. Up to 15 transactions per day.