To know your daily UPI limit, check the "Transaction Limit" or "Profile" section within your UPI app (e.g., Paytm, PhonePe, Google Pay) or your bank's mobile app. Generally, the NPCI sets a maximum limit of ₹1 lakh per day, although some transactions can go up to ₹2 lakh, and there is often a cap of 20 transactions per 24-hour period.
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.
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.
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.
UPI Transaction Limits (NPCI/RBI Guidelines)
Per transaction cap: ₹1 lakh (standard); ₹2 lakh for some sectors; ₹5 lakh for IPOs/Retail Direct. Daily limit: ₹1 lakh per day. UPI 123PAY: ₹5,000 per txn/day (P2P); ₹1 lakh daily for merchant. UPI Lite: ₹1,000/txn; ₹10,000/day; ₹5,000 wallet limit.
1. Google Pay UPI Transactions Limit. 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.
Visit your bank branch. Request the staff to increase your UPI daily transaction 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.
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.
SBI UPI Transaction Limit Per Day
1,00,000. Additionally, SBI permits up to 10 UPI transactions per day. While you can customize the number of transactions within this daily limit using the SBI Yono app, the maximum allowable transaction amount of Rs. 1,00,000 remains fixed and cannot be adjusted.
Understanding UPI Limits
This limit can vary depending on several factors, including the policies set by the National Payments Corporation of India (NPCI) and your bank. Generally, the daily limit is set to ensure security and to prevent fraud, while still allowing you to carry out your daily transactions.
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.
How NRIs can set up UPI payments
The general daily UPI transaction value limit is ₹1,00,000.
Checking Within Your Payment Application
Most UPI-enabled payment applications make it quite simple to check your daily limits. You can usually find this information in the 'Profile', 'Settings', or 'Transaction Limits' section of the app.
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.
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. This standard daily maximum is consistently applied across several leading payment services.
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 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?
The Google Pay limit for 24 hours is Rs. 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.
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.
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.
Generally, for most regular transactions, you can send up to ₹1,00,000 (One Lakh Rupees) in total over a single day using UPI. This means if you send ₹10,000 to one person, and then ₹50,000 to another, you would still have ₹40,000 left to send for the rest of that day.
Upon activating a new SBI Bank UPI ID, the maximum transaction limit is capped at ₹5,000 for the first 24 hours. New users do not have to do anything in order to increase this limit. The UPI transaction limit resets to the default ₹1 Lakh threshold after the 24-hour period completes.