To increase your daily PhonePe limit, complete full KYC verification in the app, which raises limits to ₹1 lakh+ per day, and contact your bank to increase the UPI transaction limit, which is capped at ₹1 lakh per day by NPCI. For higher limits, you can use credit cards (up to ₹2 lakh/day) or specific merchant payments (up to ₹5 lakh/day).
How to Increase PhonePe Transaction Limit?
How to Increase PhonePe Limit?
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.
KYC verification: Ensure your KYC (Know Your Customer) is complete. A full KYC verification typically allows for higher UPI limits. Contact customer support: Bajaj Finserv offers customer support via phone and chat. Reach out to them and request an increase in your UPI limit.
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.
Daily Transaction Limits
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.
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).
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.
The standard maximum UPI limit set by ICICI Bank is ₹1 Lakh per transaction and cumulatively within a 24-hour period. For new UPI ID registrations, the limit is capped at ₹5,000 for the first 24 hours. After this initial period, the daily limit is reset to ₹1,00,000.
How NRIs can set up UPI payments
Users cannot typically increase or change the standardized UPI limit. However, the limit for specific transactions like Capital Markets, Insurance Premiums, Government Collections, and Foreign Inward Remittances is ₹2 lakh per transaction, adhering to official NPCI/RBI guidelines.
The Reserve Bank of India (RBI) has imposed a monetary penalty of Rs 21 lakh on Walmart-owned digital payments firm. The penalty, announced through an order dated September 10, follows a statutory inspection of PhonePe's operations for the period between October 2023 and December 2024.
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.
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.
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.
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.
What is the PhonePe Transaction Limit Per Day (as of 2025)?
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.
Check if the Phone is Locked: If bought from India, your phone might be carrier-locked. Try a non-Indian SIM; if it doesn't work, contact your Indian carrier for an unlock code. 3. Set Correct Network Mode: Go to Settings > Mobile Network > Preferred Network Type and select 4G/3G/2G Auto.
Unified Payment Interface (UPI) is currently accepted in eight countries— Bhutan, Singapore, Qatar, Mauritius, Nepal, UAE, Sri Lanka and France. Acceptability of India's digital payment network overseas enables Indian tourists to make UPI payments for transactions abroad.
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.
Complete the KYC Process
By completing the minimum KYC and full KYC, you can increase the PhonePe daily limit to ₹10,000 and ₹4,00,000 per day, respectively.
Frequently Asked Questions. 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.