To increase your UPI limit from ₹5,000, you must contact your bank as they set the limits, often by visiting a branch or using their mobile/net banking for options like "Manage UPI Limit," completing full KYC in your UPI app (like Paytm), linking another bank account, or waiting 24 hours for initial user limits to reset; banks usually allow up to ₹1 Lakh daily, but specific high-value payments (like IPOs) can have different rules.
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.
First transaction after setting/resetting UPI PIN maximum amount will be ₹5,000 and cumulative amount in a day will be ₹5,000 for the first 24 hours for Android users and ₹5,000 per day for first 5 days for iOS users.
Transaction Limit: The transaction limit for users is ₹1 lakh per day, with a maximum of 20 transactions allowed. For newly registered BHIM UPI users, an initial UPI transaction limit of ₹5,000 is applicable for the first 24 hours.
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.
Per-Transaction Limit for New User on Google Pay
As a new user, you want to transfer ₹5,500 in one go, but the cap is ₹5,000 for the first 24 hours. After 24 hours, the limit increases to ₹1 lakh. Initially, the GPay transfer limit per transaction is ₹5,000 for new users. It increases to ₹1 lakh after 24 hours.
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.
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.
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.
Within the UPI Lite system, you have the flexibility to spend a maximum of ₹10,000 per day on instant transactions, with an upper limit of ₹1,000 per transaction. Moreover, you can maintain a maximum balance of ₹5,000 in your UPI Lite wallet at a given time.
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.
BHIM UPI clearly has a winning edge over other UPI apps like Google Pay, as it is backed by the Government and has easily won the trust of many in no time. Not just money transfer, BHIM UPIs can also be used to pay electricity bills, credit card bills, and other bills in no time.
Here are the brief steps for increasing the Google Pay transaction limit:
Limits, set by your bank, protect against fraud. 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.
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.
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.
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.
Some banks allow UPI transactions up to ₹5 lakh. To activate this, you need to contact your bank and request a higher category-specific limit.
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.
Pay online in other countries
You can turn on UPI International by: Using the “Activate UPI International” section. Scanning the international QR code.
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.
Well, that depends on different scenarios. At times when you don't have cash while you travel or do grocery shopping, payment via UPI by scanning the code can be very useful. Credit Cards can be extremely useful when you want to meet any emergency or buy anything expensive.
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.
Daily limits
You may reach a daily limit if: You try to send more than ₹1,00,000 in one day across all UPI apps. You try to send money more than 20 times per day and 150 per month for P2P transactions across all UPI apps.