To solve a "UPI limit exceeded" error, wait 24 hours for the daily limit (typically ₹1,00,000 or 10-20 transactions) to reset. Immediate solutions include using a different bank account, trying a lower amount, or using NEFT/RTGS/IMPS for large transfers.
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 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.
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.
Download and login: Launch your chosen UPI app (e.g., PhonePe, Paytm, Google Pay) and log in using your registered credentials. Locate help/settings: Navigate to the 'Help' section or settings menu within the app. Find 'Blocked UPI' option: Look for options related to 'Blocked UPI ID' or 'Reset UPI PIN.
The UPI "limit exceeded" message appears when you have surpassed your daily transaction limits. This can be due to sending more than the maximum monetary amount allowed in one day (typically ₹1,00,000) or exceeding the maximum number of transactions (often 20) across all UPI applications.
Yes, you can unblock the UPI ID by going to the 'Blocked UPI IDs' option in the BHIM UPI.
How to Unblock UPI ID?
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.
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.
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.
This error means that the transaction will bring your bank balance below the limit set by your bank or you have exceeded your transaction limit for the day. What can you do about it? You need to reach out to your bank to find out what your minimum account balance can be or to increase your limit.
Bank's Mobile App: You can find your per-day limit under the UPI section in your bank's app. Customer Support: If you cannot find the information in the app, call your bank's customer support to ask about your per-day limit.
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.
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.
HDFC Bank, ICICI Bank, and Axis Bank generally provide the highest daily UPI limits, sometimes up to ₹2 lakh, depending on account type.
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.
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.
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.
UPI service is instant and available 24X7, including public/bank holidays. A User can also transfer funds in simple steps through the Virtual Payment Address of the beneficiary or QR code (Quick Response Code).
It uses USSD (Unstructured Supplementary Service Data) technology, which works on basic phones too. This service helps people across India do banking just by dialling *99# from their mobile.
If you still experience a stuck transaction, try these tips:
Open your banking or payment app and go to UPI settings. Look for "Change Limit" or "Adjust UPI Limit," enter the new amount, and confirm with your UPI PIN. Completing Full KYC in the app can also help remove temporary restrictions.
A temporary block, such as one caused by entering the wrong PIN, may resolve automatically within a few minutes to a few hours, or after a successful PIN reset. However, blocks related to suspicious activity or account issues might take longer, typically 24–48 hours to be lifted after contacting customer support.
If your UPI ID is blocked due to too many incorrect attempts, you can often unblock it by resetting your UPI PIN through your UPI application. This frequently resolves a temporary block automatically within a few hours.