Yes, the NPCI has increased the UPI daily limit to ₹10 lakh for specific high-value Person-to-Merchant (P2M) transactions, effective from September 15, 2025. This includes categories like capital markets (investments), insurance, and Government e-Marketplace (GeM). However, standard Person-to-Person (P2P) transfers remain capped at ₹1 lakh per day.
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.
However, the limit for Person-to-Person (P2P) transfers remains unchanged at 1 lakh rupees per day. For investments in capital markets and insurance, the per-transaction limit has been increased from 2 lakh rupees to 5 lakh rupees, with a maximum of 10 lakh rupees per day.
The National Payments Corporation of India (NPCI) has raised the UPI limit for Person-to-Merchant (P2M) transactions to ₹10 lakh per day for select verified categories, effective from September 15. Shivan Chanana reports.
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.
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.
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.
What are the fund transfer limits? On iMobile, the daily fund transfer limit is ₹20 lakh. For Net Banking (RIB), the default limit is ₹10 lakh.
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).
New Rules For UPI Payments: Key Takeaways
Starting in April 2026, UPI transactions will need to implement two-factor authentication that includes a minimum of one dynamic security measure. Daily UPI limits generally remain ₹1 lakh, with higher limits available only for select categories.
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.
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.
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.
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. Limit applies to both Person-to-Person (P2P) and Person-to-Merchant (P2M) payments.
Yes, you can generally transfer 2 lakhs (Rs. 2,00,000) in one day in SBI. For Third Party Transfer within SBI, Interbank Transfer (NEFT or RTGS), the per-day limit is Rs.
Generally, you can transfer up to ₹1,00,000 (one lakh rupees) each day using Paytm. For specific payments, like fees for schools or hospitals, the limit might be higher.
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.
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.
The Google Pay (GPay) transaction limit per day in India is ₹1 lakh (₹1,00,000) across major banks, allowing users to send or receive up to this amount within 24 hours. This limit can be divided across a maximum of 20 transactions per day on Google Pay and other UPI apps.
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.
Is It Possible to Manually Adjust Your ICICI UPI Limit? No, it is not possible to manually adjust your ICICI Bank UPI limit. It is fixed at a maximum cumulative value of ₹1 Lakh or 10 transactions within 24 hours.
You can send up to $50,000 directly to an Indian bank account from your US account. You can make a money transfer to India banks including State Bank of India, HDFC and ICICI.
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.
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.
You can do a maximum number of 20 transactions in 24 hours per account within the ₹1,00,000 limit for P2P transactions and there is no limit in terms of transactions in 24 hours per account within the ₹1,00,000 limit for P2M transaction.