UPI transactions up to ₹1 lakh are generally free for individuals when transferring directly between bank accounts. No charges apply to the user for these standard peer-to-peer or peer-to-merchant payments. However, a 1.1% fee may apply to merchants, not customers, for wallet-based payments exceeding ₹2,000.
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.
When you make a payment using a digital wallet that is linked to UPI, the service provider might charge an interchange fee. This fee typically ranges between 0.5% to 1.1% of the transaction amount, depending on the type of transaction and the service provider.
The maximum daily transfer limit across all standard UPI transactions is ₹1 lakh, as set by NPCI regulations. This limit applies to person-to-person transfers and most other payment types. Some specific transactions, like certain capital markets or insurance payments, may have higher limits up to ₹2 lakh.
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.
Yes, you can use Google Pay from the USA to send money to India by integrating with services like Wise or Western Union within the US Google Pay app, but you need an Indian recipient with a UPI ID or bank account and an Indian phone number to receive it. The US Google Pay app was discontinued in June 2024, so you'll use the Google Wallet app (which is the new name for GPay in the US) to initiate international transfers powered by partners like Wise to send money to India.
The HDFC UPI transaction limit is Rs. 1,00,000 per day or 20 transactions within 24 hours for both individual-to-individual and individual-to-merchant transfers. For new UPI users, the initial limit is Rs. 5,000 for the first 24 hours on Android devices and 72 hours on iPhones post-registration.
You can typically transfer more than ₹1 lakh online using banking services such as NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), or IMPS (Immediate Payment Service).
50,000: UPI transactions upto Rs. 50,000 are exempt from tax. Any amount exceeding this limit, received through UPI apps or digital wallets, is treated as a gift and taxed as per the provisions applicable to income from other sources.
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.
UPI transactions are typically free for peer-to-peer (P2P) transfers and direct peer-to-merchant (P2M) payments from a bank account, as per NPCI guidelines. To avoid charges, ensure your transactions are bank-to-bank transfers. Interchange fees of up to 1.1% apply only to payments exceeding Rs.
UPI Transaction Charges in 2026 for Individuals
As per NPCI, there are no transaction charges for personal UPI payments, regardless of the amount. Whether you're paying for groceries, sending money to friends, or making any other personal transactions, UPI remains completely free for individuals.
What is ATM card AMC and why SBI charged me ₹236? ATM card AMC is a yearly maintenance fee for your debit card. The ₹236 charge could include the AMC itself, GST or additional SBI ATM charges if you've exceeded transaction limits.
What is the new rule charge for UPI? The new rule applies to wallet-based UPI merchant payments above ₹2,000. A 1.1% fee is charged to the merchant, not the user.
The maximum SBI UPI transaction limit is Rs. 1,00,000. You can personalise this SBI UPI limit to suit your financial planning through the SBI YONO application.
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.
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.
You do not need to file a gift tax return or pay gift taxes if your gift is under the annual gift tax exclusion amount per person ($19,000 in 2025). If you do exceed that amount, you don't necessarily need to pay the gift tax.
Launched by NPCI, this feature lets users pay directly from their Indian bank account while abroad—securely, instantly, and in local currency. Unified Payments Interface (UPI) has now gone global! With UPI Global Acceptance, you can pay at select international stores using your UPI app and Indian bank account.
Maximum daily transfer: ₹1 lakh across all UPI transactions. Limit applies to both Person-to-Person (P2P) and Person-to-Merchant (P2M) payments. You can split this amount across up to 20 individual transactions per day.
The overall daily limit for IMPS transfers is Rs. 5,00,000. Additionally, for a newly activated beneficiary, a total of Rs. 5,00,000 can be transferred during the first four days.
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.
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.
NRIs can use UPI by linking their NRI bank account to a UPI-enabled app. They can send money to Indian accounts using the recipient's UPI ID or account number. However, NRIs cannot receive funds through UPI; they must use other methods like SWIFT transfers to receive money into their NRI accounts.