Yes, the National Payments Corporation of India (NPCI) has increased the UPI limit to ₹5 lakh per transaction for specific categories, effective from September 15, 2025. This enhanced limit applies to verified merchant (P2M) payments, such as insurance, capital markets, education, and government services, with a daily aggregate limit of up to ₹10 lakh.
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.
NPCI Raises UPI Transaction Limits to ₹5–₹10 Lakh for Select Categories (Effective 15 Sep 2025)
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. Once approved, you can make high-value transfers through your UPI app, including Paytm.
UPI Rules from 2026: New Limits, GST QR Thresholds & Key Compliance Points
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 NPCI has introduced updated UPI rules effective from 1 August 2026, across all UPI-enabled apps like Google Pay, PhonePe, Paytm, and BHIM. These changes aim to improve system efficiency and payment security: Balance Check Limit: You can check your bank balance for a maximum of 50 times per day per on your UPI app.
Yes, you can transfer ₹5 lakh per day using IMPS (Immediate Payment Service). According to the Reserve Bank of India (RBI) guidelines, the maximum daily transfer limit for IMPS transactions is ₹5 lakh.
To increase the GPay UPI limit, you can approach the bank and request them to increase the limit.
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 set the standard maximum daily UPI transaction limit for most banks at ₹1,00,000. Many major banks, including State Bank of India, HDFC Bank, ICICI Bank, and Axis Bank, implement this limit.
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.
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.
UPI Rules Are Changing from August 1
New usage limits will be introduced for UPI apps to improve system performance and reduce failed transactions, especially during high-traffic periods. Key Changes: Balance checks limited to 50 times/day. Account view limited to 25 times/day.
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.
SBI UPI Transaction Limit Per Day
1,00,000. Additionally, SBI permits up to 10 UPI transactions per day. While you can customize the number of transactions within this daily limit using the SBI Yono app, the maximum allowable transaction amount of Rs. 1,00,000 remains fixed and cannot be adjusted.
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.
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.
Applications are commonly restricted to one every six months; however, the frequency and other parameters will vary by lender. If approved for a credit limit increase, it may take several weeks for the new amount to appear on your credit reports.
Each depositor in a bank is insured upto a maximum of ₹ 5,00,000 (Rupees Five Lakhs) for both principal and interest amount held by him in the same right and same capacity as on the date of liquidation/cancellation of bank's license or the date on which the scheme of amalgamation/merger/reconstruction comes into force/ ...
The Reserve Bank of India (RBI) governs such transactions through the FEMA (Foreign Exchange Management Act). NRIs can repatriate up to $1 million per financial year from India, including proceeds from the sale of property.
Transfers can be made in multiples of Rs 2 lakh, up to the chosen TPT limit, with a maximum of ₹50 lakh. Security Measures: For security reasons, transfers to newly added beneficiaries are restricted to ₹50,000 in total, whether in full or in parts, during the first 24 hours after the beneficiary is added.
3: BHIM UPI has the added advantage of being backed by the government, so it is regarded as safer and secure compared to Google Pay. Though Google Pay has enhanced security features like biometric authentication as well as PIN or pattern, extensive data syncing makes it less secure.
The USA has not adopted UPI due to several existing challenges in its payment systems. These include limited bank interoperability, where current payment apps are often restricted to certain banks.
How can I send money to UPI in India?