The standard daily transaction limit for BHIM UPI is generally ₹1 lakh ( 100 , 000 1 0 0 , 0 0 0 ) per day, per bank account, with a maximum of 10 transactions. New users are restricted to a lower limit of ₹5,000 for the first 24 hours. Specialized transactions like IPOs or verified merchant payments may have higher limits.
BHIM UPI Transactions Limit
The daily transaction limit for BHIM UPI is ₹1 lakh (Rs 100,000) for all banks. The BHIM UPI transaction limit for new users is ₹5,000 for the first 24 hours.
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.
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.
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.
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.
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 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.
2) Own account fund transfer — No limit (up to the available balance in debit account). 3) IMPS to registered beneficiary - up to Rs 5 Lakh per day/per transaction. 4) NEFT to registered beneficiary per day - up to Rs. 10 lakh./per transaction - up to Rs 5 lakh.
Yes, BHIM UPI is safe. It uses special security features like checking your device and requiring a secret PIN for every payment. Your secret PIN is kept safe and encrypted so only you can use it.
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.
Visit your bank branch. Request the staff to increase your UPI daily transaction limit.
Yes, NRIs can use their international mobile numbers for BHIM UPI app registration. This service is available for INR transactions in India for NRIs from approved geographies, including Australia, Canada, Hong Kong, Oman, Qatar, Saudi Arabia, Singapore, UAE, UK, and USA.
How to Change UPI Transaction Limit in SBI?
UPI vs BHIM
Unified Payments Interface (UPI) is a real-time payment system through which money can be transferred from one bank to another. Whereas BHIM (Bharat Interface for Money) is the mobile application through which the money transfer takes place.
UPI transaction limit per day is set at Rs 1 lakh, according to the NPCI, the RBI-regulated entity that built UPI. However, the maximum limit can change from bank to bank. UPI transfer limits vary between banks.
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.
NEFT has no upper limit for transactions, but processing can take up to one business day. RTGS requires a minimum transaction amount of ₹2 lakh and processes transactions instantly. NEFT transactions are often free or have minimal fees, especially for online transactions.
The daily UPI transaction limit cannot be manually increased; it is fixed. However, for specific purposes like educational fees or medical bills, the limit is higher, set at ₹5 lakh. Related Read: What is the SBI UPI Transaction Limit Per Day?
Pay online in other countries
You can turn on UPI International by: Using the “Activate UPI International” section. Scanning the international QR code.
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).
To enhance security, a cooling period is implemented in certain scenarios: 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.
You can transfer large amounts of money, but transactions over $10,000, especially in cash or structured deposits, trigger mandatory reporting (like IRS Form 8300 or Bank Secrecy Act (BSA) reports), not necessarily taxes, to fight money laundering. Banks file reports for cash over $10k (CTR) or suspicious activity (SAR) if they see patterns to avoid reporting (structuring), which can flag accounts even for smaller amounts like $200 if part of a pattern.
Your ATM withdrawal limit per day depends on your bank, account type, and debit card. While most banks offer limits between Rs. 20,000-Rs. 50,000, premium cards from SBI, HDFC, ICICI, Axis, Kotak, and IDFC can allow withdrawals up to Rs. 10,00,000 daily.