For new BHIM UPI users, a ₹5,000 transaction limit is applied during the first 24 hours of registration. This is a security feature to prevent fraudulent activity immediately after setting up a new account. After this initial 24-hour period, the limit typically increases to the standard daily limit of ₹1 lakh (or ₹40,000, depending on the bank).
A user on BHIM can send money to a limit of Rs. 40,000 per transaction and Rs. 40,000 per day. If you're a new user, you are allowed transactions of up to Rs. 5000 for the first 24 hours. You will be able to utilise your daily limit of Rs 40,000 24 hours after you've registered.
The daily transaction limit for BHIM UPI is typically ₹40,000 per bank account, with a limit of ₹40,000 per transaction.
How to Change UPI Transaction Limit in SBI?
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.
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.
BHIM UPI Transactions Limit
The BHIM UPI transaction limit for new users is ₹5,000 for the first 24 hours. The bank can increase the BHIM UPI transaction limit, subject to the customer's risk profile. To increase the BHIM UPI transaction limit, the customer can contact their bank and request an increase.
Whereas UPI works across a range of payment apps wit unique interfaces. Supported transactions: Both UPI and BHIM offer seamless transactions, but BHIM is primarily focused on person-to-person transactions, whereas UPI caters across a wide range of payments including merchant transactions and bill payments.
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.
Per-Transaction Limit on Google Pay Example
If you're a new Google Pay user and need to transfer ₹6,000 in a single transaction, you may encounter a cap, as your initial per-transaction limit is ₹5,000 for the first 24 hours.
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.
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.
Your UPI limit might be ₹5,000 for the first 24 hours if you recently reinstalled the app and added your bank account. This is a temporary rule set by the UPI system to keep your money safe.
Yes, registration and usage of the BHIM (Bharat Interface for Money) app are free. According to the terms and conditions from the official source, there is no fee for using the app for transactions. While the NPCI reserves the right to introduce fees later, any changes would be posted on the app.
Visit your bank branch. Request the staff to increase your UPI daily transaction limit.
Disadvantages include a daily transaction limit of ₹1,00,000 (though some banks may impose lower limits) and fewer features compared to private UPI applications that offer rewards or cashback.
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.
In contrast, BHIM is an app that provides its services over the UPI platform, alongside other apps using UPI for transactions. Ecosystem of Applications : UPI supports a range of applications, such as Google Pay, PhonePe, and Paytm, which offer additional features like bill payments and mobile recharges.
BHIM UPI App Transaction Limit and Charges
BHIM UPI app allows a daily transaction limit of up to Rs. 1 lakh and a maximum of 10 transactions where the total transaction value is less than Rs. 1 lakh. When it comes to UPI transaction charges, person-to-person (P2P) transactions are free of charge.
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.
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 general daily UPI transaction value limit is ₹1,00,000.
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.
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.