As of September 15, 2025, the NPCI has increased UPI limits for specific high-value, verified merchant transactions to ₹10 lakh per day (such as for education, hospitals, IPOs, and insurance). The standard daily limit for personal (P2P) transfers and general merchants remains at ₹1 lakh per day, with a maximum of 20 transactions daily.
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.
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.
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 Rules from 2026: New Limits, GST QR Thresholds & Key Compliance Points
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.
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.
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.
RTGS transactions / transfers have no amount cap set by RBI. The system is available on all days on 24x7x365 basis. There is real time transfer of funds to the beneficiary account. The remitter need not use a physical cheque or a demand draft.
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 to Limit Daily Balance Checks and Account Views
Starting next month, UPI app users can check their account balance only 50 times a day, and view linked bank accounts just 25 times a day. These daily caps are being introduced by NPCI to cut down on system traffic and prevent slowdowns or outages during peak usage.
The Banking Laws (Amendment) Act, 2025 is a step towards strengthening governance standards in the banking sector by ensuring uniformity in reporting by banks to the Reserve Bank of India along with improved audit quality in public sector banks (PSBs).
Driven by festive spending and growing digital adoption, Unified Payments Interface (UPI) transactions hit an all-time high of 20.7 billion in October 2025, up from 19.63 billion in September, with total transaction value surging to Rs 27.28 trillion, latest NPCI data showed.
What is the new UPI transaction limit for select merchant categories? The per-transaction limit is up to ₹5 lakh, with daily aggregate limits up to ₹10 lakh for most categories.
Top Best UPI Apps in India for 2025 – Detailed Comparison
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).
1) Payment Gateway transaction limit is up to 10 lakh per day / per transaction. 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.
UPI Transaction Limits (NPCI/RBI Guidelines)
Per transaction cap: ₹1 lakh (standard); ₹2 lakh for some sectors; ₹5 lakh for IPOs/Retail Direct. Daily limit: ₹1 lakh per day. UPI 123PAY: ₹5,000 per txn/day (P2P); ₹1 lakh daily for merchant. UPI Lite: ₹1,000/txn; ₹10,000/day; ₹5,000 wallet limit.
Yes, it is possible to transfer ₹20 Lakhs through NEFT, depending on your bank's daily limit. Increasing the NEFT limit in HDFC is a hassle-free process. To modify your third-party transfer (TPT) limit in HDFC Bank, log in to the official HDFC Bank portal using your ID and password.
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.
As per regulatory guidelines, the maximum amount for one UPI transaction is ₹1 Lakh for P2P transfers and most merchant payments. However, for some P2M transactions like credit card payments, loan repayments, and transactions related to capital markets, the limit is ₹2 Lakhs.
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.
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.
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.
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.