In 2026, the standard daily UPI transaction limit remains ₹1,00,000 for most users, while special categories like education, healthcare, and IPO applications are increased to ₹5,00,000 or more. Key changes for 2026 include a ₹5,000 daily limit for new user registrations in the first 24 hours, mandatory 2-factor authentication for high-value transactions, and a 4-hour cooling-off period for new, large transactions.
Starting in January 2026, 🏦all active bank accounts will need to update their KYC (Know Your Customer) information every year, or their accounts may be partially or fully frozen. 💰The UPI transaction limit will increase to ₹72 lakh for regular payments, with higher limits for special uses.
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.
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.
New Delhi, India- 17th June, 2023. India's digital payment backbone, Unified Payments Interface (UPI), posted a fresh record in July 2025 with 1,947 crore transactions amounting to a staggering 25.1 lakh crore rupees.
Frequently Asked Questions. 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.
UPI Transactions Hit All-Time High of ₹25.14 Lakh Crore in May 2025. UPI transactions touched a record 1,868 crore in May, reflecting strong adoption of digital payments. The transaction value also rose to ₹25.14 lakh crore.
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.
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.
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.
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).
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).
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.
The RBI has told banks and lenders to remove pre-payment charges on floating-rate loans. This change applies to individuals & MSEs (Micro & Small Enterprises). It will take effect for loans that are approved or renewed starting from January 1, 2026.
Most UPI limits reset at midnight each day, which is a 24-hour cycle. This allows you to transact up to your set limit again the next day. However, the precise reset time can vary depending on your specific bank or payment provider.
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.
You can do a maximum number of 20 transactions in 24 hours per account within the ₹1,00,000 limit for P2P transactions and there is no limit in terms of transactions in 24 hours per account within the ₹1,00,000 limit for P2M transaction.
The National Payments Corporation of India (NPCI) has increased UPI transaction limits for specific categories, effective September 15. Tax payments, government e-marketplaces, and B2B transactions now have a Rs 5 lakh per-transaction limit.
It uses USSD (Unstructured Supplementary Service Data) technology, which works on basic phones too. This service helps people across India do banking just by dialling *99# from their mobile.
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.
HDFC Bank, ICICI Bank, and Axis Bank generally provide the highest daily UPI limits, sometimes up to ₹2 lakh, depending on account type.
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.
As of 2025, India has over 65 million active merchants on UPI, making it the largest digital payments network in the world.
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.
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.