GPay shows a "UPI limit exceeded" error because you have likely surpassed the daily transaction caps set by NPCI or your bank, usually ₹1,00,000 per day or 10-20 transactions across all UPI apps. Limits typically reset after 24 hours from the first transaction.
Daily limits
You may reach a daily limit if: You try to send more than ₹1,00,000 in one day across all UPI apps. You try to send money more than 20 times per day and 150 per month for P2P transactions across all UPI apps. You request more than ₹2,000 from someone.
Contact your Bank, this shouldn't happen, SBI has limit of 1 Lac per day. If you have SBI app there should be a section for UPI Transfer, try increasing it from there.
For new users, an initial UPI transaction limit of ₹5,000 is applicable for the first 24 hours. Customers can increase their Google Pay UPI transaction limit based on their risk profile, as determined by their bank. To do so, they should contact their bank and request a limit expansion.
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 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.
Download and login: Launch your chosen UPI app (e.g., PhonePe, Paytm, Google Pay) and log in using your registered credentials. Locate help/settings: Navigate to the 'Help' section or settings menu within the app. Find 'Blocked UPI' option: Look for options related to 'Blocked UPI ID' or 'Reset UPI PIN.
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.
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.
Purchases with Google Pay balance
Maximum single transaction amount: $2,000 USD. Daily maximum total transaction amount: $2,500 USD. Up to 15 transactions per day.
To Prevent Fraud and Unauthorized Transfers
UPI transactions are instant and irreversible. This makes them convenient—but also risky if misused. To protect users, NPCI and banks set transaction limits so that: Hackers cannot wipe out an entire bank account in one go.
Most banks charge an excess withdrawal fee of $5-15 per transaction over the limit. If you repeatedly exceed the limit, your bank may convert your savings account to a checking account or close it entirely.
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 Google Pay limit for 24 hours is Rs. 1,00,000. Additionally, you can make a maximum of 20 transactions through GPay or other UPI apps within a time frame of 24 hours.
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.
If you go over the maximum number of attempts per day
If you make 3 incorrect attempts to reset your UPI PIN, you'll be blocked from your account for 24 hours on all UPI applications. You can reset your UPI PIN after 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.
Transaction History and Usage
Your transaction history plays a significant role in determining your UPI limit. If you frequently use UPI for transactions, your bank may view you as a lower risk and increase your limit over time. Conversely, if you rarely use UPI, your limit may remain low.
Generally, you can send up to ₹1,00,000 daily and per transaction. However, specific payments like those for capital markets, hospitals, or education may allow transfers up to ₹5,00,000. These limits protect your funds and comply with financial regulations.
Option 1: Contact your bank directly in order to request that they increase your transfer limit. They can usually do this for you at the counter or if you explain that you are making a remittance for international school tuition payment.
Yes, you can unblock the UPI ID by going to the 'Blocked UPI IDs' option in the BHIM UPI.
Open your banking or payment app and go to UPI settings. Look for "Change Limit" or "Adjust UPI Limit," enter the new amount, and confirm with your UPI PIN. Completing Full KYC in the app can also help remove temporary restrictions.
The message "Registration Limit Exceeded" typically indicates that a user has attempted to register or install software on more computers or devices than allowed by the license agreement.
How to Unblock UPI ID?
Your UPI limit typically resets at midnight each day, allowing you to make transactions up to your set limit again. However, the exact reset time may vary depending on your bank or payment provider, so it's a good idea to check their guidelines.