Understanding UPI Transaction Limits in 2025

The standard UPI transaction limit is Rs.1 Lakh. However, banks can set their limits which can vary from Rs.5,000 to Rs.1 Lakh. 

In this article, we will look at the limits of UPI transactions, daily and monthly caps, bank-specific restrictions, and other platform-specific guidelines.

General UPI Transaction Limits

As per NPCI, the UPI transaction limit per day is Rs.1 Lakh across all apps. But for a few specific categories like capital markets, collections, insurance, and foreign inward remittances the transaction limit is up to Rs.2 lakh. 

Now you can make UPI transactions of up to Rs.5 Lakh for the following categories:

  • Tax payments

  • Hospital and educational institutions

  • IPOs and RBI retail direct schemes.

Bank-Specific UPI Transaction Limits

Banks have the discretion to set their limits on UPI transactions and daily limits. The table below illustrates the limits set by banks for UPI transactions.

Bank name Bank type UPI transaction limit UPI daily limit

Aditya Birla Idea Payments Bank

Payments Bank

Rs.100,000 

Rs.100,000 

Airtel Payments Bank

Payments Bank

Rs.100,000 

Rs.100,000 

Allahabad Bank

Public Sector Bank

Rs.25,000 

Rs.100,000 

Andhra Bank

Public Sector Bank

Rs.100,000 

Rs.100,000 

Axis Bank

Private

Rs.100,000 

Rs.100,000 

Bandhan Bank

Private

Rs.100,000 

Rs.100,000 

Bank Of Baroda

Public Sector Bank

Rs.25,000 

Not set

Bank of India

Public Sector Bank

Rs.10,000 

Rs.100,000 

Bank of Maharashtra

Public Sector Bank

Rs.100,000 

Rs.100,000 

Canara Bank

Public Sector Bank

Rs.100,000 

Rs.100,000 

Central Bank of India

Public Sector Bank

Rs.100,000 

Rs.100,000 

Citibank Retail

Foreign Bank

Rs.100,000 

Rs.100,000 

City Union Bank

Private

Rs.100,000 

Rs.100,000 

Corporation Bank

Public Sector Bank

Rs.50,000 

Rs.100,000 

Deutsche Bank AG (Web Collect)

Foreign Bank

NA

Dhanlaxmi Bank Ltd

Private

Rs.100,000 

Rs.100,000 

Federal Bank

Private

Rs.100,000 

Rs.100,000 

HDFC

Private

Rs.100,000 

(Rs.5,000  for new customers)

Rs.100,000 

HSBC

Foreign Bank

Rs.100,000 

Rs.100,000 

ICICI Bank

Private

Rs.100,000 

Rs.100,000 

IDBI Bank

Public Sector Bank

Rs.100,000 

Rs.100,000 

IDFC

Private

Rs.100,000 

Rs.100,000 

India Post Payment Bank

Payments Bank

Rs.25,000 

Rs.50,000 

Indian Bank

Public Sector Bank

Rs.100,000 

Rs.100,000 

Indian Overseas Bank

Public Sector Bank

Rs.50,000 

Rs.100,000 

IndusInd Bank

Private

Rs.100,000 

Rs.100,000 

Jio Payments Bank

Payments Bank

Rs.100,000 

Rs.100,000 

Karnataka Bank

Private

Rs.100,000 

Rs.200,000 

Kotak Mahindra Bank

Private

Rs.100,000 

Rs.100,000 

Paytm Payments Bank

Payments Bank

Rs.100,000 

Rs.100,000 

Punjab and Sind Bank

Public Sector Bank

Rs.10,000 

Rs.10,000 

Punjab National Bank

Public Sector Bank

Rs.25,000 

Rs.50,000 

South Indian Bank

Private

Rs.100,000 

Rs.100,000 

Standard Chartered

Foreign Bank

Rs.100,000 

Rs.100,000 

State Bank of India

Public Sector Bank

Rs.100,000 

Rs.100,000 

Syndicate Bank

Public Sector Bank

Rs.10,000 

Rs.100,000 

UCO Bank

Public Sector Bank

Rs.100,000 

Rs.100,000 

Union Bank of India

Public Sector Bank

Rs.100,000 

Rs.200,000 

United Bank of India

Public Sector Bank

Rs.25,000 

Rs.60,000 

Vijaya Bank

Public Sector Bank

Rs.25,000 

Rs.50,000 

YES Bank

Private

Rs.100,000 

Rs.100,000 

UPI Limits for Top Payment Apps

UPI payment apps too have defined their limits on the number of transactions and amount that can be transferred in a day. Keep in mind that users must abide by the limits set by their banks.

For popular UPI payment apps like Google Pay, Moneyview, MobiKwik, Paytm, PhonePay, and BHIM the daily transaction limit is Rs.1 Lakh with up to 20 transactions allowed in a day.

Conclusion

The general limit set in place by NPCI for UPI transactions only allows you to send Rs.1 Lakh per day. However, banks can define their limits which can be lower than Rs. 1 Lakh. UPI payment apps have limits on the number of transactions you can make in a day.

For specific categories of transactions like tax payments, IPOs, and RBI retail direct schemes the limit is Rs.5 Lakh.

Understanding UPI Transaction Limits - Related FAQ

The maximum UPI transaction limit per day is generally set at Rs.1 Lakh by the National Payments Corporation of India (NPCI). However, this limit may vary depending on the bank or payment platform you are using.

Platforms like PhonePe, Paytm, and Google Pay typically adhere to the NPCI's standard limit of Rs.1 Lakh per day.

Generally, there are no charges for attempting to exceed the UPI transaction limit, as the transaction will simply be declined.

UPI transaction limits primarily apply to sending money. Receiving money through UPI does not typically have a limit.

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