UPI Transaction Limits — Check Daily & Per-Transaction Limits by Bank & App
Check UPI transaction limits for 20+ banks and all major apps. Includes special category limits (IPO, medical, insurance), UPI Lite, UPI 123PAY, daily limits and transaction count caps.
Can I Send This Amount via UPI?
Special Category UPI Limits
Some transaction types have higher limits — applied automatically by your app.
UPI Limits by Bank — All Major Banks
| Bank | Per Transaction | Per Day | Txn / Day | Notes |
|---|---|---|---|---|
| State Bank of India (SBI) | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| HDFC Bank | ₹100,000 | ₹100,000 | 20 | New users: ₹5,000 limit for first 24 hours after UPI activation. |
| ICICI Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Axis Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Kotak Mahindra Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Punjab National Bank (PNB) | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Bank of Baroda | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Canara Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Union Bank of India | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| IndusInd Bank | ₹100,000 | ₹200,000 Higher | 20 | Higher daily limit of ₹2,00,000 for eligible customers. |
| Yes Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| IDFC First Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Federal Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| RBL Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Indian Overseas Bank (IOB) | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Bank of India | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Central Bank of India | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Paytm Payments Bank | ₹100,000 | ₹100,000 | 20 | Wallet-to-bank limits subject to KYC tier. |
| Airtel Payments Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Jio Payments Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| AU Small Finance Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
| Equitas Small Finance Bank | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits |
UPI Limits by App
Apps may impose stricter limits than NPCI. Both bank AND app limits apply — the lower one wins.
| App | Per Transaction | Per Day | Txn / Day | Special Notes |
|---|---|---|---|---|
| Google Pay (GPay) | ₹100,000 | ₹100,000 | 10 Restricted | 10 transactions/day app-level limit (bank may allow more). Higher limits post KYC verification. |
| PhonePe | ₹100,000 | ₹100,000 | 10 Restricted | 10 UPI transactions/day. Wallet (PhonePe Money) has separate limits based on KYC. |
| Paytm UPI | ₹100,000 | ₹100,000 | 20 | Separate from Paytm Wallet. UPI limit follows NPCI/bank guidelines. |
| BHIM | ₹100,000 | ₹40,000 Lower | 10 Restricted | App-imposed ₹40,000 daily limit regardless of bank limit. Government app — conservative limits. |
| WhatsApp Pay | ₹100,000 | ₹100,000 | 20 | 20 UPI transactions/day. Integrated with WhatsApp — limit shared with all UPI activity on linked account. |
| Amazon Pay | ₹100,000 | ₹100,000 | 20 | Separate UPI and Amazon Pay Balance limits. UPI follows bank limits. |
| Navi | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits apply. |
| Cred | ₹100,000 | ₹100,000 | 20 | Standard NPCI limits. CRED Pay uses UPI rails. |
| MobiKwik | ₹100,000 | ₹100,000 | 20 | UPI limit follows bank guidelines. |
| iMobile (ICICI) | ₹100,000 | ₹100,000 | 20 | Bank-native app — follows ICICI Bank UPI limits directly. |
| YONO (SBI) | ₹100,000 | ₹100,000 | 20 | Bank-native app — follows SBI UPI limits directly. |
UPI Variants — Limits Comparison
Standard UPI, UPI Lite, UPI 123PAY and UPI One World — each has different limits.
| Variant | Per Txn Limit | Wallet | PIN Needed | Offline | Device |
|---|---|---|---|---|---|
|
Standard UPI
The standard UPI protocol. Requires smartphone, internet, UPI PIN.
|
₹100,000 | — | Yes | ❌ No | Smartphone |
|
UPI Lite
On-device wallet for small payments. No PIN, works offline. Recharge wallet from bank anytime.
|
₹500 | ₹2000 | No | ✅ Yes | Smartphone |
|
UPI 123PAY
UPI on feature phones via IVR, missed call, sound-based or proximity tech. No internet needed.
|
₹5,000 | — | Yes | ❌ No | Feature Phone |
|
UPI One World
For international visitors to India. Prepaid wallet linked to foreign card. No Indian bank account needed.
|
₹200,000 | ₹2000 | Yes | ❌ No | Smartphone |
|
UPI AutoPay
Recurring payments via UPI mandate. Up to ₹10 lakh per debit cycle for subscriptions, SIP, EMI.
|
₹1,000,000 | — | No | ❌ No | Any |
UPI Transaction Limits — Complete Guide for 2025
NPCI sets the base UPI transaction limits that all banks and apps must follow. However, individual banks can set lower daily limits, and apps add their own restrictions on top. Understanding both layers prevents payment failures at critical moments.
Why Your UPI Payment May Fail Due to Limits
Four common limit-related failure scenarios:
- Per-transaction limit exceeded: You tried to send more than ₹1,00,000 in a single transaction. Split into two payments on different days or use RTGS/NEFT for large amounts.
- Daily limit reached: You've already sent ₹1 lakh today. Wait until midnight (limits reset at 12:00 AM IST) or use a different bank account.
- Transaction count exceeded: Google Pay and PhonePe allow only 10 UPI transactions/day. Switch to Paytm, WhatsApp Pay, or your bank's native app which allows 20/day.
- New account restriction: HDFC Bank and some others limit new UPI users to ₹5,000 for the first 24 hours. Wait or contact your bank.
How to Increase UPI Limits
The ₹1 lakh per-transaction limit is NPCI-mandated and cannot be increased for standard payments. However:
- Contact your bank to increase your daily transaction count (some banks allow up to 50/day for business accounts)
- Use special category merchants (IPO, medical, insurance, education) — these automatically get ₹5 lakh limits
- For amounts above ₹1 lakh, use NEFT (free, next business day) or RTGS (free, minimum ₹2 lakh, same-day settlement)
- Businesses can register as a UPI merchant with their bank to get higher collection limits
Pro tip: Keep two UPI apps installed. If Google Pay hits its 10 transaction/day limit, switch to Paytm or your bank's native app — the 20/day limit resets per app, not per account.
Limits sourced from NPCI circulars and official bank/app published guidelines. Bank limits are subject to change — verify with your bank before large transfers. Last verified Jun 2026 by BankZop Editorial Team.
