The daily limit on Google Pay (GPay) is the maximum amount of money and the number of UPI transactions you can make from a linked bank account within 24 hours. These limits are not set solely by GPay; they are mainly governed by UPI rules and each individual bank's policies. This topic is important because exceeding these limits is one of the most common reasons UPI payments fail, especially for users making frequent or high-value transfers throughout the day.
Primary UPI Transaction Limits (NPCI Guideline for 2026)
As per current guidelines, the standard UPI transaction limit set by NPCI is:
- Rs 1 Lakh per transaction for most payments (such as merchant payments, personal transfers, and bill payments).
For certain high-value transactions, the limit is higher, up to:
- Rs 5 Lakhs per transaction for specific purposes like investments (mutual funds, IPOs), insurance premiums, credit card bill payments, and select merchant categories.
Daily & Monthly Limits (Dictated by Your Bank)
| Transaction Type | Typical Daily Limit (Most Banks) | Typical Monthly Limit |
| Peer-to-Peer (P2P) (Sending to friends, family, contacts) | Rs 1 Lakh | Rs 10 - 20 Lakhs |
| Merchant Payments (P2M)(Shopping, bills, groceries) | Rs 1 Lakh | Rs 10 - 20 Lakhs |
| Specific High-Value Categories (Investments, Insurance, etc.) | Up to Rs 5 Lakhs | Varies by Bank/Service |
Note:
- SBI: Often has a default daily limit of Rs 1 lakh, which can be increased.
- HDFC/ICICI/Axis: Also generally have a Rs 1 lakh/day limit for standard UPI.
How to Check Your Exact Limit on GPay?
The easiest way is to check within the GPay app:
- Open Google Pay (GPay).
- Tap on your Profile Picture (top right) > Bank Accounts.
- Select the bank account you use for UPI.
- Here, you should see the transaction limits specific to that account.
Important Factors That Can Affect Your Limit
New UPI Users
Initial transaction limits may be temporarily lower for recently activated UPI accounts.
Bank Account Type
The applicable UPI limits can vary depending on the type of account held, such as a basic savings account versus a premium or current account.
Manual Limit Increase
Banks often allow users to request an increase in their daily or monthly UPI limits. This typically involves submitting a formal request through net banking, a mobile banking app, or by visiting a branch.
Security-Related Limits
Standard UPI PIN-Based Payments: Governed by your bank's standard UPI transaction limits (e.g., up to Rs 1 Lakh per transaction).
UPI Lite (for small payments): A separate, on-device wallet feature designed for faster sub-Rs 500 transactions. Key features include:
- A per-transaction limit of Rs 4,000 and a maximum wallet balance of Rs 50,000.
- Payments are authorized without entering your UPI PIN each time.
- Transactions do not count toward your primary UPI daily limit.
For the most accurate and up-to-date information for 2026, it's always best to check directly with your bank's customer care or their official website, as they can provide specifics for your account type and profile.
FAQs
Does GPay have a limit on the number of transactions per day?
Yes. The daily transaction limit on Google Pay is Rs 1,00,000 per day for most banks, but with a maximum of 20 transactions per day.
Is there a transaction limit after installing Google Pay?
Yes. For the first 24 hours after installing or reinstalling GPay, the maximum transaction limit is Rs 5,000 and the minimum amount is Rs 50.
What is the limit for receiving money via VPA requests?
The limit for receiving money through VPA requests is Rs 2,000 per day.
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