{"id":296,"date":"2025-04-07T12:33:45","date_gmt":"2025-04-07T07:03:45","guid":{"rendered":"https:\/\/www.caclubindia.com\/guide\/?p=296"},"modified":"2025-06-26T15:55:41","modified_gmt":"2025-06-26T10:25:41","slug":"upi-transaction-limit","status":"publish","type":"post","link":"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/","title":{"rendered":"UPI Transaction Limit 2025: How Much Can You Transfer?"},"content":{"rendered":"\n<p>Use Interface Payments (UPI) is the most famous method of payment in the new digital India. The volume of transactions using the UPI method in the month of March 2025 was 18,301.51 MN and the value INR 24,77,221.61 Crs. UPI allows real time instant transfer of money just by mobile phones. UPI transaction limit per day is set at Rs 1 lakh, according to the NPCI, the RBI-regulated entity that built UPI. However, the maximum limit can change from bank to bank.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/01\/UPI-Transaction-Limits-1024x538.png\" alt=\"\" class=\"wp-image-1824\" srcset=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/01\/UPI-Transaction-Limits-1024x538.png 1024w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/01\/UPI-Transaction-Limits-300x158.png 300w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/01\/UPI-Transaction-Limits-768x403.png 768w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/01\/UPI-Transaction-Limits.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Categories_of_UPI_Payment\" >Categories of UPI Payment<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#General_UPI_Transactions\" >General UPI Transactions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Transactions_up-to_INR_5_Lakhs\" >Transactions up-to INR 5 Lakhs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#UPI_limits_for_Specific_Sector\" >UPI limits for Specific Sector<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Bank_specific_UPI_limits\" >Bank specific UPI limits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Daily_Limit_Of_UPI\" >Daily Limit Of UPI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Weekly_Limit_of_UPI\" >Weekly Limit of UPI<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Monthly_Limit\" >Monthly Limit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Below_are_the_limit_of_UPI_for_some_famous_Banks\" >Below are the limit of UPI for some famous Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#UPI_LITe\" >UPI LITe<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Inter_Change_Fees\" >Inter Change Fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Important_Update_on_NPCIs_UPI_Transaction_ID\" >Important Update on NPCI&#8217;s UPI Transaction ID<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Impact_on_UPI_Transactions\" >Impact on UPI Transactions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#Compliance_Requirement_for_UPI_Apps\" >Compliance Requirement for UPI Apps<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.caclubindia.com\/guide\/upi-transaction-limit\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Categories_of_UPI_Payment\"><\/span>Categories of UPI Payment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"General_UPI_Transactions\"><\/span>General UPI Transactions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Daily Limit:<\/strong> \u20b91 lakh per day<\/li>\n\n\n\n<li><strong>Per Transaction Limit (UPI 123Pay): <\/strong>\u20b910,000<\/li>\n\n\n\n<li><strong>Transaction Count Limit:<\/strong> Maximum 20 transactions per day<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Transactions_up-to_INR_5_Lakhs\"><\/span>Transactions up-to INR 5 Lakhs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tax Payments<\/li>\n\n\n\n<li>Payments to Educational Institutions &amp; Hospitals<\/li>\n\n\n\n<li>IPO Applications<\/li>\n\n\n\n<li>Payments to RBI\u2019s Retail Direct Schemes<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UPI_limits_for_Specific_Sector\"><\/span>UPI limits for Specific Sector<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Capital Markets, Foreign Remittances, and Insurance \u2013 \u20b92 lakh daily limit<br>Education &amp; Healthcare (Verified Merchants) \u2013 \u20b95 lakh daily limit<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bank_specific_UPI_limits\"><\/span>Bank specific UPI limits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>UPI transfer limits vary between banks. While most banks offer limits between \u20b925,000 to \u20b91 lakh per day, some may impose weekly or monthly caps instead of daily limits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Daily_Limit_Of_UPI\"><\/span>Daily Limit Of UPI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The UPI transaction limit per day has been defined by each bank in the UPI network and varies from bank to bank.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Weekly_Limit_of_UPI\"><\/span>Weekly Limit of UPI<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Some banks have also defined how much amount can be transferred through UPI in a week.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Monthly_Limit\"><\/span>Monthly Limit<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Limited public sector banks and recognised private banks have imposed a UPI transaction limit per month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Below_are_the_limit_of_UPI_for_some_famous_Banks\"><\/span>Below are the limit of UPI for some famous Banks<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Name of the Bank<\/strong><\/td><td><strong>UPI Transaction Limit(INR)<\/strong><\/td><td><strong>UPI Daily Limit(INR)<\/strong><\/td><\/tr><tr><td>Axis Bank<\/td><td>1,00,000<\/td><td>1,00,000<\/td><\/tr><tr><td>Bank Of Baroda<\/td><td>25,000<\/td><td>Not Set<\/td><\/tr><tr><td>Bank Of India<\/td><td>10,000<\/td><td>1,00,000<\/td><\/tr><tr><td>Canara Bank<\/td><td>1,00,000<\/td><td>1,00,000<\/td><\/tr><tr><td>Central Bank of India<\/td><td>1,00,000<\/td><td>1,00,000<\/td><\/tr><tr><td>DCB<\/td><td>5,000<\/td><td>5,000<\/td><\/tr><tr><td>Federal Bank<\/td><td>1,00,000<\/td><td>1,00,000<\/td><\/tr><tr><td>HDFC<\/td><td>1,00,000 <br>5,000 for new customers<\/td><td>1,00,000<\/td><\/tr><tr><td>ICICI<\/td><td>10,000 <br>25,000 for Google Pay Users<\/td><td>10,000 <br>25,000 for Google Pay Users<\/td><\/tr><tr><td>Indian Bank<\/td><td>1,00,000<\/td><td>1,00,000<\/td><\/tr><tr><td>J&amp; K Grameen Bank<\/td><td>20,000<\/td><td>20,000<\/td><\/tr><tr><td>Karnataka Bank<\/td><td>1,00,000<\/td><td>2,00,000<\/td><\/tr><tr><td>Punjab National Bank<\/td><td>25,000<\/td><td>50,000<\/td><\/tr><tr><td>South Indian Bank<\/td><td>1,00,000<\/td><td>1,00,000<\/td><\/tr><tr><td>State Bank of India<\/td><td>1,00,000<\/td><td>1,00,000<\/td><\/tr><tr><td>Union Bank<\/td><td>1,00,000<\/td><td>2,00,000<\/td><\/tr><tr><td>Yes bank<\/td><td>1,00,000<\/td><td>1,00,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UPI_LITe\"><\/span>UPI LITe<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>National Payments Corporation of India has introduced new limits for UPI LITE in line with the RBI\u2019s announcement last year.<\/p>\n\n\n\n<p>UPI LITE is a facility that allows users to carry out PIN-less transactions under 1,000 and balance limit of \u20b95,000 at any point of time. This was introduced as part of the framework issued by RBI for small value payments in offline mode.<\/p>\n\n\n\n<p>\u2018Introduction of Auto Top-up on UPI Lite, in this the UPI User will have the option to set auto top up for limit replenishment as per NPCI circular. Currently the transaction limit is \u20b9500 which is being raised to \u20b91,000. Total limit at any point in time has been raised from \u20b92,000 to \u20b95,000.<\/p>\n\n\n\n<p>Sending money via UPI Lite is quite simple. The user has to just open the UPI Lite app, and opt to pay and can enter desired amount without using any UPI PIN for the transactions below Rs 5000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Inter_Change_Fees\"><\/span>Inter Change Fees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The interchange fee, typically up to 1.1%, is paid by the merchant for UPI transactions over \u20b92,000 made through Prepaid Payment Instruments (PPIs). This fee is collected by the payer\u2019s bank from the merchant\u2019s account to cover transaction processing costs.<\/p>\n\n\n\n<p>Merchants are subject to interchange fees on UPI payments made through Prepaid Payment Instruments (PPI) like digital wallets (e.g., Amazon Pay, PhonePe, Paytm). These fees apply to transactions exceeding \u20b92,000 and vary based on the type of transaction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fuel: 0.5%<\/li>\n\n\n\n<li>Post office, telecom, utilities, agriculture, education: 0.7%<\/li>\n\n\n\n<li>Supermarkets: 0.9%<\/li>\n\n\n\n<li>Insurance, mutual funds, railways: 1.1%<\/li>\n<\/ul>\n\n\n\n<p>Merchants must bear these interchange charges when customers use PPIs to make payments. However, small merchants are exempt, and medium-sized merchants only pay these fees for transactions over \u20b92,000.<\/p>\n\n\n\n<p>For high-value transactions, merchants can either absorb these fees or pass them on to customers, depending on their cost management strategy.<\/p>\n\n\n\n<p>Additionally, the NPCI has introduced a wallet-loading service charge of 0.15% for PPI issuers when wallet recharges exceed \u20b92,000. This fee is borne by the issuer (e.g., Amazon or Paytm) and not by the customer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_Update_on_NPCIs_UPI_Transaction_ID\"><\/span>Important Update on NPCI&#8217;s UPI Transaction ID<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>From 1st February 2025, UPI apps must generate transaction IDs only using alphanumeric characters (letters &amp; numbers). Special characters such as @, #, $ etc. will not be allowed in transaction IDs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact_on_UPI_Transactions\"><\/span>Impact on UPI Transactions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If any UPI transaction made with a special character in the transaction ID after the 1st Feb 2025, then transactions will be automatically declined.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Users of such apps will not be able to make UPI payments.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Compliance_Requirement_for_UPI_Apps\"><\/span>Compliance Requirement for UPI Apps<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payment apps must update their systems to ensure compliance.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NPCI is strictly enforcing this rule for standardization and security.<\/li>\n<\/ul>\n\n\n\n<p><strong><a href=\"https:\/\/www.caclubindia.com\/guide\/senior-citizen-savings-scheme\/\">Click here<\/a> to know about Senior Citizen Savings Scheme.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1719317141937\"><strong class=\"schema-faq-question\">What is the limit of GPay transfer?<\/strong> <p class=\"schema-faq-answer\">The daily transaction limit for Google Pay in India is INR 1,00,000.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1719317159649\"><strong class=\"schema-faq-question\">What are the maximum number of transactions allowed on GPay in 24 hours?<\/strong> <p class=\"schema-faq-answer\">You can perform a maximum of 20 transactions in 24 hours on GPay.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1719317170153\"><strong class=\"schema-faq-question\">Can I increase my GPay daily transaction limit?<\/strong> <p class=\"schema-faq-answer\">No, you cannot increase the daily transaction limit as it is set by the National Payments Corporation of India (NPCI).<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Use Interface Payments (UPI) is the most famous method of payment in the new digital India. The volume of transactions [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":1824,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11],"tags":[],"class_list":["post-296","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>UPI Transaction Limit 2025: How Much Can You Transfer?<\/title>\r\n<meta name=\"description\" content=\"UPI transaction limit for tax payment has been increased. 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