UPI Transaction Limit of Payment Apps & Banks [Updated March 2022]

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The Unified Payments Interface (UPI) was developed by the National Payments Corporation of India (NPCI) to encourage and ensure safe digital transactions in India. Today UPI has become the most sought mode of payment for P2P (person to person) and P2M (person to merchant) transactions. But the NPCI has also set daily and monthly UPI transaction limits for users.

Here’s the general limit for UPI transactions: Currently, the UPI transaction limit is ₹1 Lakh (Maximum amount for a single UPI transaction). For verified merchants, the transaction limit was increased to ₹2 Lakh. The total UPI transaction limit is 20 for a single day (Differs from bank to bank).

The NPCI also allows banks to set their own UPI transaction limits, and many banks have implemented this for their customers. For example, the transaction limit can be anywhere between ₹5,000 to ₹1 Lakh. If you have capped your transaction limit for the day, you cannot make any further transactions.

UPI transaction limit for IPO and RDS in 2022

According to the NPCI circular, the per transaction limit in UPI for Initial Public Offering (IPO) and Retail Direct Scheme (RDS) has increased to ₹5 lakhs.

The increasing popularity of UPI in India is one of the important factors that pushed the UPI transaction limit from ₹2 Lakhs to ₹ 5 Lakhs for RDS and IPO applications. All such transactions shall be considered under verified merchant and appropriate rules will be applicable.

Google Pay transaction limit per day

  • Users cannot send more than ₹1 Lakh across all UPI apps in one day
  • You can send money 10 times in one day

Note: Some transactions might get flagged for further review by Google Pay to protect against fraud.

PhonePe transaction limit per day

  • ₹1 Lakh is the transaction limit for PhonePe
  • Users can make up to 20 transactions a day

What is the transaction limit for SBI UPI?

  • Per day UPI transaction limit set by SBI is ₹1 Lakh
  • There is no limit for the weekly or monthly value of UPI transfer

What is the transaction limit for Paytm?

  • The daily transfer limit is ₹1 Lakh
  • The hourly money transfer limit is ₹20,000
  • Transactions capped per hour is 5
  • Users can transact up to 20 times in a day

What is the transaction limit for HDFC UPI?

  • Daily UPI transaction is ₹1 Lakh or 10 transactions.
  • The limit of 10 transactions is only applicable for fund transfer and doesn’t include Bill payment and Merchant transactions.

Note: The transaction limit is up to ₹5,000 for 1st time UPI users.

What is the UPI limit for the Bank of Baroda?

  • For the first time UPI users, the UPI transaction limit is up to ₹5,000
  • Per day limit is ₹50,000
  • Per transaction, the limit is ₹25,000

What is the UPI limit for BHIM?

  • A user can send up to ₹1 Lakh per transaction
  • Maximum of ₹1 lakh per day for one bank account

What is Kotak bank’s UPI limit?

  • The current UPI transfer limit is ₹1 Lakh per day
  • Users can make up to 10 transactions per day

Here’s the list of banks and their transaction limits:

Bank Name UPI Transaction limit UPI Daily Transaction Limit Special Note
Abhyudaya Co-operative Bank 25000 25000
Adarsh Co-op Bank Ltd 50000 50000
Aditya Birla Idea Payments Bank 100000 100000
Airtel Payments Bank 1,00,000 1,00,000
Allahabad Bank 25000 100000
Allahabad UP Gramin Bank 20000 40000
Andhra Bank 100000 100000
Andhra Pradesh Grameena Vikas Bank 25000 100000
Andhra Pragathi Grameena Bank 10000 20000
Apna Sahakari Bank 100000 100000
Assam Gramin VIkash Bank 5000 25000
Axis Bank 100000 100000
Bandhan Bank 100000 100000
Bank Of Baroda 25000 100000
Bank Of India 10000 100000
Bank of Maharashtra 100000 100000
Baroda Gujarat Gramin Bank 10000 20000
Baroda Rajasthan Kshetriya Gramin Bank 25000 25000
Baroda Uttar Pradesh Gramin Bank 25000 25000
Bassein Catholic Coop Bank 20000 40000
Bhilwara Urban Co operative Bank LTD 25000 25000
Canara Bank 10000 25000
Catholic Syrian Bank 100000 100000
Central Bank of india 25000 50000
Chaitanya Godavari Grameena Bank 25000 100000
Chhattisgarh Rajya Gramin Bank 25000 100000
Citibank Retail 100000 100000
City Union Bank 100000 100000
COASTAL LOCAL AREA BANK LTD 50000 1,00,000
Corporation Bank 50000 100000
DBS Digi Bank 100000 100000
DCB Bank 5000 5000
Dena Bank 100000 100000
Dhanlaxmi Bank Ltd 100000 100000
Dombivali Nagrik Sahakari Bank 100000 100000
Equitas Small Finance Bank 25000 100000
ESAF Small Finance Bank 100000 100000
Federal Bank 100000 100000
FINO Payments Bank 100000 100000
G P Parsik Bank 100000 100000
HDFC 100000 100000 (RS 5000 for new customer)
Himachal Pradesh Gramin Bank 50000 50000
HSBC 100000 100000
Hutatma Sahakari Bank Ltd 100000 Not Specified
ICICI Bank 10000 10000 (25000 for Google Pay users)
IDBI Bank 25000 50000
IDFC 100000 100000
India Post Payment Bank 25000 50000
Indian Bank 100000 100000
Indian Overseas Bank 10000 20000
IndusInd Bank 100000 100000
J&K Grameen Bank 20000 20000
Jalgaona Janata Sahkari Bank 100000 100000
Jammu & Kashmir Bank 20000 20000
Jana Small Finance Bank 10000 40000
Janta Sahakari Bank Pune 100000 100000
Jio Payments Bank 100000 100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd. 25000 200000
Karnataka Bank 100000 200000
Karnataka vikas Gramin Bank 25000 25000
Karur Vysaya Bank 100000 100000
Kashi Gomti Samyut Gramin Bank 100000 100000
Kaveri Grameena Bank 25000 25000
Kerala Gramin Bank 20000 20000
Kotak Mahindra Bank 100000 100000
Langpi Dehangi Rural Bank 10000 100000
Madhya Bihar Gramin Bank 25000 100000
Maharashtra Grameen Bank 25000 100000
Maharashtra state co opp Bank 5000 50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank) 10000 25000
Manipur Rural Bank 10000 10000
Maratha co opp Bank 100000 100000
Meghalaya Rural Bank 100000 100000
Mizoram Rural Bank 25000 100000
NKGSB CO-Op. Bank Ltd. 20000 40000
Oriental Bank of Commerce 100000 100000
Paschim Banga Gramin Bank 5000 25000
Paytm Payments Bank 100000 100000
Pragathi Krishna Gramin Bank 20000 20000
Prathama Bank 10000 50000
Punjab and Maharastra Co. bank 100000 100000
Punjab and Sind Bank 10000 10000
Punjab Gramin Bank 10000 25000
Punjab National Bank 25000 50000
Purvanchal Bank 25000 100000
Rajasthan Marudhara Gramin Bank 25000 25000
Rajkot Nagari Sahakari Bank Ltd 100000 100000
Samruddhi Co-op bank ltd 100000 100000
Sarva Haryana Gramin Bank 50000 1,00,000
Sarva UP Gramin Bank 50000 100000
Saurashtra Gramin Bank 20000 100000
Shree Kadi Nagarik Sahakari Bank Ltd. 100000 100000
South Indian Bank 100000 100000
Standard Chartered 100000 100000
State Bank Of India 100000 100000
Suco Souharda Sahakari bank 100000 100000
Suryoday Small Finance Bank Ltd 100000 100000
Suvarnayug Sahakari Bank ltd 100000 100000
Syndicate Bank 10000 100000
Tamilnadu Mercantile Bank 20000 100000
Telangana Gramin Bank 25000 100000
Telangana State Co Operative Apex Bank 10000 1,00,000
Thane Bharat Sahakari Bank 100000 100000
The A.P. Mahesh Co-Operative Urban Bank 25000 25000
The Ahmedabad District Co-operative Bank Ltd 10000 25000
The Ahmedabad Mercantile Co-op Bank Ltd 100000 100000
The Andhra Pradesh state cooperative 10000 100000
The Baroda Central Co-operative bank ltd. 15000 100000
The Cosmos Co-Operative Bank LTD 10000 50000
The Gujarat State Co-operative Bank Limited 50000 100000
The Hasti Co-operative Bank Ltd 100000 100000
The Kalyan Janta Sahkari Bank 100000 100000
The Lakshmi Vilas Bank Limited 100000 100000
The Mahanagar Co-Op. Bank Ltd 25000 50000
The Malad Sahakari Bank Ltd. 10000 50000
The Mehsana Urban Co-Operative Bank 100000 100000
The Municipal Co-op Bank Ltd. 5000 50000
The Muslim Co-Operative Bank Ltd 100000 100000
The Nainital Bank Ltd 20000 40000
The Ratnakar Bank Limited 25000 25000
The Saraswat Co-Operative Bank 100000 100000
The Surat Peoples Co Op. Bank Ltd 25000 100000
The Sutex Co op Bank 100000 100000
The SVC Co-Operative Bank Ltd 10000 20000
The Thane Janta Sahakari Bank Ltd(TJSB) 100000 100000
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd 100000 100000
The Udaipur Mahila Urban Co-op Bank Ltd 100000 100000
The Urban Cooperative Bank Ltd Dharangaon 20000 25000
The Varachha Co-op Bank Ltd. 20000 40000
The Vijay Cooperative Bank Ltd 20000 200000
The Vishweshwar Sahakari Bank Ltd 100000 100000
Tripura Gramin Bank 10000 10000
UCO Bank 100000 100000
Ujjivan Small Finance Bank Limited 50000 100000
Union Bank of India 100000 200000
United Bank of India 25000 60000
Uttarakhand Gramin Bank 25000 100000
Vananchal Gramin Bank 20000 20000
Vasai Vikas Co-op Bank Ltd 100000 100000
Vijaya Bank 25000 50000
YES Bank 100000 100000

FAQs

  • What is the minimum amount that can be sent through UPI?
    The minimum amount that users can send through UPI is ₹1.
  • How many Fund Transfer transactions can be done after setting/resetting the UPI PIN?
    Users can only transact once after the 24 hours cooldown period. The maximum amount they can send is ₹5000 (It might be different for various banks. Don’t hesitate to get in touch with your bank for more details).
  • How much amount can we send for merchant transactions?
    You can send up to ₹2,000 (Online Collect for unverified merchants) and ₹1,00,000 for others. And up to ₹2,00,000 for Specific MCCs (Merchant Category Codes). [Might be different for various banks]
  • Is there a UPI transaction limit per week?
    Yes, some banks have a weekly limit.
  • Is there a UPI transaction limit per month?
    Yes, every bank has different transaction limits. Reach out to your bank for details.
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