UPI Transaction Limits in India 2025: Comprehensive Guide

Understanding UPI Transaction Limits in India for 2025

Unified Payments Interface (UPI) has revolutionized digital transactions in India, offering a seamless and instant payment experience. As of 2025, it's crucial for users and businesses to be aware of the updated transaction limits to ensure smooth financial operations.

General UPI Transaction Limits

• Daily Limit: The National Payments Corporation of India (NPCI) has set a standard daily transaction limit of ₹1 lakh for regular UPI transactions. ​Times of India+8NPCI+8Razorpay+8

• Transaction Count: Users can perform up to 20 transactions per day across UPI platforms. ​cashfree.com+3zetapp.in+3Razorpay+3

Enhanced Limits for Specific Transactions

Certain sectors and payment categories have higher transaction limits to accommodate their unique requirements:

• Capital Markets, Insurance, and Foreign Inward Remittances: Transactions in these sectors have a per-transaction limit of up to ₹2 lakh. ​NPCI+1zetapp.in+1

• Education and Healthcare Payments: Verified merchants in these sectors can accept payments up to ₹5 lakh per transaction. ​cashfree.com+1Times of India+1

• Tax Payments and IPO Applications: These transactions also enjoy a higher limit of ₹5 lakh per transaction. ​Razorpay+6NPCI+6zetapp.in+6

UPI 123Pay Limits

UPI 123Pay caters to feature phone users, enabling digital transactions without internet connectivity. As of January 2025, the per-transaction limit for UPI 123Pay has been increased to ₹10,000, enhancing accessibility for a broader user base. ​zetapp.in+5Economic Times+5Economic Times+5

UPI LITE Limits

UPI LITE is designed for small-value transactions, offering a swift and straightforward payment process. In December 2024, the Reserve Bank of India (RBI) increased the per-transaction limit for UPI LITE to ₹1,000, with a total wallet limit of ₹5,000. Users can replenish this limit online with Additional Factor Authentication (AFA). ​MageComp+4India Today+4LiveMint+4Team Lease Regtech+1LiveMint+1

Bank-Specific Limits

While NPCI sets standard limits, individual banks may impose their own caps based on internal policies:​Team Lease Regtech+1Reuters+1

• State Bank of India (SBI): ₹1 lakh per day.​zetapp.in+6cashfree.com+6Razorpay+6

• IDFC First Bank: ₹1 lakh per week. ​

It's advisable to check with your respective bank for precise limits.​NPCI+3sabpaisa.in+3cashfree.com+3

Recent Regulatory Updates

Effective April 1, 2025, the Reserve Bank of India (RBI) introduced new guidelines impacting UPI transactions:​Business Today+1News 24 Online+1

• Mobile Number Updates: Banks and Payment Service Provider (PSP) apps are required to update mobile number records weekly to enhance security. ​Business Today

Key Facts Table

Transaction Type	Per Transaction Limit	Daily Limit	Effective Date
Regular UPI Transactions	₹1 lakh	₹1 lakh	Ongoing
Capital Markets, Insurance, Foreign Remittances	₹2 lakh	₹2 lakh	Ongoing
Education and Healthcare Payments	₹5 lakh	₹5 lakh	Ongoing
Tax Payments, IPO Applications	₹5 lakh	₹5 lakh	Ongoing
UPI 123Pay Transactions	₹10,000	₹1 lakh	January 1, 2025
UPI LITE Transactions	₹1,000	₹5,000	December 4, 2024

FAQs

Q1: Can I increase my UPI transaction limit beyond the standard cap?

A1: The standard limits are set by NPCI and RBI. Individual banks may offer variations, so it's best to consult your bank for potential adjustments.​

Q2: Are there charges for exceeding the daily UPI transaction limit?

A2: Transactions beyond the set limits are typically declined. However, consult your bank for any associated policies or charges.​

Q3: How do I know the UPI transaction limits set by my bank?

A3: You can find this information on your bank's official website or by contacting their customer service.​Team Lease Regtech+12NPCI+12NPCI+12

Q4: Do these limits apply to all UPI apps like Google Pay and PhonePe?

A4: Yes, these limits are standardized across all UPI platforms, including third-party apps.​NPCI+15Fi+15Razorpay+15

Q5: Are there different limits for merchant and peer-to-peer transactions?

A5: Generally, the limits apply uniformly, but certain merchant categories may have higher caps. It's advisable to verify with your bank.​

Staying informed about these limits ensures efficient financial planning and seamless transaction experiences. Always consult your bank for the most accurate and personalized information.

Note: The information provided is based on regulatory updates as of April 2025. For the latest details, refer to official communications from NPCI and RBI.

Sources