In this article, I am going to tell you What is Daily UPI Limit. So if you want to know about it, then keep reading this article. Because I am going to give you complete information about it, so let’s start.
UPI (Unified Payments Interface) is a payment system in India that allows instant money transfers between banks using mobile phones. It works through mobile apps and uses a unique ID (VPA) to send money instead of bank account details.
UPI is available 24/7, is secure, and can be used to pay bills and make purchases easily. It’s a popular way to make digital payments in India.

Today’s article focuses on the same, i.e., “What is Daily UPI Limit” The articles entail each bit of information necessary for you to know.
Let’s get started!✨
Table of Contents
What is UPI
UPI stands for Unified Payments Interface, and it is a real-time payment system that enables instant money transfers between different banks in India. It was developed by the National Payments Corporation of India (NPCI) and launched in 2016.
The UPI platform allows users to link their bank accounts to a mobile application and perform various transactions such as sending money, receiving money, paying bills, and making online purchases. It provides a seamless and convenient way to transfer funds securely using a unique Virtual Payment Address (VPA) or the bank account number and Indian Financial System Code (IFSC) combination.
Some key features of UPI include:
- Instant Transfers: UPI facilitates immediate money transfers 24/7, including weekends and holidays.
- Mobile-Friendly: The system operates through mobile applications, making it easily accessible to a vast number of users.
- Secure and Encrypted: UPI transactions are protected with multi-layer security, including two-factor authentication.
- Interoperability: UPI is interoperable among participating banks, allowing users to transact between different banks seamlessly.
- Single Interface: UPI provides a unified interface to link multiple bank accounts, simplifying the process for users with accounts in various banks.
- Bill Payments: Users can pay utility bills, make online purchases, and avail various services through UPI-enabled apps.
UPI has gained widespread popularity in India due to its simplicity and convenience, and it has revolutionized digital payments in the country, contributing to the government’s efforts to promote a cashless economy. Many financial institutions and third-party service providers have integrated UPI into their platforms to offer a seamless payment experience to their customers.
What is UPI Limit
UPI has different transaction limits based on the type of transaction. These limits are set by the National Payments Corporation of India (NPCI) and are subject to change over time. It’s essential to refer to the latest guidelines issued by NPCI or your bank for the most up-to-date information on UPI transaction limits.
Here are the common transaction limits for UPI:
- Per Transaction Limit: The maximum amount allowed per UPI transaction is typically capped. The exact limit can vary, but it’s usually in the range of ₹1 lakh per transaction.
- Daily Transaction Limit: Banks often impose a daily transaction limit for UPI payments. Again, this can vary, but it’s generally between ₹1 lakh per day. Some banks might have a different limit for different types of UPI transactions.
- Number of Transactions Limit: There might be a limit on the number of UPI transactions allowed per day. This is to prevent potential misuse and enhance security.
- Mandate Limit: For UPI recurring payments and mandates (where you authorize automatic deductions for regular bills), there might be a separate limit, which is generally higher than the regular transaction limit.
It’s crucial to be aware of these limits to avoid any inconvenience while making UPI transactions. These limits can be adjusted by individual banks and may vary based on your account type, account history, and other factors. So, I recommend checking with your bank or the UPI-enabled app you are using to get the most accurate and up-to-date information on transaction limits.
What is Daily UPI Limit
The daily UPI transaction limit set by the National Payments Corporation of India (NPCI) for person-to-person (P2P) transactions is generally around ₹1 lakh per day. However, it’s important to note that banks and payment service providers may set their own specific daily transaction limits for UPI payments, and these limits can vary based on factors such as the type of account, customer history, and the specific UPI app being used.
Additionally, beyond the P2P transaction limit, there might be separate daily transaction limits for other types of UPI transactions, such as person-to-merchant (P2M) transactions, bill payments, and online purchases. These limits can differ from the P2P limit and may be higher or lower depending on the bank or service provider’s policies.
Since UPI and its associated transaction limits are subject to change, it’s essential to check with your bank or the UPI-enabled app you are using to get the most accurate and up-to-date information on daily UPI transaction limits. This information may also be available on the bank’s website or in the terms and conditions provided by the UPI service provider.
How to Increase UPI Limit
To increase your UPI (Unified Payments Interface) transaction limit, you typically need to follow these steps:
- Contact Your Bank: Reach out to your bank, either by visiting the branch or contacting customer support. Request information about increasing your UPI transaction limit. Some banks allow you to raise the limit temporarily for a specific duration, while others may offer permanent increases based on your account type and usage history.
- KYC (Know Your Customer): Ensure that your bank account is KYC-compliant. Banks often have higher transaction limits for customers who have completed the full KYC process. If your account is not fully KYC-compliant, provide the necessary documents to update your KYC status.
- Upgrade Account Type: In some cases, certain account types have higher transaction limits than others. If your current account has limitations, inquire about upgrading to a different account type that offers higher UPI transaction limits.
- Online Banking or Mobile App: Some banks allow customers to modify their UPI transaction limits through their online banking portals or mobile apps. Log in to your account, navigate to the settings or profile section, and check if there are options to customize your UPI transaction limits.
- Set Limits within UPI App: If your bank allows it, you might also be able to set custom UPI transaction limits within the UPI-enabled mobile app itself. This is an added security feature that can help you manage your spending and prevent unauthorized transactions.
- Fulfill Additional Requirements: Depending on your bank’s policies, they may have additional requirements to raise your UPI transaction limit, such as maintaining a specific minimum balance or having a satisfactory transaction history.
Remember that UPI transaction limits can vary from bank to bank and can change over time, so it’s essential to check with your specific bank for their procedures and requirements to increase the UPI transaction limit for your account.
FAQs:)
The daily UPI transaction limit was generally in the range of ₹1 lakh per day. However, this limit may vary from one bank or UPI service provider to another.
Yes, in some cases, you can increase your daily UPI transaction limit. You can contact your bank or UPI-enabled app’s customer support and inquire about the process to raise the transaction limit. They may require you to complete additional KYC (Know Your Customer) formalities or fulfill specific criteria.
Yes, the daily UPI transaction limits can vary based on the UPI service provider and the policies of the bank or app you are using. Each bank or app may set its own transaction limits, so it’s essential to check with your specific provider for the most accurate information.
Some UPI-enabled apps and banks may offer the option to set custom daily transaction limits within their app or online banking platform. This feature allows users to have more control over their spending and enhances security.
Read also:)
- What is YouTube Reaction Video: A-to-Z Guide for Beginners!
- What is Ai and Ml in Web Development: A-to-Z Guide for Beginners!
- What is IVR Number: A-to-Z Guide for Beginners!
So hope you liked this article on What is Daily UPI Limit. And if you still have any questions or suggestions related to this, then you can tell us in the comment box below. And thank you so much for reading this article.