UPI has truly transformed the way we handle money in India. Sending or receiving cash is now just a few taps away on our phones. This digital payment system is super convenient for everything—from buying groceries to paying friends back. But like any powerful tool, UPI comes with certain rules and limits to keep things safe and running smoothly. One common question people ask is about the UPI limit per day.
Many users are curious: How much money can I send using UPI in a single day? Are there limits on how many transactions I can make? Do these limits change depending on where I’m sending money or which bank I use? Understanding your UPI transaction limit is crucial for managing your daily finances without any hiccups. This guide breaks down everything you need to know about the daily UPI limit, based on the latest information. We’ll cover the standard limits, special cases, and even peek into some upcoming changes.
Let’s start with the basics. The National Payments Corporation of India (NPCI) manages the UPI system. They set the overall guidelines for how UPI works across the country. According to the NPCI, the standard UPI limit per day for most transactions is set at ₹1 lakh. This means, in general, you can send up to ₹1,00,000 in total value using UPI within a 24-hour period. This ₹1 lakh limit applies to a wide range of daily payments you make.
This daily UPI limit acts as a safety net. It helps prevent massive unauthorized transactions if your phone or UPI PIN gets compromised. It’s the benchmark NPCI UPI limit that most users interact with daily.
It’s not just about the total value of money you send. UPI also puts a cap on the number of transactions you can make in a day. You are restricted to a maximum of 20 transactions per day.
So, even if you haven’t hit your ₹1 lakh UPI limit per day, you cannot make more than 20 separate UPI payments or transfers within that 24-hour window. This transaction count limit is another measure to manage system load and potentially flag unusual activity involving a high volume of small transactions.
While ₹1 lakh is the general UPI limit per day, NPCI understands that some payments are typically larger and more crucial. Because of this, higher limits apply to specific types of transactions.
For payments made to educational institutions (like schools, colleges, coaching centers) and hospitals (for medical bills), the sector-specific UPI limit is higher. You can send up to ₹5 lakh per day for these specific purposes. This higher UPI transaction limit per day makes it easier to pay for significant expenses like tuition fees or medical bills through UPI.
Similarly, for transactions related to tax payments and certain other specific transactions, the limit is also raised to ₹5 lakh per day. This accommodates larger financial obligations that individuals or businesses might handle via UPI.
Furthermore, payments related to capital markets (like investing), foreign remittances (sending money abroad), and insurance have a distinct daily UPI limit of ₹2 lakh. These are areas where transaction values can frequently exceed the standard ₹1 lakh cap, and this sector-specific UPI limit caters to that need.
Understanding these different UPI transaction limit per day categories is important, especially if you use UPI for more than just day-to-day small payments.
Here’s where things can get a little varied. While NPCI sets the maximum general UPI limit per day at ₹1 lakh, individual banks have the flexibility to set their own limits. These bank-specific limits can sometimes be lower than the NPCI’s general cap.
Bank UPI limit can vary significantly, ranging from ₹25,000 to ₹1 lakh per day. This means the actual maximum amount you can send in a day might depend on which bank you hold your account with and link to UPI. For instance, one bank might set its daily UPI limit at ₹50,000, while another sticks closer to the ₹1 lakh NPCI guideline.
It’s also possible that some banks might not just use a daily limit. Instead, they might impose weekly or monthly caps on the total value or number of UPI transactions. This adds another layer to the bank UPI limit structure. Always check with your specific bank to know their exact UPI transaction rules and limits. Knowing your specific bank UPI limit is key to avoiding declined transactions.
UPI is constantly evolving, and new services are being introduced to make digital payments accessible to everyone. One such service is UPI 123Pay, which allows users to make UPI payments using feature phones (non-smartphones).
For specific services like UPI 123Pay, there is a limit set per transaction. The UPI 123Pay limit for a single transaction is ₹10,000. This is lower than the general daily limit but ensures that even users without smartphones can make reasonably sized payments easily.
The UPI system continues to be refined to improve user experience and security. NPCI has announced some new regulations that will come into effect from August 1, 2025.
These upcoming new UPI rules 2025 include changes like limiting balance inquiries. Starting August 1, 2025, users will be limited to a maximum of 50 balance inquiries per app per customer per day. This measure likely aims to manage system load related to frequent balance checks.
Another change under the new UPI rules 2025 involves restricting certain autopay transactions. While the specifics of these restrictions will become clearer closer to the date, it indicates that NPCI is looking into how recurring payments are handled via UPI. Staying informed about these new UPI rules 2025 is advisable for regular users.
You might wonder why these UPI transaction limit per day rules are in place. There are several good reasons behind them:
- Security and Fraud Prevention: Limits help reduce potential losses in case of unauthorized access to your account. If your UPI limit per day is ₹1 lakh, the maximum amount a fraudster could take in a day using UPI is limited.
- System Stability: Capping the number and value of transactions helps manage the massive volume of payments processed by the UPI system daily. This ensures the system remains fast and reliable for everyone.
- Risk Management: Different limits for different sectors help manage the specific risks associated with those types of payments. For instance, higher value transactions for education or healthcare are expected and facilitated, while general daily spending has a standard cap.
These limits are designed to protect users and maintain the health of the entire UPI ecosystem.
To recap, the UPI limit per day isn’t a single, fixed number for everyone in every situation. It varies based on several factors:
- Daily Limits: The most common variation is the total amount you can send daily. The general daily UPI limit is ₹1 lakh, but your specific bank UPI limit might be lower, potentially between ₹25,000 and ₹1 lakh.
- Transaction Count: Regardless of the value, you’re generally limited to a maximum of 20 transactions per day. This transaction count limit is distinct from the value limit.
- Sector-Specific Limits: As we discussed, certain categories like education, healthcare, and tax payments have a higher sector-specific UPI limit of up to ₹5 lakh per day. Capital markets, foreign remittances, and insurance have a daily UPI limit of ₹2 lakh.
- Bank-Specific Limits: The specific bank UPI limit can differ depending on your bank or even the payment app you are using (as some apps might have their own internal limits or display bank limits differently).
- Weekly or Monthly Caps: Some banks might implement weekly or monthly caps on UPI transactions instead of, or in addition to, daily limits. This adds another dimension to managing your spending.
Knowing these different ways the UPI transaction limit can vary helps you plan your larger payments and avoid hitting unexpected barriers.
Since bank limits can vary, how do you find out your specific bank UPI limit?
The easiest way is usually through your bank’s official mobile banking app or website. Look for sections related to UPI, payment limits, or FAQs. Most banks clearly state their daily and per-transaction UPI limits there.
Alternatively, you can check the support or FAQ section of the UPI payment app you are using (like Google Pay, PhonePe, Paytm, etc.). While these apps follow NPCI guidelines, they often reflect the limits set by the bank linked to your account. If you can’t find the information online, contacting your bank’s customer care is the most reliable way to confirm your specific bank UPI limit.
Conclusion
UPI is an incredible tool for digital payments in India, offering speed and convenience. However, operating within the defined limits is essential for a smooth experience. You now know that the general UPI limit per day is ₹1 lakh, but this can change based on your bank, the type of
