UPI transaction limit is something most people only think about when a payment fails, especially during important purchases, bills, or transfers. In 2025, these limits have changed, with the NPCI (National Payments Corporation of India) raising the daily transaction limits for some payment categories, from September 15, 2025. So whether you’re a regular user or just starting out, it’s useful to know what applies.

Let’s understand the recent changes in UPI transaction limits together so that you can make transactions through your UPI app confidently.

What is UPI?

UPI stands for Unified Payments Interface. It’s the quickest way to send money in India, using nothing but your mobile number, a UPI app, and the bank account you already have. With UPI, you can pay shopkeepers, buy groceries, send cash to family or even settle fees instantly. This system is safe, widely accepted and, on most days, works without any hassle.

Common Transaction Limits

Most of us deal with three kinds of limits:

• Daily cap: This is the maximum amount you can send in one day using UPI.
• Per-transaction cap: This is the highest amount allowed in a single payment.
• Monthly limit: Some financial institutions put a ceiling on total transactions for the whole month, though UPI itself does not always set this.

Maximum Transactions Per Day and Month

UPI users can now make up to 20 outgoing transactions each day. And the most appealing part of all this is that there is no minimum transaction size. But the standard UPI daily cap set by the NPCI, the organisation behind UPI, is ₹1,00,000. This means you can send up to one lakh rupees in a day. The per-transaction cap is also usually ₹1,00,000.

Some financial institutions also set a weekly or monthly cap. So reach out to your financial institution to learn about their specific limits.

What are the Recent Changes in UPI Transaction Limits?

Let’s quickly take a look at the latest changes to UPI transaction limits for different payment and transaction types.

Insurance, Capital Markets, Government Portals

For some payments, like insurance, capital markets, government e-marketplaces, travel and business/merchant-related transactions, you can now transfer up to ₹5,00,000 in one go. The daily cumulative limit for these categories has also increased to ₹10,00,000.

Travel and Business/Merchant Transactions

For travel bookings and business or merchant payments, the per-transaction limit is also ₹5,00,000. These categories have the total daily limit set at ₹10,00,000 as well.

EMI, Loan and B2B Payments

If you’re making EMI, loans and B2B payments, the daily cumulative transaction cap jumps to up to ₹1,00,000. Other categories, like credit card bill payments, etc., have a per-transaction cap of ₹5,00,000. And the daily cap for the same is now up to ₹6,00,000.

Jewellery

You can now buy gold and other jewellery items more easily using UPI. There is a jump in the transaction limit, with up to ₹2 for each transaction. The daily limit for these transactions is capped at ₹6 lakhs.

Education, Hospitals and Others

If you need to make big payments to colleges, schools, hospitals and IPO applications/RBI schemes, the limit is now up to ₹5 lakh per transaction. This makes UPI one of the more reliable and faster tool for institutional payments.

Bank-Specific Rules

Having said that, here’s something else you need to keep in mind. Banks may follow their own limits though. Some allow fewer transactions per day (say, 10 instead of 20) or set a max limit lower or higher than NPCI’s base limits. Always check with your financial institution for the exact details.

So When Do UPI Transaction Charges Step In?

Charges only come into the picture for a few wallet-based merchant transactions. If you’re purchasing anything above ₹2,000 with a digital wallet linked to UPI (Prepaid Payment Instrument, or PPI), a 0.5%–1.1% interchange fee will be applied. Wallet issuers will also have to pay 0.15% service charge to banks when a wallet has been loaded with an amount above ₹2,000.

But don’t worry! This is not something that a customer has to bear. The merchant covers it. Also, payments from bank accounts to merchants are not charged this interchange.

Here’s a clearer look at the interchange fee ranges—

• Fuel payments — 0.5%
• Utilities, telecom, education-related expenses, agriculture, post office — 0.7%
• Supermarkets — 0.9%
• Insurance, mutual funds, government service and railways — 1%

What is a PPI Transaction?

Coming across the term PPI for the first time? A PPI is essentially a wallet, something like Paytm, Freecharge, Amazon Pay, etc. When you load these wallets and use them to make payments, the merchant pays an interchange fees on high-value transactions. But standard UPI to bank transfers remain unaffected.

New UPI Security and Rules in 2025

NPCI’s updated rules are much more than just transaction limits. Thet also include new safety and process features.

• You can check you balance up to 50 times each day. And what happens if you exceed the limit? You will be blocked for 24 hours on that UPI app.
• You can link up to 25 accounts each day on each app.
• Real-time balance will be shown to you automatically after each successful UPI transaction.
• UPI apps now must also display the payee’s registered bank name before every transfer. This is to ensure transparency and minimal fraud.
• Finally, you can only check the status of your pending transaction 3 times every transaction. There should also be a mandatory 90-second interval between each attempt.

Are Personal UPI Transactions Still Free?

One major relief is that there are still no extra charges that customers have to pay for personal UPI transactions. From sending rent to your house owner to buying things online—personal transactions remain free of cost.

Are Limits Different for New Users?

If you’re new to UPI, your UPI transaction limit may be lower for the first few days. Financial institutions call this a “cooling period,” usually lasting a week or so.

During this time, you might only be able to make payments up to ₹5,000 a day. Once you start using UPI more often with successful payments, most financial institutions raise your limits automatically.

Why Are These Limits Set?

NPCI and the Reserve Bank of India (RBI) set these UPI transaction limits as protection against fraud and system overloads. Financial institutions have the power to change limits to keep users and their money safe. So what these checks do is help make sure no payment gets stuck or delayed.

Common Reasons Payments Fail

If you get a message saying “limit reached” or “transaction failed,” it could mean:

• You’ve hit your daily cap.
• You’ve tried to send more than the per-transaction cap.
• You made too many transactions in 24 hours.
• Your financial institution has different rules than NPCI’s standard ones.

Most UPI apps show your remaining limit, but if not, customer care is there to help.

What to Do if You Need to Pay More

Split one big payment into smaller parts. Use NEFT or RTGS for transfers above the UPI cap. If you’re a new user, wait for the cooling period to end. And for special payments (like government fees or IPOs), check if higher limits apply.

Tips for Safe and Easy Payments

UPI is safe because every transaction needs authentication. Use your own phone, keep your UPI PIN secret and don’t share codes with anyone. Update your UPI app regularly for smooth payments. If a payment fails due to limits, wait till the next day or try a smaller amount.

And the most important of all? Trust only reputed and credible UPI apps like Shriram One. Many users trust UPI payments through Shriram One app as it offers a simple interface for sending and receiving money instantly, with a hoard of helpful features to track transactions and manage payments securely. Plus, with a range of payment options—from daily bills to credit card payments— UPI transactions using Shriram One are now convenient and accessible even in smaller towns and cities.

Final Thoughts

UPI transaction limits make digital payments safer and easier to manage. Most people never really hit the cap. But it doesn't hurt to know your daily and per-transaction limits—especially for things like higher bills or business payments. Even if you bump into a limit, there are simple solutions. UPI’s reach is growing, and with updated limits in 2025, sending money has become even easier, quicker, and safer for people across India, no matter where you live.

FAQs

1. What is the new daily transaction limit for UPI payments?

For most regular UPI payments, the daily limit is still ₹1 lakh. But if you’re paying for things like insurance, investments, government bills or travel, you can now pay up to ₹10 lakhs in a day. This is quite a big jump that helps you with bigger expenses.

2. Has the per-transaction limit increased too?

For regular payments, it remains ₹1 lakh per transaction. But for special payment categories such as capital markets, insurance, and government payments, the per-transaction limit is now ₹5 lakhs. So now you won’t have to split big payments as often.

3. Are these higher limits for everyone?

No, not everyone gets these higher limits. Mostly, they’re for verified merchants and certain kinds of payments. For everyday transfers between people—like you sending money to a friend or family—the limit is still ₹1 lakh per day and per transaction. If you’re new to UPI, expect lower limits at first. But once you’re verified and using your account regularly, those limits go up.

4. What can I do if I use the Shriram One app?

If you use the Shriram One app for UPI payments, it follows all these updated rules. The app makes it easy to handle payments—big or small—and keeps track of your limits. New users on Shriram One may have to start with smaller limits. But you can enjoy higher caps as you use the app more safely.