UPI Transaction Limits in India
Prepared by the IFSC Search Editorial Team • Published: 2026-08-10 • Last Reviewed: 2026-08-18
Regulatory Framework
Unified Payments Interface (UPI) limits are governed by the National Payments Corporation of India (NPCI) and subject to secondary operational caps defined by individual banks. There is no single universal limit; transaction ceilings depend on the payment category, merchant type, and user onboarding tier.
NPCI Statutory Category Limits
| Transaction Category | Maximum Limit per Transaction | Governing NPCI Circular |
|---|---|---|
| Standard Peer-to-Peer (P2P) & Peer-to-Merchant (P2M) | ₹1,00,000 (₹1 Lakh) per day | NPCI General Guidelines |
| Capital Markets, Insurance, Collections & Remittances | ₹2,00,000 (₹2 Lakhs) per transaction | NPCI Circular Ref: NPCI/UPI/OC-83 |
| Hospitals & Educational Institutions (Verified Merchants) | ₹5,00,000 (₹5 Lakhs) per transaction | RBI / NPCI Enhanced Limits |
| Initial Public Offerings (IPO) & RBI Retail Direct Scheme | ₹5,00,000 (₹5 Lakhs) per transaction | NPCI Circular Ref: NPCI/UPI/OC-127 |
| UPI Lite (On-Device Wallet Transfers) | ₹500 per transaction (₹2,000 wallet cap) | NPCI UPI Lite Operating Framework |
Representative Bank-Specific Daily UPI Limits
Note: While NPCI establishes upper macro-limits, individual member banks may set lower internal thresholds for fraud prevention. Check your bank's official schedule of charges and limits.
State Bank of India (SBI)
Daily Limit: ₹1,00,000 | Max Transactions: 10 per day
HDFC Bank
Daily Limit: ₹1,00,000 (₹5,000 for new users in first 24h)
ICICI Bank
Daily Limit: ₹1,00,000 (Overall P2P cap)
Punjab National Bank (PNB)
Daily Limit: ₹1,00,000 | Per Transaction: ₹25,000