<strong>What is the UPI transaction limit per day?</strong>

For most regular UPI transfers, the standard limit is <strong>₹1 lakh in 24 hours</strong>. However, the actual limit can vary depending on your bank, the app you use, and the payment method you use.

UPI Transaction Limit Per Day: Bank-Wise Limits & App Rules

UPI has made sending money quick and easy, but daily transfer limits vary by app, bank, and transaction type. Whether you use PhonePe, GPay, or BHIM, it is important to know how much you can send in a day and how many transactions are allowed. Here’s a clear breakdown of UPI transaction limits across popular apps and banks.

Below is a complete breakdown of PhonePe, GPay, and bank-wise UPI limits.

UPI Daily Transaction Limit (Quick Overview)

Platform / Type	Daily Limit	Transactions per Day
PhonePe limit per day	₹1,00,000	10 – 20
GPay daily limit	₹1,00,000	Up to 10
BHIM UPI limit	₹1,00,000	10 – 20
UPI per transaction limit	₹1,00,000	—

PhonePe Daily Limit Per Day

The PhonePe daily limit depends on your bank’s UPI rules, but in most cases, users can send up to ₹1,00,000 per day through the app. If you are searching for the PhonePe limit per day, PhonePe one-day limit, or PhonePe payment limit, the standard answer is usually ₹1 lakh.

The PhonePe bank transfer limit per day is generally capped at ₹1,00,000, though some banks may impose their own transaction limits. In addition to the total amount, the PhonePe daily transaction limit may also depend on the number of payments you make.

For most users, the PhonePe limit daily is controlled by two factors:

Total transfer amount allowed per day
Maximum number of UPI transactions allowed by the bank

In many cases, banks allow around 10 to 20 UPI transactions per day. So even if you have not reached the full PhonePe payment limit, you may still hit the daily cap because of transaction count restrictions.

PhonePe Bank-Wise UPI Limits

Bank	Daily Limit	Transactions
SBI	₹1,00,000	Up to 10
HDFC Bank	₹1,00,000	Up to 20
ICICI Bank	₹1,00,000	Up to 10
Axis Bank	₹1,00,000	Up to 10

That means the PhonePe bank transfer limit per day may vary slightly depending on the UPI-issuing bank linked to your account.

What is the Daily Limit of GPay?

The GPay daily limit follows standard UPI guidelines but includes stricter transaction caps.

GPay limit per day: ₹1,00,000
Maximum transactions: Up to 10 per day
Per transaction limit: ₹1 lakh

Unlike some apps, GPay uses a 24-hour rolling limit rather than a calendar-day reset.

So if you send money at 2 PM, your GPay limit per day resets at 2 PM the next day.

BHIM UPI Limit Per Day

The BHIM UPI daily limit is set per NPCI guidelines and is similar to other UPI apps like PhonePe and GPay.

BHIM Daily Limit

BHIM UPI limit per day: ₹1,00,000
BHIM transaction limit per day: ₹1 lakh
BHIM per transaction limit: ₹1 lakh

BHIM Transactions Per Day

Maximum transactions: 10–20 per day
Depends on your bank’s UPI rules

BHIM Bank Transfer Limit

The BHIM bank transfer limit per day is controlled by your bank:

SBI: ₹1 lakh, 10 transactions
HDFC: ₹1 lakh, up to 20 transactions
ICICI: ₹1 lakh, 10 transactions

Bank-wise UPI transaction limit

Bank Name	UPI Transaction limit	UPI Transfer Limit (Daily)
Abhyudaya Co-operative Bank	25000	25000
Adarsh Co-op Bank Ltd	50000	50000
Aditya Birla Idea Payments Bank	100000	100000
Airtel Payments Bank	1,00,000	1,00,000
Allahabad Bank	25000	100000
Allahabad UP Gramin Bank	20000	40000
Andhra Bank	100000	100000
Andhra Pradesh Grameena Vikas Bank	25000	100000
Andhra Pragathi Grameena Bank	10000	20000
Apna Sahakari Bank	100000	100000
Assam Gramin VIkash Bank	5000	25000
Axis Bank	100000	100000
Bandhan Bank	100000	100000
Bank Of Baroda	25000	Not set
Bank Of India	10000	100000
Bank of Maharashtra	100000	100000
Baroda Rajasthan Kshetriya Gramin Bank	25000	25000
Baroda Uttar Pradesh Gramin Bank	25000	25000
Bassein Catholic Coop Bank	20000	40000
Bhilwara Urban Co-operative Bank LTD	25000	25000
Canara Bank	10000	25000
Catholic Syrian Bank	100000	100000
Central Bank of India	25000	50000
Chaitanya Godavari Grameena Bank	25000	100000
Chhattisgarh Rajya Gramin Bank	25000	100000
Citibank Retail	100000	100000
City Union Bank	100000	100000
COASTAL LOCAL AREA BANK LTD	50000	1,00,000
Corporation Bank	50000	100000
DBS Digi Bank	100000	100000
DCB Bank	5000	5000
Dena Bank	100000	100000
Dhanlaxmi Bank Ltd	100000	100000
Dombivli Nagari Sahakari Bank	100000	100000
Equitas Small Finance Bank	25000	100000
ESAF Small Finance Bank	100000	100000
Federal Bank	100000	100000
FINO Payments Bank	100000	100000
G P Parsik Bank	100000	100000
HDFC	100000 (RS 5000 for new customer)	100000
Himachal Pradesh Gramin Bank	50,000	50,000
HSBC	100000	100000
Hutatma Sahakari Bank Ltd	100000	No limit
ICICI Bank	10000 (25000 for Google Pay users)	10000 (25000 for Google Pay users)
IDBI Bank	25000	50000
IDFC	100000	100000
India Post Payment Bank	25000	50000
Indian Bank	100000	100000
Indian Overseas Bank	10000	20000
IndusInd Bank	100000	100000
J&K Grameen Bank	20,000	20,000
Jalgaon Janata Sahakari Bank	100000	100000
Jammu & Kashmir Bank	20000	20000
Jana Small Finance Bank	10000	40000
Janata Sahakari Bank Pune	100000	100000
Jio Payments Bank	100000	100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.	25000	200000
Karnataka Bank	100000	200000
Karnataka vikas Gramin Bank	25000	25000
Karur Vysya Bank	100000	100000
Kashi Gomti Samyut Gramin Bank	100000	100000
Kaveri Grameena Bank	25000	25000
Kerala Gramin Bank	20000	20000
Kotak Mahindra Bank	100000	100000
Langpi Dehangi Rural Bank	10000	100000
Madhya Bihar Gramin Bank	25000	100000
Maharashtra Gramin Bank	25000	100000
Maharashtra state co opp Bank	5000	50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)	10000	25000
Manipur Rural Bank	10000	10000
Maratha co opp Bank	100000	100000
Meghalaya Rural Bank	100000	100000
Mizoram Rural Bank	25000	100000
NKGSB CO-Op. Bank Ltd.	20000	40000
Oriental Bank of Commerce	100000	100000
Paschim Banga Gramin Bank	5000	25000
Paytm Payments Bank	100000	100000
Pragathi Krishna Gramin Bank	20000	20000
Prathama Bank	10000	50000
Punjab and Maharashtra Co. bank	100000	100000
Punjab and Sind Bank	10000	10000
Punjab Gramin Bank	10000	25000
Punjab National Bank	25000	50000
Purvanchal Bank	25000	100000
Rajasthan Marudhara Gramin Bank	25000	25000
Rajkot Nagari Sahakari Bank Ltd	100000	100000
Samruddhi Co-op bank ltd	100000	100000
Sarva Haryana Gramin Bank	50,000	1,00,000
Sarva UP Gramin Bank	50000	100000
Saurashtra Gramin Bank	20000	100000
Shree Kadi Nagarik Sahakari Bank Ltd.	100000	100000
South Indian Bank	100000	100000
Standard Chartered	100000	100000
State Bank Of India	100000	100000
Suco Souharda Sahakari bank	100000	100000
Suryoday Small Finance Bank Ltd	100000	100000
Suvarnayug Sahakari Bank ltd	100000	100000
Syndicate Bank	10000	100000
Tamilnadu Mercantile Bank	20000	100000
Telangana Gramin Bank	25000	100000
Telangana State Cooperative Apex Bank	10000	1,00,000
Thane Bharat Sahakari Bank	100000	100000
The Cosmos Co-Operative Bank LTD	10000	50000
The Co-Operative Urban Bank	25000	25000
The Ahmedabad District Co-operative Bank Ltd	10000	25000
The Ahmedabad Mercantile Co-op Bank Ltd	100000	100000
The Andhra Pradesh state cooperative	10000	100000
The Baroda Central Co-operative bank ltd.	15000	100000
The Gujarat State Co-operative Bank Limited	50000	100000
The Hasti Co-operative Bank Ltd	100000	100000
The KalyaCo-opapplya Sahkari Bank	100000	100000
The Lakshmi Vilas Bank Limited	100000	100000
The Mahanagar Co-Op. Bank Ltd	25000	50000
The Malad Sahakari Bank Ltd.	10000	50000
The Mehsana Urban Co-Operative Bank	100000	100000
The Municipal Co-op Bank Ltd.	5000	50000
The Muslim Co-Operative Bank Ltd	100000	100000
The Nainital Bank Ltd	20000	40000
The Ratnakar Bank Limited	25000	25000
The Saraswat Co-Operative Bank	100000	100000
The Surat Peoples Co-Op. Bank Ltd	25000	100000
The Sutex Co-op Bank	100000	100000
The SVC Co-Operative Bank Ltd	10000	20000
The Thane Janta Sahakari Bank Ltd (TJSB)	100000	100000
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd	100000	100000
The Udaipur Mahila Urban Co-op Bank Ltd	100000	100000
The Urban Cooperative Bank Ltd Dharangaon	20000	25000
The Varachha Co-op Bank Ltd.	20000	40000
The Vijay Cooperative Bank Ltd	20000	200000
The Vishweshwar Sahakari Bank Ltd	100000	100000
Tripura Gramin Bank	10000	10000
UCO Bank	100000	100000
Ujjivan Small Finance Bank Limited	50000	100000
Union Bank of India	100000	200000
United Bank of India	25000	60000
Uttarakhand Gramin Bank	25000	100000
Vananchal Gramin Bank	20000	20000
Vasai Vikas Co-op Bank Ltd	100000	100000
Vijaya Bank	25000	50000
Yes Bank	100000	100000

Frequently Asked Questions

What is the UPI transaction limit per day?

For most regular UPI transfers, the standard limit is ₹1 lakh in 24 hours. However, the actual limit can vary depending on your bank, the app you use, and the payment method you use.

Can I send more than ₹1 lakh through UPI?

Yes, in some cases. Higher UPI limits may apply for certain eligible payment categories, but for regular person-to-person transfers, the standard ₹1 lakh limit is still the most common rule.

Why is my UPI payment failing even below the limit?

A payment can fail even below the limit due to bank-side restrictions, transaction count limits, server issues, incorrect UPI PIN entry, or app-level checks. So the problem is not always the amount alone.

Do banks have different UPI limits?

Yes, banks can have different UPI limits. Some follow the standard ₹1 lakh cap, while others may keep a lower per-transaction limit, a lower daily limit, or both.

Can I increase my UPI transaction limit?

In most cases, no. For regular UPI payments, the limit is usually decided by the bank and the payment type, so users generally cannot increase it manually from the app.