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UPI Transaction limit Per Day – GPay, BHIM, PhonePe

Unified Payments Interface (UPI) has changed the face of money transactions in India. In the initial days of the Covid-19 pandemic, when people were panicking and making emergency withdrawals, UPI was a saviour. It helped people overcome their worries about money and make and receive payments effortlessly.

What is UPI?

UPI is a digital instant payment system developed by the National Payments Corporation of India (NPCI), which is regulated by the RBI. It allows you to transfer money between two accounts. It uses the Immediate Payment Service (IMPS) infrastructure that allows interbank electronic fund transfer 24*7 right from your mobile device.

Important Features Of UPI

UPI offers many beneficial features

  1. A user needs to provide their bank details only once while registering their UPI ID.
  2. If users have accounts in different banks, they can operate these accounts using a single app.
  3. A user can transfer up to INR 1 lakh in a single transaction.
  4. A user can schedule transactions such as bills and rents for convenience.
  5. A user can use UPI to transfer funds 24*7.
  6. All UPI transactions are linked to a user’s Aadhar Card.
  7. Each transaction occurs after multiple security checks.
  8. A user can transfer funds with one click.

General Limit For UPI Transactions

The NPCI has stipulated a limit for UPI transactions. The current UPI transaction limit is INR 1 lakh. This means that you can make a UPI transaction of up to 1 lakh in a single transaction. 

In March 2020, however, the NPCI issued a circular stating that the UPI transaction limit is INR 2 lakh for verified merchants. Hence, you can transfer up to INR 2 lakh in a single UPI transaction. However, this increase does not apply to other peer-to-peer (P2P) transactions like NEFT.

Similarly, the total number of UPI transactions per day is typically limited to 20. This limit varies across banks. 

UPI Transaction Limit Bank-Wise

The NCPI mandated each bank to set its own UPI transaction limits. While some banks use this feature to allow their customers to transfer as many funds as they want (under INR. 1 lakh), some banks have reduced the transaction limit to protect their customers from illegal withdrawals in case of device theft. 

Hence, the UPI transaction limit is different for different banks. It could be INR 10,000 to INR 1 lakh. If your bank allows you to transfer INR 50,000 a day in not more than five transactions, you will not be able to exceed the amount or number of transactions.

Bank NameUPI Transaction limitUPI Transfer Limit (Daily)
Abhyudaya Co-operative Bank2500025000
Adarsh Co-op Bank Ltd5000050000
Aditya Birla Idea Payments Bank100000100000
Airtel Payments Bank1,00,0001,00,000
Allahabad Bank25000100000
Allahabad UP Gramin Bank2000040000
Andhra Bank100000100000
Andhra Pradesh Grameena Vikas Bank25000100000
Andhra Pragathi Grameena Bank1000020000
Apna Sahakari Bank100000100000
Assam Gramin VIkash Bank500025000
Axis Bank100000100000
Bandhan Bank100000100000
Bank Of Baroda25000Not set
Bank Of India10000100000
Bank of Maharashtra100000100000
Baroda Rajasthan Kshetriya Gramin Bank2500025000
Baroda Uttar Pradesh Gramin Bank2500025000
Bassein Catholic Coop Bank2000040000
Bhilwara Urban Co-operative Bank LTD2500025000
Canara Bank1000025000
Catholic Syrian Bank100000100000
Central Bank of India2500050000
Chaitanya Godavari Grameena Bank25000100000
Chhattisgarh Rajya Gramin Bank25000100000
Citibank Retail100000100000
City Union Bank100000100000
COASTAL LOCAL AREA BANK LTD500001,00,000
Corporation Bank50000100000
DBS Digi Bank100000100000
DCB Bank50005000
Dena Bank100000100000
Dhanlaxmi Bank Ltd100000100000
Dombivli Nagari Sahakari Bank100000100000
Equitas Small Finance Bank25000100000
ESAF Small Finance Bank100000100000
Federal Bank100000100000
FINO Payments Bank100000100000
G P Parsik Bank100000100000
HDFC100000
(RS 5000 for new customer)
100000
Himachal Pradesh Gramin Bank50,00050,000
HSBC100000100000
Hutatma Sahakari Bank Ltd100000No limit
ICICI Bank10000
(25000 for Google Pay users)
10000
(25000 for Google Pay users)
IDBI Bank2500050000
IDFC100000100000
India Post Payment Bank2500050000
Indian Bank100000100000
Indian Overseas Bank1000020000
IndusInd Bank100000100000
J&K Grameen Bank20,00020,000
Jalgaon Janata Sahakari Bank100000100000
Jammu & Kashmir Bank2000020000
Jana Small Finance Bank1000040000
Janata Sahakari Bank Pune100000100000
Jio Payments Bank100000100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.25000200000
Karnataka Bank100000200000
Karnataka vikas Gramin Bank2500025000
Karur Vysya Bank100000100000
Kashi Gomti Samyut Gramin Bank100000100000
Kaveri Grameena Bank2500025000
Kerala Gramin Bank2000020000
Kotak Mahindra Bank100000100000
Langpi Dehangi Rural Bank10000100000
Madhya Bihar Gramin Bank25000100000
Maharashtra Gramin Bank25000100000
Maharashtra state co opp Bank500050000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)1000025000
Manipur Rural Bank1000010000
Maratha co opp Bank100000100000
Meghalaya Rural Bank100000100000
Mizoram Rural Bank25000100000
NKGSB CO-Op. Bank Ltd.2000040000
Oriental Bank of Commerce100000100000
Paschim Banga Gramin Bank500025000
Paytm Payments Bank100000100000
Pragathi Krishna Gramin Bank2000020000
Prathama Bank1000050000
Punjab and Maharashtra Co. bank100000100000
Punjab and Sind Bank1000010000
Punjab Gramin Bank1000025000
Punjab National Bank2500050000
Purvanchal Bank25000100000
Rajasthan Marudhara Gramin Bank2500025000
Rajkot Nagari Sahakari Bank Ltd100000100000
Samruddhi Co-op bank ltd100000100000
Sarva Haryana Gramin Bank50,0001,00,000
Sarva UP Gramin Bank50000100000
Saurashtra Gramin Bank20000100000
Shree Kadi Nagarik Sahakari Bank Ltd.100000100000
South Indian Bank100000100000
Standard Chartered100000100000
State Bank Of India100000100000
Suco Souharda Sahakari bank100000100000
Suryoday Small Finance Bank Ltd100000100000
Suvarnayug Sahakari Bank ltd100000100000
Syndicate Bank10000100000
Tamilnadu Mercantile Bank20000100000
Telangana Gramin Bank25000100000
Telangana State Cooperative Apex Bank100001,00,000
Thane Bharat Sahakari Bank100000100000
The Cosmos Co-Operative Bank LTD1000050000
The Co-Operative Urban Bank2500025000
The Ahmedabad District Co-operative Bank Ltd1000025000
The Ahmedabad Mercantile Co-op Bank Ltd100000100000
The Andhra Pradesh state cooperative10000100000
The Baroda Central Co-operative bank ltd.15000100000
The Gujarat State Co-operative Bank Limited50000100000
The Hasti Co-operative Bank Ltd100000100000
The KalyaCo-opapplya Sahkari Bank100000100000
The Lakshmi Vilas Bank Limited100000100000
The Mahanagar Co-Op. Bank Ltd2500050000
The Malad Sahakari Bank Ltd.1000050000
The Mehsana Urban Co-Operative Bank100000100000
The Municipal Co-op Bank Ltd.500050000
The Muslim Co-Operative Bank Ltd100000100000
The Nainital Bank Ltd2000040000
The Ratnakar Bank Limited2500025000
The Saraswat Co-Operative Bank100000100000
The Surat Peoples Co-Op. Bank Ltd25000100000
The Sutex Co-op Bank100000100000
The SVC Co-Operative Bank Ltd1000020000
The Thane Janta Sahakari Bank Ltd (TJSB)100000100000
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd100000100000
The Udaipur Mahila Urban Co-op Bank Ltd100000100000
The Urban Cooperative Bank Ltd Dharangaon2000025000
The Varachha Co-op Bank Ltd.2000040000
The Vijay Cooperative Bank Ltd20000200000
The Vishweshwar Sahakari Bank Ltd100000100000
Tripura Gramin Bank1000010000
UCO Bank100000100000
Ujjivan Small Finance Bank Limited50000100000
Union Bank of India100000200000
United Bank of India2500060000
Uttarakhand Gramin Bank25000100000
Vananchal Gramin Bank2000020000
Vasai Vikas Co-op Bank Ltd100000100000
Vijaya Bank2500050000
Yes Bank100000100000

UPI AutoPay Feature 

Most UPI apps have a provision that allows users to schedule their payments. NPCI created this feature to help UPI users pay recurring payments such as electricity bills, EMI, OTT subscription charges, rent, etc. This feature is called AutoPay. 

The UPI and NPCI websites have not declared whether or not these charges will be included in the UPI transaction limits.

UPI Transaction Limits On Different UPI-Enabled Apps

As with banks, different UPI apps have different transaction limits.

  • UPI Transaction Limit On Google Pay

Google Pay or GPay is one of the most commonly used UPI apps. These are the different UPI transaction limits in this app:

  • A user can transfer up to INR 1 lakh in one day in a single transaction.
  • A user can transfer funds up to 10 times across all UPI apps.
  • A user can request up to INR 2,000 from other parties.
  • UPI Transaction Limit On Phonepe

PhonePe is a popular UPI app that allows instant payment across different channels. These are the different UPI transaction limits for this app:

  • A user can transfer up to INR 1 lakh in one day in a single transaction.
  • A user can transfer funds up to 20 times across all UPI apps.
  • A user can request up to INR 2,000 per day.
  • UPI Transaction Limit On BHIM App

The Government of India launched the Bharat Interface for Money (BHIM) app to facilitate easy fund transfers. It allows fund transfers even if the users have a basic mobile device that does not support internet connectivity. Here are the different UPI transaction limits for this app:

  • A user can send up to INR 1 lakh per day in a single transaction.
  • A user can transfer funds up to 10 times per day across all UPI apps.
  • In case of offline transfers, the receiver should also have an active BHIM account.

UPI has made everyone’s life extremely easy. There is no need for you to carry cash every time you step out or cancel a purchase because you do not have enough liquid cash. Within the UPI transaction limit, you can perform any transaction. 

Moreover, with the UPI AutoPay feature, there is little chance of you having to miss out on a payment. This will enable you to enjoy uninterrupted services. 

UPI, along with NEFT and RTGS, has revolutionised the world of money transfer. It is also a matter of pride that India is the first country that has implemented UPI and has advanced this platform in so many ways. When used properly, UPI can grant you unending freedom.

FAQs on UPI transactions

What permissions are required to use UPI apps?

You must have a bank account with a registered bank on the UPI network. Your mobile number should be registered with the bank. When you download a UPI app using a device that has the same phone number, the bank will send you a One-Time Password (OTP). After you verify the app using the OTP, a Virtual Payment Address (VPA) will be created.

Is a separate KYC required to use the UPI feature?

UPI does not need a separate KYC.

Can I reduce the existing UPI transaction limit?

Certain banks allow their customers to limit their transaction amount and the number of transactions. You can find this out by visiting your bank’s website.

What are the charges levied on the UPI transactions?

There are no charges for UPI transactions.

What is the UPI limit for international transactions?

You cannot make international transactions on UPI platforms.

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