UPI Transaction Limit Per Day: GPay, BHIM, PhonePe & Bank Rules Explained

What is UPI?

UPI, or Unified Payments Interface, is a real-time payment system that allows users to transfer money directly from one bank account to another using a mobile phone.

Instead of entering full bank details every time, you can send or receive money using a UPI ID, mobile number, QR code, or linked bank account. Once the account is linked, the payment is completed using a UPI PIN.

The biggest reason UPI is so widely used is convenience. It works around the clock, supports instant money transfer, and can be used for both personal and business payments. Whether you are sending money to a friend or paying a merchant, UPI makes the process quick and simple.

What does the UPI transaction limit per day mean?

The term UPI transaction limit per day refers to the maximum amount you can transfer through UPI in 24 hours, but in practice, it can mean more than one thing.

There can be:

• a per-transaction limit
• a daily limit
• a transaction count limit in 24 hours

This is where people often get confused. A user may think the limit applies only to the total amount allowed in a day, but sometimes a payment fails because the number of successful transactions has already reached the allowed limit.

What is the standard UPI transaction limit per day?

For most regular UPI transfers, the standard limit is up to ₹1 lakh in 24 hours.

This is the most common answer users are looking for when they search for the UPI daily limit. In simple terms, if you are sending money to another person via a standard UPI transfer, the cap is usually ₹1 lakh.

However, that is not the full picture.

In many cases, there is also a limit on how many successful UPI transactions you can make in 24 hours. So even if you have not crossed ₹1 lakh, a payment may still fail because the transaction count has already been exhausted.

Also, not every payment type follows the exact same rule. Some special verified merchant categories can have higher limits than normal transfers. That means the standard ₹1 lakh rule is important, but it should not be treated as the only rule in every situation.

Is the UPI limit the same across all apps?

No, not always. Most UPI apps operate within the same broad payment framework, but the final usable limit can still vary by app and the bank account linked to it.

For example, regular transfers on apps like Google Pay and PhonePe are typically capped at the standard ₹1 lakh UPI limit. But some apps can have stricter operational rules. BHIM, for instance, maintains a lower limit than the general ₹1 lakh benchmark.

This means the app you use does matter, but the bank linked to that app matters just as much. In many cases, the bank decides the final cap that actually applies to your transaction.

So if a UPI payment fails, do not assume the app alone is the reason. The issue may also be coming from your bank’s daily or per-transaction limit.

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

Can you increase your UPI transaction limit?

In most cases, you cannot manually increase your normal UPI limit just by changing a setting in the app.

For regular payments, the limit is usually set by the bank, the payment network, and the transaction type. So if your bank limits the amount you can withdraw per transaction or per day, the app cannot simply override that limit.

However, there are some exceptions. Certain verified merchant categories can support higher-value UPI payments than regular person-to-person transfers. That means a payment above the usual ₹1 lakh cap may still go through in some cases, depending on the category and your bank’s rules.

So the simple answer is this: for regular transfers, you usually cannot increase the limit yourself. But for certain payment categories, a higher limit may already be built into the system.

Important things users should know before making a high-value UPI payment

Before making a large UPI payment, it is better to check a few things rather than assume the transfer will go through.

First, make sure you know whether the payment is a regular transfer or a special merchant payment. That difference can change the limit that applies.

Second, check your linked bank’s UPI cap. Even if the app appears to support a higher amount, your bank may still block the transaction due to its own daily or per-transaction limits.

Third, do not keep retrying a failed payment. A UPI payment can fail due to a lower bank limit, a transaction count cap, a server issue, an incorrect PIN entry, or an app-level restriction. Repeated attempts often make the situation worse rather than solve it.

Finally, if the payment is important and time-sensitive, keep an alternative payment option ready. Using net banking, IMPS, or another linked bank account can save time when a UPI payment fails.

Frequently Asked Questions