UPI limit per day: ₹1 lakh for most payments, and up to ₹10 lakh a day for some categories.

The National Payments Corporation of India (NPCI) and the Reserve Bank of India set the ceilings; your bank and app can set lower ones. For ordinary person-to-person (P2P) and person-to-merchant payments the limit is ₹1 lakh per transaction, as the RBI stated in its policy statement of 9 April 2025. Since 15 September 2025, NPCI allows up to ₹5 lakh per transaction and ₹10 lakh a day for payments such as capital markets, insurance, travel and loan collections.

NPCI and RBI UPI limits by category

Payment type Per transaction Per day In force from Rule
Person-to-person (P2P) ₹1 lakh — — RBI Statement on Developmental and Regulatory Policies, 9 Apr 2025
Person-to-merchant (P2M), standard ₹1 lakh — — RBI Statement on Developmental and Regulatory Policies, 9 Apr 2025
Capital markets (MCC 6211) ₹5 lakh ₹10 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Insurance (MCC 5960, 6300, 6529) ₹5 lakh ₹10 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Government e-Marketplace – EMD payments (MCC 9311) ₹5 lakh ₹10 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Travel (MCC 4722) ₹5 lakh ₹10 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Credit card bill payments (MCC 5413) ₹5 lakh ₹6 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Collections incl. loan/EMI collections (MCC 7322) ₹5 lakh ₹10 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Business/Merchant payments incl. pre-approved payments (payer MCC not 0000; purpose code 20 or 15) ₹5 lakh — 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Jewellery (MCC 5944) ₹2 lakh ₹6 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Foreign exchange – FX Retail via BBPS (purpose code BF) ₹5 lakh ₹5 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Digital account opening for term deposits (new MCC 7410; purpose code 01 for One Time Mandate) ₹5 lakh ₹5 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Digital account opening – initial funding (new MCC 7409) ₹2 lakh ₹2 lakh 15 September 2025 NPCI/UPI/2025-26/OC/185B dated 28 Aug 2025
Tax payments (MCC 9311) ₹5 lakh — 15 September 2024 NPCI/UPI/2024-25/OC/185A dated 24 Aug 2024
UPI Lite ₹1,000 — 4 December 2024 RBI/2024-25/93 CO.DPSS.POLC.No.S908/02-14-003/2024-25 dated 4 Dec 2024; NPCI OC 169A dated 27 Feb 2025
UPI 123Pay ₹10,000 — — RBI Governor’s Statement 9 Oct 2024; NPCI/UPI/OC-209/2024-25 dated 25 Oct 2024
UPI Circle – full delegation (secondary user) — ₹15,000 per month — NPCI/UPI/OC No.201/2024-25 dated 13 Aug 2024
UPI Circle – IoT devices/software (full delegation) ₹5,000 ₹15,000 per month (per delegation) 8 October 2025 NPCI/UPI/OC-201B/2025-26 dated 8 Oct 2025
UPI AutoPay – recurring execution without AFA ₹15,000 (₹1 lakh for specified MCCs) — 12 December 2023 RBI/2023-2024/88 CO.DPSS.POLC.No.S-882/02.14.003/2023-24 dated 12 Dec 2023; NPCI OC 151A; UPI Consolidated Circular of 18 Sep 2026, para 14
UPI Tap & Pay on PoS terminals – without UPI PIN ₹5,000 (UPI PIN on the terminal above that) — 10 September 2026 NPCI press release dated 10 Sep 2026

Rules issued by the RBI are cited by name and date; they are published on the RBI’s website. UPI Lite also holds a wallet balance of up to ₹5,000 at any time. NPCI’s UPI Consolidated Circular of 18 September 2026 combines its operating circulars issued up to 31 July 2026 and states that it does not alter any fee, charge, effective date, compliance timeline or technical requirement set in them; the limits above are unchanged. Last checked against NPCI and RBI sources: 7 November 2026.

UPI limits set by banks

Banks can set their own daily amount and count, and many apply a ₹5,000 limit for the first 24 hours after a new registration or a UPI PIN reset. These figures come from each bank’s own page; a bank that does not publish its limit is not listed.

Bank Per day Per transaction Transactions a day New users or PIN reset
State Bank of India ₹1,00,000 ₹1,00,000 20 (P2P); no count limit for P2M ₹5,000 first 24h (Android); ₹5,000/day for first 5 days (iOS), after PIN set/reset
ICICI Bank ₹1 lakh ₹1 lakh 10 (in 24 hours from first transaction) —
Axis Bank — ₹1,00,000 — —
Kotak Mahindra Bank ₹1 lakh — 20 (BHIM UPI FAQ) vs 10 (help centre) – conflicting —
Punjab National Bank — ₹1 lakh — —
Bank of Baroda ₹1,00,000 ₹1,00,000 20 ₹5,000 for first transaction after set/reset PIN
Canara Bank ₹1,00,000 — 20 (P2P) ₹5,000 first 24h (Android); ₹15,000 over first 72h, max ₹5,000 per 24h (iOS)
Union Bank of India — ₹1 lakh (₹2 lakh / ₹5 lakh for specific MCCs) 20 (P2P & P2M) ₹5,000 in first 24 hours
Federal Bank ₹1,00,000 (24-hour cycle) — 10 (P2P) ₹5,000 first transaction and aggregate ₹5,000 for 24h; also after every PIN set/reset

UPI app limits

App Per day Count
Google Pay ₹1 lakh per bank account in last 24 hours (P2P) 20 successful payments in 24 hours; 150 in 30 days (P2P)

Questions

What is the UPI limit per day?

₹1 lakh for ordinary payments to people and shops, unless your bank sets a lower figure. Categories such as capital markets, insurance, travel and loan repayments allow up to ₹5 lakh per transaction and up to ₹10 lakh a day under NPCI’s rules from 15 September 2025.

How many UPI transactions can I make in a day?

NPCI does not publish a single count limit. Banks and apps set it: Google Pay and several banks allow 20 person-to-person payments in 24 hours, while ICICI Bank and Federal Bank state 10.

What is the UPI Lite limit?

₹1,000 per payment, with a wallet balance of up to ₹5,000, under the RBI’s circular of 4 December 2024.

Read how a UPI payment moves from scan to confirmation in what happens after you scan a UPI QR code, and see all money tools.