UPI Transaction Limit: Why Do Payments Fail Even When You Have Enough Balance?
UPI payments have become a part of everyday life, whether you’re paying a friend, shopping online, or settling utility bills. But every UPI transaction comes with certain limits set by the National Payments Corporation of India (NPCI) and your bank.
Explore the latest UPI transaction limits, including daily, weekly, monthly, bank-wise, and special limits.
What Is the UPI Transaction Limit?
The transaction limit of UPI is the maximum amount you can transfer through UPI within a specified period.
The standard UPI transaction limit in India for most person-to-person transfers is ₹1,00,000 per day, although individual banks may set lower limits.
| Transaction Type | Limit |
| Standard UPI transaction limit | ₹1,00,000 |
| Limit window | Rolling 24 hours |
| Applicable for | Person-to-Person (P2P) transfers |
What Is the UPI Transaction Limit Per Day?
The standard UPI transaction limit per day is ₹1 lakh for regular peer-to-peer (P2P) and merchant transactions across most UPI apps. In addition to the amount limit, users can generally make up to 20 UPI transactions in 24 hours. However, the exact limit may vary depending on your bank and the UPI app you use.
Is There a UPI Transaction Limit Per Week?
There is no standard NPCI weekly UPI transaction limit. While NPCI does not prescribe a weekly cap, some banks may set their own internal weekly transaction limits based on their policies and account types.
Is There a UPI Transaction Limit Per Month?
There is no standard NPCI monthly UPI transaction limit. Most banks rely on daily transaction limits, but some may impose cumulative monthly caps for specific account types or customer categories
Special UPI Transaction Limits
Certain UPI transactions have higher limits of up to ₹5 lakh for eligible merchant categories. These enhanced limits may vary depending on your bank and the merchant.
- Capital Markets: Up to ₹5 lakh
- Insurance Premiums: Up to ₹5 lakh
- Foreign Inward Remittances: Up to ₹5 lakh
- IPO Subscriptions: Up to ₹5 lakh
- Education Fees: Up to ₹5 lakh
- Hospital and Healthcare: Up to ₹5 lakh
- Government Payments: Up to ₹5 lakh
- Tax Payments: Up to ₹5 lakh
- Credit Card Bill Payments: Up to ₹5 lakh
- Standard P2P and P2M Transactions: Up to ₹1 lakh
Besides knowing the UPI transaction limit, it’s also helpful to understand how a VPA (Virtual Payment Address) in UPI works, as every UPI transaction is made using a unique VPA instead of your bank account number.
Bank-wise UPI Transaction Limits
| UPI Transaction Limit | UPI Daily Limit | Banks |
| ₹1,00,000 | ₹1,00,000 | Axis Bank, HDFC Bank, ICICI Bank, IDFC First Bank, Kotak Mahindra Bank, Yes Bank, SBI, Canara Bank, Central Bank of India, Union Bank of India, UCO Bank, Indian Bank, Bank of Maharashtra, Federal Bank, IndusInd Bank, South Indian Bank, Karur Vysya Bank, City Union Bank, Dhanlaxmi Bank, ESAF Small Finance Bank, FINO Payments Bank, Airtel Payments Bank, Aditya Birla Idea Payments Bank, Jio Payments Bank, Paytm Payments Bank and several other banks. |
| ₹25,000 | ₹1,00,000 | Andhra Pradesh Grameena Vikas Bank, Chaitanya Godavari Grameena Bank, Chhattisgarh Rajya Gramin Bank, Madhya Bihar Gramin Bank, Maharashtra Gramin Bank, Mizoram Rural Bank, Purvanchal Bank, Telangana Gramin Bank, Uttarakhand Gramin Bank, Andhra Pradesh Grameena Vikas Bank, The Surat People’s Co-Op Bank Ltd, Equitas Small Finance Bank and others. |
| ₹50,000 | ₹1,00,000 | Corporation Bank, Coastal Local Area Bank, Indian Overseas Bank, Sarva Haryana Gramin Bank, Sarva UP Gramin Bank, Ujjivan Small Finance Bank, The Gujarat State Co-Operative Bank Ltd and others. |
| ₹25,000 | ₹50,000 | India Post Payments Bank, Punjab National Bank, Vijaya Bank, The Mahanagar Co-Op Bank Ltd and others. |
| ₹25,000 | ₹25,000 | Abhyudaya Co-operative Bank, Baroda Rajasthan Kshetriya Gramin Bank, Baroda Uttar Pradesh Gramin Bank, Bhilwara Urban Co-operative Bank, Karnataka Vikas Grameena Bank, Kaveri Grameena Bank, Rajasthan Marudhara Gramin Bank, The AP Mahesh Co-operative Urban Bank, The Ratnakar Bank Ltd and others. |
| ₹20,000 | ₹20,000 | Jammu & Kashmir Bank, J&K Grameen Bank, Kerala Gramin Bank, Pragathi Krishna Gramin Bank, Vananchal Gramin Bank. |
| ₹10,000 | ₹1,00,000 | Bank of India, Langpi Dehangi Rural Bank, Syndicate Bank, Telangana State Co-operative Apex Bank, The Andhra Pradesh State Co-operative Bank and others. |
| ₹10,000 | ₹50,000 | Prathama Bank, The Cosmos Co-operative Bank, The Malad Sahakari Bank Ltd. |
| ₹10,000 | ₹25,000 | Malwa Gramin Bank, Punjab Gramin Bank, The Ahmedabad District Co-operative Bank Ltd. |
| ₹10,000 | ₹20,000 | Andhra Pragathi Grameena Bank, The SVC Co-operative Bank Ltd. |
| ₹10,000 | ₹10,000 | Manipur Rural Bank, Punjab & Sind Bank, Tripura Gramin Bank. |
| ₹20,000 | ₹40,000 | Allahabad UP Gramin Bank, Bassein Catholic Co-op Bank, NKGSB Co-op Bank, Jana Small Finance Bank, The Nainital Bank, The Varachha Co-op Bank and others. |
| ₹5,000 | ₹25,000 | Assam Gramin Vikash Bank, Paschim Banga Gramin Bank. |
| ₹5,000 | ₹50,000 | Maharashtra State Co-op Bank, The Municipal Co-op Bank Ltd. |
| ₹5,000 | ₹5,000 | DCB Bank. |
| ₹1,00,000 | ₹2,00,000 | Karnataka Bank, Union Bank of India. |
How to Increase UPI Limit
You cannot manually increase the NPCI-prescribed daily limit for standard UPI transfers. However, if your bank has set a lower transaction limit, you may be able to increase it through your banking app or internet banking portal.
Steps to increase your UPI limit:
- Open your bank’s mobile or internet banking portal.
- Go to UPI Settings or Transaction Limits.
- Check your existing limit.
- Increase it to the maximum permitted by your bank.
- Save the updated settings.
If you need to transfer more than ₹1 lakh, consider using NEFT, RTGS or IMPS instead.
What is the UPI Receiving Limit?
The UPI receiving limit is the maximum amount that can be credited to your account through UPI. For most savings accounts, banks generally allow receipts of up to ₹1 lakh per day, while merchant accounts may have higher receiving limits based on their account type.
| Account Type | Receiving Limit |
| Savings account | Up to ₹1,00,000 per day |
| Merchant account | As per bank policy |
What Is the UPI First Transaction Limit and Cooling Period?
If you register a new UPI account, change your SIM card or switch to a new mobile device, your bank may temporarily restrict transactions through a cooling period limit. This security measure helps reduce the risk of fraud.
| Situation | Temporary Limit |
| New UPI registration | ₹5,000 during the first 24 hours |
| SIM replacement | ₹5,000 during the first 24 hours |
| New device registration | ₹5,000 during the first 24 hours |
Is There Any UPI Transaction Limit for Income Tax in India?
There is no separate UPI transaction limit for income tax in India. Using UPI does not make a transaction taxable. However, the purpose of the transaction, such as gifts, business receipts or other taxable income, determines whether tax rules apply.
Important tax considerations:
- Gifts above ₹50,000 from non-relatives may be taxable under applicable provisions.
- Business payments received through UPI should be reported while filing Income Tax Returns.
- High-value transactions may be reported by banks under regulatory requirements.
Why does my UPI Payment Fail even if I am under the Transaction Limit?
A UPI payment may fail even if you have not reached the ₹1 lakh limit because:
- You have reached your bank’s daily transaction count limit.
- Your bank has set a lower UPI limit than the NPCI limit.
- You are a new UPI user with a temporary transaction restriction.
- There may be a temporary server or network issue.
Things to Remember About UPI Transaction Limits
- NPCI sets the maximum UPI transaction limit, but banks may impose lower limits.
- Daily limits may differ based on your bank and transaction type.
- Certain categories, such as hospitals, education, IPOs, insurance, and tax payments, allow UPI transactions of up to ₹5 lakh.
- New UPI users may have a lower transaction limit during the first 24 hours.
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Frequently Asked Questions
The standard UPI transaction limit for person-to-person transfers is ₹1,00,000 per day, although banks may prescribe lower limits.
The UPI limit per day is generally ₹1 lakh and is calculated over a rolling 24-hour period.
Most banks permit around 20 person-to-person UPI transactions within a rolling 24-hour period.
You cannot increase the NPCI-prescribed limit for standard UPI transfers. However, if your bank has set a lower limit, you may be able to increase it through your bank’s app or internet banking, subject to its policies.
No. NPCI does not prescribe an official monthly UPI transaction limit. However, some banks may set monthly limits for specific account types.
The maximum UPI transfer limit for regular transactions is ₹1 lakh. However, eligible categories such as IPO subscriptions, hospitals, educational institutions, insurance premiums, and tax payments may allow UPI transactions of up to ₹5 lakh.
