Enjoy upto 30% savings on 400+ top brands

Powered by EnKash

Enjoy upto 30% savings on 400+ top brands
Powered by EnKash

Product
Solutions
Resources
Receivables#

Get paid faster with customized PG solutions

Payables

Manage all types of business payments

Corporate Cards

Flexible credit & prepaid card solutions

Expense Management

Digitize employee spends & reimbursements

Brand Voucher

Shop smart and unlock exclusive savings

Loyalty Lounge

Build exciting rewards, incentives & offers

Digitize your business collections

Easily pay and manage all your vendors, bills, rentals, taxes, and more in one platform

Simplify corporate spending with flexible credit and prepaid cards

Manage employee expenses & reimbursements

Shop smart and unlock exclusive savings

Automate & manage rewards, incentives & offers

Gain deeper insights into your company’s finances with tailored reports

Easily design and manage workflows that suit your organizational hierarchy

Gain real-time insights into cash movement of your business for informed decision-making

Integrate our robust APIs and empower your business

Boost efficiency, connectivity, and business agility for growth

An extensive finance software designed for CFOs to streamline financial processes

Manage access to your cards from anywhere, anytime

Read our product-related blogs and learn how they can transform your business

Watch our product videos for an easy, engaging, and quick understanding

Stay updated with the latest news and developments from EnKash

Know what our customers have to say after using our products

Google Pay Transaction Limits

A Guide to Google Pay Transaction Limits in 2024

Google Pay Transaction Limits

The United Payments Interface also known as UPI was launched in the year 2016 in India by the National Payments Corporation of India (NPCI) as a move to propel India towards more of a digital economy. Right after the launch of UPI many banks and third-party institutions started launching their own mobile payment apps for P2P i.e., Peer-to-Peer, and P2M i.e., Peer-to-Merchant transactions. One of these payment apps known as Google Pay gained a significant amount of traction and had an estimated monthly active user base of 150 million in 2021. Today, every individual is aware of the application and has it installed on his/her mobile device. With its user-friendly interface and instant transactions, it's no surprise that millions rely on Google Pay for their daily transactional needs. However, getting to know the Google Pay transfer limits is important to ensure a smooth and hassle-free experience. 

In this article, we are going to discuss the maximum amount of transfer through UPI/Google Pay that is possible and the limit on the number of times Google Pay can be used throughout the day. So, let’s get right into it.

Understanding UPI and its Role in Google Pay Transactions

Before going into specific limits, it's important to understand the underlying technology as mentioned above that facilitates Google Pay transactions - Unified Payments Interface (UPI). UPI is a digital payment system introduced in 2016 by the National Payments Corporation of India (NPCI) that enables instant interbank money transfers. Google Pay, along with other UPI apps, acts as a user interface for initiating and managing UPI transactions. Therefore, Google Pay's transaction limits are intrinsically linked to the limitations set by NPCI for UPI transactions.

Types of Google Pay Transaction Limits 

There are various Google Pay transaction limits to prevent fraud, safeguard user accounts, and maintain the integrity of the UPI ecosystem. These Google Pay transaction limits can be categorized as follows:

  1. Transaction Value Limits:
    • Google Pay Transaction Limit Per Day: ₹1,00,000 (One Lakh Rupees) - This is the maximum amount transfer through UPI/GPay that you can do in a single day. It's important to note that this limit applies to all UPI transactions you make, not just those done via Google Pay. Since Google Pay leverages the UPI infrastructure, your transactions on other UPI apps contribute to your daily limit on Google Pay. For instance, if you transfer ₹20,000 using PhonePe in the morning, your remaining Google Pay limit for the day becomes ₹80,000.
    • Per Transaction Limit: While the daily limit sets a cap on the total amount you can send, there's no specific restriction on the value of an individual transaction. However, some merchants might have their own transaction limits in place
  1. Transaction Frequency Limits:

    • On Google Pay: You can send money a total of 10 times using Google Pay in one day. If you wish to do more transactions then you will have to do for 24 hours
    • On Other UPI Apps: You can initiate a maximum of 20 UPI transactions (sending or requesting money) in a single day across all UPI apps. This consists of both failed and successful transactions
  1. Request Money Limit:

    • Daily Request Limit: The "Request Money" feature on Google Pay allows you to easily request funds from others. However, to curb potential misuse, a daily limit is imposed on this function. Currently, you can request a maximum of ₹2,000 from someone in a single day via Google Pay

Also, in December 2021, the NPCI (National Payments Corporation Of India) shared a guideline that stated that the transaction limit of Google Pay for IPO (i.e., Initial Public Offering) and RDS (i.e., Retail Direct Scheme) is ₹5 lakh.

Different Banks Google Pay Transactions

The table below shows a comprehensive list of the UPI transaction limits of 144 banks in India in 2024.

Bank name Bank type Sponsor bank UPI transaction limit UPI daily limit
Abhyudaya Co-Operative Bank Cooperative NA ₹25,000 INR ₹25,000 INR
Adarsh Co-Op Bank Ltd Cooperative HDFC Bank ₹50,000 INR ₹50,000 INR
Aditya Birla Idea Payments Bank Payments Bank NA ₹100,000 INR ₹100,000 INR
Airtel Payments Bank Payments Bank NA ₹100,000 INR ₹100,000 INR
Allahabad Bank Public Sector Bank NA ₹25,000 INR ₹100,000 INR
Allahabad UP Gramin Bank RRB Allahabad ₹20,000 INR ₹40,000 INR
Andhra Bank Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Andhra Pradesh Grameena Vikas Bank RRB SBI ₹25,000 INR ₹100,000 INR
Andhra Pragathi Grameena Bank RRB NA ₹10,000 INR ₹20,000 INR
Apna Sahakari Bank Cooperative NA ₹100,000 INR ₹100,000 INR
Assam Gramin VIkash Bank RRB United Bank of India ₹5,000 INR ₹25,000 INR
Axis Bank Private NA ₹100,000 INR ₹100,000 INR
Bandhan Bank Private NA ₹100,000 INR ₹100,000 INR
Bank Of Baroda Public Sector Bank NA ₹25,000 INR Not set
Bank of India Public Sector Bank NA ₹10,000 INR ₹100,000 INR
Bank of Maharashtra Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Baroda Gujarat Gramin Bank RRB Bank of Baroda ₹25,000 INR Not set
Baroda Rajasthan Kshetriya Gramin Bank RRB Bank of Baroda ₹25,000 INR ₹25,000 INR
Baroda Uttar Pradesh Gramin Bank RRB Bank of Baroda ₹25,000 INR ₹25,000 INR
Bassein Catholic Co-Op Bank Cooperative NA ₹20,000 INR ₹40,000 INR
Bhilwara Urban Co-Operative Bank Ltd Cooperative HDFC ₹25,000 INR ₹25,000 INR
Bihar Gramin Bank RRB UCO Merged with DBGB
Canara Bank Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Catholic Syrian Bank Private NA ₹100,000 INR ₹100,000 INR
Central Bank of India Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Chaitanya Godavari Grameena Bank RRB Andhra Bank ₹25,000 INR ₹100,000 INR
Chhattisgarh Rajya Gramin Bank RRB SBI ₹25,000 INR ₹100,000 INR
Citibank Retail Foreign Bank NA ₹100,000 INR ₹100,000 INR
City Union Bank Private NA ₹100,000 INR ₹100,000 INR
Coastal Local Area Bank Ltd Cooperative BOM ₹50,000 INR ₹100,000 INR
Corporation Bank Public Sector Bank NA ₹50,000 INR ₹100,000 INR
DBS Digi Bank Foreign Bank NA ₹100,000 INR ₹100,000 INR
DCB Bank Private NA ₹5,000 INR ₹5,000 INR
Dena Bank Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Dena Gujarat Gramin Bank RRB Dena NA (Merged)
Deutsche Bank AG (Web Collect) Foreign Bank NA NA
Dhanlaxmi Bank Ltd Private NA ₹100,000 INR ₹100,000 INR
Dombivli Nagari Sahakari Bank Cooperative NA ₹100,000 INR ₹100,000 INR
Equitas Small Finance Bank Small Finance Bank NA ₹25,000 INR ₹100,000 INR
ESAF Small Finance Bank Small Finance Bank NA ₹100,000 INR ₹100,000 INR
Federal Bank Private NA ₹100,000 INR ₹100,000 INR
FINO Payments Bank Payments Bank NA ₹100,000 INR ₹100,000 INR
GP Parsik Bank Cooperative NA ₹100,000 INR ₹100,000 INR
HDFC Private NA ₹100,000 INR

(₹5,000 INR for new customers)

₹100,000 INR
Himachal Pradesh Gramin Bank RRB PNB ₹50,000 INR ₹50,000 INR
HSBC Foreign Bank NA ₹100,000 INR ₹100,000 INR
Hutatma Sahakari Bank Ltd Cooperative ICICI Bank ₹100,000 INR No limit
ICICI Bank Private NA ₹100,000 INR ₹100,000 INR
IDBI Bank Public Sector Bank NA ₹100,000 INR ₹100,000 INR
IDFC Private NA ₹100,000 INR ₹100,000 INR
India Post Payment Bank Payments Bank NA ₹25,000 INR ₹50,000 INR
Indian Bank Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Indian Overseas Bank Public Sector Bank NA ₹50,000 INR ₹100,000 INR
IndusInd Bank Private NA ₹100,000 INR ₹100,000 INR
J&K Grameen Bank RRB J&K ₹20,000 INR ₹20,000 INR
Jalgaon Janata Sahakari Bank Cooperative NA ₹100,000 INR ₹100,000 INR
Jammu & Kashmir Bank Private NA ₹20,000 INR ₹20,000 INR
Jana Small Finance Bank Small Finance Bank NA ₹10,000 INR ₹40,000 INR
Janata Sahakari Bank Pune Cooperative NA ₹100,000 INR ₹100,000 INR
Jio Payments Bank Payments Bank NA ₹100,000 INR ₹100,000 INR
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd Cooperative NA ₹25,000 INR ₹200,000 INR
Karnataka Bank Private NA ₹100,000 INR ₹200,000 INR
Karnataka Vikas Grameena Bank RRB NA ₹25,000 INR ₹25,000 INR
Karur Vysya Bank Private NA ₹100,000 INR ₹100,000 INR
Kashi Gomti Samyut Gramin Bank RRB NA ₹100,000 INR ₹100,000 INR
Kaveri Grameena Bank RRB SBI ₹25,000 INR ₹25,000 INR
Kerala Gramin Bank RRB NA ₹20,000 INR ₹20,000 INR
Kotak Mahindra Bank Private NA ₹100,000 INR ₹100,000 INR
Langpi Dehangi Rural Bank RRB SBI ₹10,000 INR ₹100,000 INR
Madhya Bihar Gramin Bank RRB PNB ₹25,000 INR ₹100,000 INR
Maharashtra Gramin Bank RRB BOM ₹25,000 INR ₹100,000 INR
Maharashtra State Co-Op Bank Cooperative NA ₹5,000 INR ₹50,000 INR
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank) RRB SBI ₹10,000 INR ₹25,000 INR
Manipur Rural Bank RRB SBI ₹10,000 INR ₹10,000 INR
Maratha Co-Op Bank Cooperative NA ₹100,000 INR ₹100,000 INR
Meghalaya Rural Bank Foreign Bank SBI ₹100,000 INR ₹100,000 INR
Mizoram Rural Bank RRB SBI ₹25,000 INR ₹100,000 INR
NKGSB Co-Op Bank Ltd Cooperative NA ₹20,000 INR ₹40,000 INR
Oriental Bank of Commerce Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Paschim Banga Gramin Bank RRB UCO ₹5,000 INR ₹25,000 INR
Paytm Payments Bank Payments Bank NA ₹100,000 INR ₹100,000 INR
Pragathi Krishna Gramin Bank RRB NA ₹20,000 INR ₹20,000 INR
Prathama Bank RRB NA ₹10,000 INR ₹50,000 INR
Punjab and Maharashtra Co-Op Bank Cooperative NA ₹100,000 INR ₹100,000 INR
Punjab and Sind Bank Public Sector Bank NA ₹10,000 INR ₹10,000 INR
Punjab Gramin Bank RRB PNB ₹10,000 INR ₹25,000 INR
Punjab National Bank Public Sector Bank NA ₹25,000 INR ₹50,000 INR
Purvanchal Bank RRB SBI ₹25,000 INR ₹100,000 INR
Rajasthan Marudhara Gramin Bank RRB SBI ₹25,000 INR ₹25,000 INR
Rajkot Nagari Sahakari Bank Ltd Cooperative NA ₹100,000 INR ₹100,000 INR
Samruddhi Co-Op Bank Ltd Cooperative TJSB ₹100,000 INR ₹100,000 INR
Sarva Haryana Gramin Bank RRB PNB ₹50,000 INR ₹100,000 INR
Sarva UP Gramin Bank RRB PNB ₹50,000 INR ₹100,000 INR
Saurashtra Gramin Bank RRB SBI ₹20,000 INR ₹100,000 INR
Shree Kadi Nagarik Sahakari Bank Ltd Cooperative Yes Bank ₹100,000 INR ₹100,000 INR
South Indian Bank Private NA ₹100,000 INR ₹100,000 INR
Standard Chartered Foreign Bank NA ₹100,000 INR ₹100,000 INR
State Bank of India Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Suco Souharda Sahakari Bank Cooperative ICICI Bank ₹100,000 INR ₹100,000 INR
Suryoday Small Finance Bank Ltd Small Finance Bank NA ₹100,000 INR ₹100,000 INR
Suvarnayug Sahakari Bank Ltd Cooperative HDFC ₹100,000 INR ₹100,000 INR
Syndicate Bank Public Sector Bank NA ₹10,000 INR ₹100,000 INR
Tamilnad Mercantile Bank Private NA ₹100,000 INR ₹100,000 INR
Telangana Gramin Bank RRB SBI ₹25,000 INR ₹100,000 INR
Telangana State Co-Operative Apex Bank Cooperative IDBI ₹10,000 INR ₹100,000 INR
Thane Bharat Sahakari Bank Cooperative NA ₹100,000 INR ₹100,000 INR
The Cosmos Co-Operative Bank Ltd Cooperative NA ₹10,000 INR ₹50,000 INR
The AP Mahesh Co-Operative Urban Bank Cooperative NA ₹25,000 INR ₹25,000 INR
The Ahmedabad District Co-Operative Bank Ltd Cooperative GSCB ₹10,000 INR ₹25,000 INR
The Ahmedabad Mercantile Co-Op Bank Ltd Cooperative HDFC Bank ₹100,000 INR ₹100,000 INR
The Andhra Pradesh State Co-Operative Cooperative NA ₹10,000 INR ₹100,000 INR
The Baroda Central Co-Operative Bank Ltd Cooperative GSCB ₹15,000 INR ₹100,000 INR
The Gujarat State Co-Operative Bank Ltd Cooperative NA ₹50,000 INR ₹100,000 INR
The Hasti Co-operative Bank Ltd Cooperative NA ₹100,000 INR ₹100,000 INR
The Kalyan Janata Sahakari Bank Cooperative NA ₹100,000 INR ₹100,000 INR
The Lakshmi Vilas Bank Ltd Private NA ₹100,000 INR ₹100,000 INR
The Mahanagar Co-Op Bank Ltd Cooperative NA ₹25,000 INR ₹50,000 INR
The Malad Sahakari Bank Ltd Cooperative PMCO ₹10,000 INR ₹50,000 INR
The Mehsana Urban Co-Operative Bank Cooperative NA ₹100,000 INR ₹100,000 INR
The Municipal Co-Op Bank Ltd Cooperative NA ₹5,000 INR ₹50,000 INR
The Muslim Co-Operative Bank Ltd Cooperative HDFC ₹100,000 INR ₹100,000 INR
The Nainital Bank Ltd Private NA ₹20,000 INR ₹40,000 INR
The Ratnakar Bank Ltd Private NA ₹25,000 INR ₹25,000 INR
The Saraswat Co-Operative Bank Cooperative NA ₹100,000 INR ₹100,000 INR
The Surat People's Co-Op Bank Ltd Cooperative NA ₹25,000 INR ₹100,000 INR
The Sutex Co-Op Bank Cooperative ICICI Bank ₹100,000 INR ₹100,000 INR
The SVC Co-Operative Bank Ltd Cooperative NA ₹10,000 INR ₹20,000 INR
The Thane Janta Sahakari Bank Ltd (TJSB) Cooperative NA ₹100,000 INR ₹100,000 INR
The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd Cooperative ICICI Bank ₹100,000 INR ₹100,000 INR
The Udaipur Mahila Urban Co-Op Bank Ltd Cooperative NA ₹100,000 INR ₹100,000 INR
The Urban Cooperative Bank Ltd Dharangaon Cooperative ICICI Bank ₹20,000 INR ₹25,000 INR
The Varachha Co-Op Bank Ltd Cooperative NA ₹20,000 INR ₹40,000 INR
The Vijay Cooperative Bank Ltd Cooperative ICICI Bank ₹20,000 INR ₹200,000 INR
The Vishweshwar Sahakari Bank Ltd Cooperative NA ₹100,000 INR ₹100,000 INR
Tripura Gramin Bank RRB SBI ₹10,000 INR ₹10,000 INR
UCO Bank Public Sector Bank NA ₹100,000 INR ₹100,000 INR
Ujjivan Small Finance Bank Ltd Small Finance Bank NA ₹50,000 INR ₹100,000 INR
Union Bank of India Public Sector Bank NA ₹100,000 INR ₹200,000 INR
United Bank of India Public Sector Bank NA ₹25,000 INR ₹60,000 INR
Uttarakhand Gramin Bank RRB SBI ₹25,000 INR ₹100,000 INR
Vananchal Gramin Bank RRB SBI ₹20,000 INR ₹20,000 INR
Vasai Vikas Co-Op Bank Ltd Cooperative NA ₹100,000 INR ₹100,000 INR
Vijaya Bank Public Sector Bank NA ₹25,000 INR ₹50,000 INR
YES Bank Private NA ₹100,000 INR ₹100,000 INR

Google Pay Limit for Peer to Merchant (P2M) Transactions

Unlike Peer-to-Peer (P2P) transactions where you send money to another individual, Peer-to-Merchant (P2M) transactions involve sending money to businesses for goods or services. While the general P2P limits apply to P2M Google Pay transaction limit per day (₹1,00,000 daily limit and 10 transactions per day), there's a distinction for specific P2M categories:

  • Standard P2M Transactions: These transactions adhere to the standard P2P limits mentioned earlier.
  • Payments for Credit Card Bills, Loan Repayments, and Capital Market Investments: For these transactions, some banks may set a higher limit of ₹2,00,000 per day. This allows for larger bill payments and investments.

It's important to note that these limits can vary depending on your bank. It's always best to consult your bank for their specific P2M transaction limits.

Strategies for Managing Transaction Limits

While Google Pay transfer limits ensure financial security, situations may arise where you need to exceed them. Here are some strategies to manage these limitations:

  1. Plan Your Transactions: Forecasting your daily transactions can help you stay within the limits. If you anticipate large payments, consider spreading them across multiple days.
  2. Utilize UPI-Linked Bank Accounts: Ensure your primary bank account with a higher transaction limit is linked to Google Pay. This provides more flexibility for larger transfers.
  3. Upgrade UPI Limits (if applicable): Some banks offer the option to increase your daily UPI transaction limit by submitting a request and completing verification procedures. However, this option may not be universally available.
  4. Consider Alternative Payment Methods: For transactions exceeding Google Pay's limits, explore other options like NEFT, RTGS, or IMPS transfers through your bank.

Important Considerations

  • Transaction Minimum: Google Pay, like most UPI platforms, also has a minimum transaction limit. Transactions below ₹1 will not be processed
  • Real-Time Updates: Your remaining transaction limit is typically reflected in real-time within the Google Pay app
  • Limit Variations: In rare instances, specific banks might impose lower transaction limits on their users. It's advisable to check with your bank for any such limitations

Conclusion

Understanding Google Pay transfer limits empowers you to manage your finances effectively. By strategically planning your transactions and utilizing available options, you can ensure a seamless and secure experience with Google Pay. Remember, these limits prioritize financial security, and responsible usage safeguards you from potential fraud. For any further queries or clarifications regarding transaction limits, reaching out to Google Pay support or your bank is always recommended.

Frequently Asked Questions

  • Can I increase my daily transaction limit on Google Pay?

While Google Pay doesn't directly offer an option to increase limits, certain banks allow you to request a UPI limit hike. Contact your bank to inquire about the process and eligibility criteria.

  • What happens if I exceed the GPay transfer limit?

If you attempt a transaction that surpasses your limit, the transaction will be declined by Google Pay. You'll receive a notification informing you about the insufficient balance or limit reached.

  • What are alternative payment methods if I need to exceed GPay transfer limits?

For transactions exceeding Google Pay's limits, you can explore other options:

National Electronic Funds Transfer (NEFT): Suitable for non-urgent fund transfers, typically processed within a few hours.

Real-Time Gross Settlement (RTGS): Ideal for large value transfers, processed within minutes.

Immediate Payment Service (IMPS): Provides near real-time interbank transfers, suitable for urgent payments.

These options can be initiated through your bank's internet banking portal or mobile banking app.

  • What is the minimum transaction amount on Google Pay?

Similar to most UPI platforms, Google Pay enforces a minimum transaction limit of ₹1. Transactions below ₹1 will not be processed.

 

A Guide to Google Pay Transaction Limits in 2024

Google Pay Transaction Limits

Subscribe to get fresh updates in your inbox

The Ultimate Platform for Businesses

Go digital with our innovative business solutions and experience enhanced financial control