UPI Transaction Limit: SBI, HDFC, ICICI, & PhonePe

The Unified Payments Interface (UPI) has revolutionized digital payments in India by enabling instant, secure, and convenient money transfers directly between bank accounts. Since its launch by the National Payments Corporation of India (NPCI), UPI has become the backbone of India’s digital payment ecosystem, promoting cashless transactions across the country.

Popular UPI apps such as Google Pay, PhonePe, Paytm, and BHIM make it easier for users to send and receive money, pay bills, and shop online with just a few clicks. These apps integrate seamlessly with multiple banks, allowing transactions anytime, anywhere, without the need for cash or cards.

Understanding UPI transaction limits is crucial for users to avoid failed transactions and ensure smooth money transfers. Each bank and UPI app imposes limits on the maximum money that can be transferred per day, per transaction, or per month, depending on account type and security protocols. Being aware of these limits helps users plan their transfers efficiently and stay within the allowed thresholds, ensuring a hassle-free digital payment experience.

What is UPI & How It Works

Unified Payments Interface (UPI) is an advanced real-time payment system developed by the National Payments Corporation of India (NPCI). It allows users to instantly transfer money between bank accounts using a UPI ID, mobile number, or QR code, without the need for IFSC codes or account numbers.

UPI works 24/7, enabling seamless transactions for individuals and businesses alike. Users can link multiple bank accounts to a single UPI app and perform a variety of functions, including sending money, receiving payments, paying utility bills, and making online purchases.
Popular UPI apps like Google Pay, PhonePe, Paytm, and BHIM support a wide range of banks, providing secure, fast, and convenient banking services at your fingertips. Each transaction is authenticated using a UPI PIN, ensuring safety and privacy.

Key Features of UPI

• Instant Transfers: Money moves instantly between sender and receiver accounts.
• Multiple Bank Accounts: Link multiple bank accounts to a single app.
• Secure Transactions: Each transaction requires a UPI PIN for authentication.
• Wide Adoption: Supported by most Indian banks and digital payment apps.

Understanding UPI also means being aware of UPI transaction limits, including daily transfer limits, maximum per-transaction limits, and monthly thresholds, which vary by bank and account type. This ensures secure, regulated, and smooth money transfers.

What is UPI Transaction Limit?

The UPI transaction limit refers to the maximum amount of money you can send or receive using the Unified Payments Interface (UPI) within a specific timeframe. These limits are set by your bank and the UPI app (like Google Pay, PhonePe, Paytm, or BHIM) to ensure security and compliance with RBI regulations.

Types of UPI Transaction Limits

Understanding UPI transaction limits is crucial for seamless digital payments. Banks and payment apps impose different thresholds to ensure security and compliance with RBI regulations.

1. Daily UPI Limit

The daily UPI limit determines the maximum amount of money you can transfer in a single day from your bank account using UPI. This limit can vary across banks and depends on the type of account you hold. For example, some banks allow ₹1 lakh per day, while others may permit higher or lower amounts. Monitoring your daily UPI limit helps avoid transaction failures and plan payments effectively.

2. Per Transaction Limit

The per-transaction limit defines the maximum amount that can be transferred in a single UPI transaction. Most banks and UPI apps, like Google Pay or PhonePe, set a limit between ₹40,000 and ₹1,00,000 per transaction. Exceeding this limit will require multiple transactions or alternative payment methods.

3. Monthly & Yearly UPI Limit

Some banks and payment platforms also impose monthly or yearly UPI transaction limits to manage high-volume transfers. This ensures account security and regulatory compliance. These limits can vary depending on the bank, account type, and UPI app policies, making it essential for users to check their specific UPI plan for smooth transactions.

Why Are UPI Transaction Limits Necessary?

The large number of daily UPI transactions increases the risk of fraud and misuse. Additionally, factors like operational efficiency and regulatory compliance necessitate setting transaction limits.

• Security
  The first and foremost reason behind UPI transaction limits is to mitigate the risk of fraud associated with these transactions. In the event of account detail leaks, these limits help minimize potential financial losses. The damage can be controlled in case of unauthorized access.
• Risk Management
  Banks and financial institutions can lessen the financial risk by limiting the transaction amount and frequency, allowing them to monitor transactions closely and locate suspicious activities, if any.
• Compliance
  The concerned financial regulatory authority defines a guideline for transaction limits to ensure security. The UPI transaction limit allows banks to comply with these regulatory requirements.
• Operational Efficiency
  The large volume of UPI transactions must be efficiently managed to ensure smooth and swift processing.
• User Protection
  The UPI transaction limits protect users from transferring large amounts, thereby avoiding errors. The limits allow the user to transact securely.
• Responsible Usage
  Defining UPI transaction limits encourages responsible usage and prevents overspending in haste.

Factors Affecting UPI Limits

The UPI transaction limit is not fixed and can vary depending on several important factors. Understanding these can help you manage your digital payments effectively.

Bank Account Type

Your account type—whether savings or current—plays a significant role in determining your UPI limits. Typically, savings accounts have lower daily and per-transaction limits, while current accounts may enjoy higher limits for business or frequent transactions.

UPI App Policy

Different UPI apps, such as Google Pay, PhonePe, BHIM, and Paytm, may impose their own transaction restrictions. While these apps generally follow bank-imposed limits, some offer additional safety features or lower thresholds to protect users against fraud.

RBI Regulations & NPCI Guidelines

The Reserve Bank of India (RBI) and National Payments Corporation of India (NPCI) regulate UPI transactions to ensure secure and smooth digital payments. These regulations define maximum daily and per-transaction limits that banks must enforce, ensuring financial safety for all users.

UPI Transaction Limits by Banks and Apps (2025 Updated)

Apart from banks, some apps have also defined UPI transaction limits to maintain their operational efficiency and smooth functioning.

Apps:

UPI App	Per Transaction Limit	Daily Limit	Notes
Google Pay	₹1,00,000	₹1,00,000	Up to 20 transactions per day; ₹5,000 limit for new users in the first 24 hours.
PhonePe	₹1,00,000	₹1,00,000	Up to 20 transactions per day; ₹5,000 limit for new users in the first 24 hours.
Paytm	₹1,00,000	₹1,00,000	Up to 20 transactions per day; ₹5,000 limit for new users in the first 24 hours.
BHIM App	₹1,00,000	₹1,00,000	Up to 20 transactions per day; ₹5,000 limit for new users in the first 24 hours.
Amazon Pay	₹1,00,000	₹1,00,000	Up to 20 transactions per day; ₹5,000 limit for new users in the first 24 hours.

Banks:

• SBI UPI transaction Limit Per Day
  The SBI UPI transaction limit per day is Rs. 1,00,000. This can be done via a single transaction or multiple transactions made 10 times a day. However, there is no limit on weekly and monthly transactions via UPI.
• ICICI Bank UPI Transaction Limit Per Day
  The ICICI Bank UPI limit for each transaction via ICICI Bank is Rs. 1,00,000. Users can make 10 transactions in 24 hours.
• HDFC Bank UPI Transaction Limit Per Day
  The HDFC Bank UPI Limit Per Day is ₹ 1 lakh. This consists of transactions done both on a person-to-person basis and on a person-to-merchant basis.

Follow the table below to know the UPI limit of private and public banks in India.

UPI Transaction & Daily Limit by Bank (India)

Bank Name	Bank Type	Sponsor Bank	UPI Transaction Limit (₹)	UPI Daily Limit (₹)
Abhyudaya Co-Operative Bank	Cooperative	NA	25000	25000
Adarsh Co-Op Bank Ltd	Cooperative	HDFC Bank	50000	50000
Aditya Birla Idea Payments Bank	Payments Bank	NA	100000	100000
Airtel Payments Bank	Payments Bank	NA	100000	100000
Allahabad Bank	Public Sector Bank	NA	25000	100000
Allahabad UP Gramin Bank	RRB	Allahabad	20000	40000
Andhra Bank	Public Sector Bank	NA	100000	100000
Andhra Pradesh Grameena Vikas Bank	RRB	SBI	25000	100000
Andhra Pragathi Grameena Bank	RRB	NA	10000	20000
Apna Sahakari Bank	Cooperative	NA	100000	100000
Assam Gramin Vikash Bank	RRB	United Bank of India	5000	25000
Axis Bank	Private	NA	100000	100000
Bandhan Bank	Private	NA	100000	100000
Bank Of Baroda	Public Sector Bank	NA	25000	Not set
Bank of India	Public Sector Bank	NA	10000	100000
Bank of Maharashtra	Public Sector Bank	NA	100000	100000
Baroda Gujarat Gramin Bank	RRB	Bank of Baroda	25000	Not set
Baroda Rajasthan Kshetriya Gramin Bank	RRB	BOB	25000	25000
Baroda Uttar Pradesh Gramin Bank	RRB	Bank of Baroda	25000	25000
Bassein Catholic Co-Op Bank	Cooperative	NA	20000	40000
Bhilwara Urban Co Operative Bank LTD	Cooperative	HDFC	25000	25000
Bihar Gramin Bank	RRB	UCO	Merged with DBGB	—
Canara Bank	Public Sector Bank	NA	100000	100000
Catholic Syrian Bank	Private	NA	100000	100000
Central Bank of India	Public Sector Bank	NA	100000	100000
Chaitanya Godavari Grameena Bank	RRB	Andhra Bank	25000	100000
Chhattisgarh Rajya Gramin Bank	RRB	SBI	25000	100000
Citibank Retail	Foreign Bank	NA	100000	100000
City Union Bank	Private	NA	100000	100000
COASTAL LOCAL AREA BANK LTD	Cooperative	BOM	50000	100000
Corporation Bank	Public Sector Bank	NA	50000	100000
DBS Digi Bank	Foreign Bank	NA	100000	100000
DCB Bank	Private	NA	5000	5000
Dena Bank	Public Sector Bank	NA	100000	100000
Dena Gujarat Gramin Bank	RRB	Dena	NA (Merged)	—
Deutsche Bank AG (Web Collect)	Foreign Bank	NA	NA	NA
Dhanlaxmi Bank Ltd	Private	NA	100000	100000
Dombivali Nagrik Sahakari Bank	Cooperative	NA	100000	100000
Equitas Small Finance Bank	Small Finance Bank	NA	25000	100000
ESAF Small Finance Bank	Small Finance Bank	NA	100000	100000
Federal Bank	Private	NA	100000	100000
FINO Payments Bank	Payments Bank	NA	100000	100000
G P Parsik Bank	Cooperative	NA	100000	100000
HDFC	Private	NA	100000 (₹5000 for new customers)	100000
Himachal Pradesh Gramin Bank	RRB	PNB	50000	50000
HSBC	Foreign Bank	NA	100000	100000
Hutatma Sahakari Bank Ltd	Cooperative	ICICI Bank	100000	No limit
ICICI Bank	Private	NA	10000 (25000 for Google Pay users)	10000 (25000 for Google Pay users)
IDBI Bank	Public Sector Bank	NA	100000	100000
IDFC	Private	NA	100000	100000
India Post Payment Bank	Payments Bank	NA	25000	50000
Indian Bank	Public Sector Bank	NA	100000	100000
Indian Overseas Bank	Public Sector Bank	NA	50000	100000
IndusInd Bank	Private	NA	100000	100000
J&K Grameen Bank	RRB	J&K	20000	20000
Jalgaona Janata Sahkari Bank	Cooperative	NA	100000	100000
Jammu & Kashmir Bank	Private	NA	20000	20000
Jana Small Finance Bank	Small Finance Bank	NA	10000	40000
Janta Sahakari Bank Pune	Cooperative	NA	100000	100000
Jio Payments Bank	Payments Bank	NA	100000	100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd	Cooperative	NA	25000	200000
Karnataka Bank	Private	NA	100000	200000
Karnataka Vikas Grameena Bank	RRB	NA	25000	25000
Karur Vysaya Bank	Private	NA	100000	100000
Kashi Gomti Samyut Gramin Bank	RRB	NA	100000	100000
Kaveri Grameena Bank	RRB	SBI	25000	25000
Kerala Gramin Bank	RRB	NA	20000	20000
Kotak Mahindra Bank	Private	NA	100000	100000
Langpi Dehangi Rural Bank	RRB	SBI	10000	100000
Madhya Bihar Gramin Bank	RRB	PNB	25000	100000
Maharashtra Grameen Bank	RRB	BOM	25000	100000
Maharashtra State Co-Op Bank	Cooperative	NA	5000	50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)	RRB	SBI	10000	25000
Manipur Rural Bank	RRB	SBI	10000	10000
Maratha Co-Op Bank	Cooperative	NA	100000	100000
Meghalaya Rural Bank	Foreign Bank	SBI	100000	100000
Mizoram Rural Bank	RRB	SBI	25000	100000
NKGSB Co-Op. Bank Ltd	Cooperative	NA	20000	40000
Oriental Bank of Commerce	Public Sector Bank	NA	100000	100000
Paschim Banga Gramin Bank	RRB	UCO	5000	25000
Paytm Payments Bank	Payments Bank	NA	100000	100000
Pragathi Krishna Gramin Bank	RRB	NA	20000	20000
Prathama Bank	RRB	NA	10000	50000
Punjab and Maharastra Co-Op Bank	Cooperative	NA	100000	100000
Punjab and Sind Bank	Public Sector Bank	NA	10000	10000
Punjab Gramin Bank	RRB	PNB	10000	25000
Punjab National Bank	Public Sector Bank	NA	25000	50000
Purvanchal Bank	RRB	SBI	25000	100000
Rajasthan Marudhara Gramin Bank	RRB	SBI	25000	25000
Rajkot Nagari Sahakari Bank Ltd	Cooperative	NA	100000	100000
Samruddhi Co-Op Bank Ltd	Cooperative	TJSB	100000	100000
Sarva Haryana Gramin Bank	RRB	PNB	50000	100000
Sarva UP Gramin Bank	RRB	PNB	50000	100000
Saurashtra Gramin Bank	RRB	SBI	20000	100000
Shree Kadi Nagarik Sahakari Bank Ltd	Cooperative	Yes Bank	100000	100000
South Indian Bank	Private	NA	100000	100000
Standard Chartered	Foreign Bank	NA	100000	100000
State Bank of India	Public Sector Bank	NA	100000	100000
Suco Souharda Sahakari Bank	Cooperative	ICICI Bank	100000	100000
Suryoday Small Finance Bank Ltd	Small Finance Bank	NA	100000	100000
Suvarnayug Sahakari Bank Ltd	Cooperative	HDFC	100000	100000
Syndicate Bank	Public Sector Bank	NA	10000	100000
Tamil Nadu Mercantile Bank	Private	NA	100000	100000
Telangana Gramin Bank	RRB	SBI	25000	100000
Telangana State Co-Operative Apex Bank	Cooperative	IDBI	10000	100000
Thane Bharat Sahakari Bank	Cooperative	NA	100000	100000
The Cosmos Co-Operative Bank LTD	Cooperative	NA	10000	50000
The A.P. Mahesh Co-Operative Urban Bank	Cooperative	NA	25000	25000
The Ahmedabad District Co-Operative Bank Ltd	Cooperative	GSCB	10000	25000
The Ahmedabad Mercantile Co-Op Bank Ltd	Cooperative	HDFC Bank	100000	100000
The Andhra Pradesh State Co-Operative	Cooperative	NA	10000	100000
The Baroda Central Co-Operative Bank Ltd	Cooperative	GSCB	15000	100000
The Gujarat State Co-Operative Bank Limited	Cooperative	NA	50000	100000
The Hasti Co-operative Bank Ltd	Cooperative	NA	100000	100000

How to Increase UPI Transaction Limit

UPI transaction limits are set by both the National Payments Corporation of India (NPCI) and your respective bank. Most UPI apps, including Google Pay, PhonePe, Paytm, and BHIM, have a default daily transaction limit of ₹1,00,000 per account. However, users can increase their limits depending on their bank policies and KYC verification status.

Steps to Increase Your UPI Limit

Verify Your Bank Account

• Ensure your bank account is fully KYC-compliant.
• Some banks require PAN and Aadhaar linking for higher transaction limits.

Update Your UPI App

• Open your UPI app (Google Pay, PhonePe, Paytm, etc.).
• Navigate to Profile → Bank Accounts → UPI Limit.
• Some apps allow you to request a higher daily limit directly.

Contact Your Bank

• Visit your bank’s branch or use net banking/mobile banking.
• Request a limit enhancement for UPI transactions.
• Banks may require additional verification for limits above ₹1,00,000 per day.

Wait for Approval

• Limit increase requests are usually processed within 24–48 hours, depending on your bank.

Key Points to Remember

• Bank-Specific Policies: Each bank can set its own maximum UPI transaction limit.
• App vs. Bank Limit: Even if the app allows a higher limit, the bank’s daily limit will be enforced.
• Security Compliance: Higher limits may require two-factor authentication and adherence to RBI guidelines.

Surcharge / Interchange Fee on UPI Payment

Unified Payments Interface (UPI) is one of the fastest-growing digital payment modes in India, given its ease of use and functionality. Nevertheless, there seems to be some misunderstanding about surcharges or interchange fees on UPI transactions. Let’s clarify:

• Interchange Fee: An interchange fee is a charge paid by one financial institution to another for processing a UPI transaction. It is paid by the payer’s bank to the payee’s bank. This fee compensates the bank for facilitating the UPI transaction.
• Surcharge: A surcharge is a fee in addition to the existing price, which a service provider or a retailer may impose to recover costs incurred, for example, in processing the transaction. UPI does not impose any surcharges on users, although certain service providers or merchants may apply them in specific circumstances.

UPI Transactions and Fees:

The Reserve Bank of India (RBI) has not imposed any direct surcharge on retail users of UPI transactions, meaning that this payment mode is very inexpensive to the users. In addition to this, it is worth noting that the banks participating in the UPI system may impose certain fees for interbank transactions or other services, such as UPI credit-based card transactions.

Who Will Pay the Interchange Fees?

In most cases, interchange transaction costs are incurred by the bank that initiates the transaction. However, the ultimate burden of the interchange transaction costs can be internalized by the various parties to the transaction, each of them bearing a portion of the cost. Here, the different segments are discussed:

Payer’s Bank (Issuing Bank):

Typically, the payer’s bank (issuing bank) bears the responsibility of paying interchange charges to the payee’s bank for transaction processing and to the acquiring bank for the transaction processing.
Usually, this will be quite low, only a fraction of the total worth of the transaction in question, and in most standard UPI transactions, it is largely insignificant.

Merchant’s Bank:

In the case of UPI payments made by customers, which would involve the merchants receiving payments, they, too, may incur interchange charges regarding the merchant’s bank.
In many instances, however, such costs may be transferred to the final consumers either as a separate charge or by increasing the prices of goods/services.

Users:

Usually, the users themselves do not have an obligation to incur any interchange charges; however, it should be pointed out that in certain instances, such as with regard to UPI credit card transactions or the use of premium products, banks tend to impose other costs.

Worried about your UPI transaction status? Here is a guide to help with the verification of UPI transactions

How to Manage Your UPI Limits?

Managing your UPI transaction limits is crucial for effective and seamless payment processing. Here are some of the handy methods for managing UPI limits:

• Check your current limit:
  Check for your UPI transaction limits frequently to avoid any inconveniences. You can find these details on your bank’s mobile application and even on UPI apps like Google Pay and PhonePe. This information is usually located in the settings or UPI tabs of such apps.
• Request Increase:
  If you need to exceed the limit set by the bank (normally capped at ₹1 lakh) for a single day, you may have to ask your bank to increase that already established limit. Most of the banks allow raising limits for the customer depending upon the limit type, the transaction history, and after certain other. You must seek further clarification from your bank as to its policies.
• Break Up Big Payments:
  On the other hand, if the payment you wish to make exceeds the active ‘daily UPI transaction limit’, you can also choose to break this up into smaller paying transactions. Before continuing, please ensure that the total sum you wish to pay the service provider on the day does not exceed the maximum limit allowed, thereby reducing the chances of interruptions in payments.
• Monitor UPI Transaction:
  Regularly monitor your UPI transactions through your bank’s mobile app or UPI service. This will enable you to keep track of your transaction limit and therefore schedule your payments in line with your transaction cap to avoid unexpected charges of reaching the limit.
• Use UPI-Linked Credit Cards:
  If you want to make high-value transactions, you may add a credit card to your UPI account. This is typically used for high-value purchases; however, note that handling charges and interest rates will apply if the payment is not cleared on time.

Managing UPI limits appropriately helps in ensuring a great digital payment experience.

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Conclusion

UPI has taken over other modes of payment because of its convenience, swiftness, and transparency. Businesses prefer making payments via UPI. However, to safeguard these transactions, the defined UPI limits must be followed.

For more understanding about UPI transaction limits, read these frequently asked questions.

FAQs

1. Is it possible to transfer more than the limit if I use multiple UPI apps?
It is not possible to transfer more than the limit even if you use multiple UPI apps.

2. What should I do if my transaction gets blocked due to exceeding the limit?
You will not be able to make payments exceeding your limit.

3. Are UPI transaction limits the same for all banks?
No, UPI transaction limits are not the same for all banks. Check the list of banks in the article above to know their respective limits.

4. How to keep a check on the UPI transaction limit?
Follow the steps below to know your UPI transaction limit:

• Go to the UPI app in use
• Open the Profile or Settings section of the app
• Look for the UPI transaction limit option
• Your UPI transaction limit will be visible

5. Is it possible to change my UPI transaction limits?
The NPCI/RBI defines the UPI transaction limits, and they cannot be changed at an individual’s demands.

6. Is there a limit on the number of daily UPI transactions?
According to the NPCI regulations, you can make up to 20 UPI transactions within 24 hours. It is important to note that these transaction limits may vary from bank to bank.