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UPI Transaction Limit

UPI Transaction Limit: SBI, HDFC, ICICI, & PhonePe (Updated 2024 List)

UPI Transaction Limit

 Introduction

The advent of Unified Interface Payments (UPI) by the National Payments Corporation of India (NPCI) in 2016 has revolutionized the way payments are made digitally. 

UPI allows multiple bank accounts to work on a single mobile application for fund transfer, merchant payments, and collections which can be scheduled and paid as per convenience. 

The safe and secure digital payment method has transformed the daily transactions for individuals and businesses.

However, there are daily limitations associated with UPI transactions. These limits vary from one bank to another. For a new UPI user, the daily transaction limit is Rs 5000 for the first 24 hours.

The daily transaction limit for UPI is Rs 1 lakh per day with an exception made for hospitals and educational institutions as they can receive Rs 5 lakh in one day.

You can send up to Rs 2 lakh via UPI for transactions like capital markets, insurance, and foreign inward remittances.

 What makes UPI unique?

The following features of UPI makes it unique:

  • It allows immediate money transfer via mobile 24*7 all days of the year
  • It gives access to multiple bank accounts from the same application
  • It facilitates single-click payments within no time
  • It enables payments using the customer's Virtual Payment Address or VPA without adding account details like account number, IFSC code, etc.
  • It eliminates the need to carry cash or dependency on ATMs for immediate payments¬†
  • It provides a QR code (scan and pay) for payments and collections both
  • It allows merchant payment with a single application or in-app payments
  • It helps pay utility bills and make over-the-counter payments
  • It is user-friendly and helps resolve queries on the app itself

 What Are UPI Transaction Limits?

The transfer of a specific amount via UPI from an individual to another or a business in one day is defined as a UPI transaction limit. These limits have been defined to safeguard transactions and stop the misuse of payment services.

Why is there a need for UPI Transaction Limits?

The voluminous UPI transactions that take place daily are prone to fraud and misuse. Apart from this, there are other factors like operational efficiency and regulatory compliance which add to the worries. Let us know all the factors influencing UPI transaction limits.

Security: The first and foremost reason behind UPI transaction limits is to mitigate the risk of fraud associated with these transactions. In case a user’s account details are leaked, the limits defined can reduce the financial loss. 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 huge amount of UPI transactions need to be managed efficiently and that load has to be controlled for these transactions to process smoothly and swiftly. 

User Protection: The UPI transaction limits protect the user from transacting huge amounts unintentionally and therefore avoiding blunders. The limits allow the user to transact securely.

Responsible Usage: Defining UPI transaction limits encourages responsible behavior and not overspending in a hasty situation.

Let us know the UPI transaction limits for a day, a week, and a month.

UPI Transaction Limit Per Day

The UPI transaction limit for a day has been defined by individual banks in the UPI network and differs from one bank to another. For example, the Axis Bank transaction limit per day is Rs 1,00,000.

UPI Transaction Limit Per Week

Certain banks have defined the amount that can be transferred via UPI weekly. For example, the IDFC allows UPI transactions of up to Rs 1,00,000 weekly.

UPI Transaction Limit Per Month

Some private banks and public banks have defined a UPI transaction limit for monthly usage. 

Follow the table below to know the UPI limit of private and public banks in 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
1,00,000
1,00,000
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
Mergerd 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
1,00,000
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
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

(Rs 5000 for new customers)

100000
Himachal Pradesh Gramin Bank
RRB
PNB
50,000
50,000
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
20,000
20,000
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
50,000
1,00,000
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
Tamilnadu Mercantile Bank
Private
NA
100000
100000
Telangana Gramin Bank
RRB
SBI
25000
100000
Telangana State Co-Operative Apex Bank
Cooperative
IDBI
10000
1,00,000
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
The Kalyan Janta Sahkari Bank
Cooperative
NA
100000
100000
The Lakshmi Vilas Bank Limited
Private
NA
100000
100000
The Mahanagar Co-Op. Bank Ltd
Cooperative
NA
25000
50000
The Malad Sahakari Bank Ltd
Cooperative
PMCO
10000
50000
The Mehsana Urban Co-Operative Bank
Cooperative
NA
100000
100000
The Municipal Co-Op Bank Ltd
Cooperative
NA
5000
50000
The Muslim Co-Operative Bank Ltd
Cooperative
HDFC
100000
100000
The Nainital Bank Ltd
Private
NA
20000
40000
The Ratnakar Bank Limited
Private
NA
25000
25000
The Saraswat Co-Operative Bank
Cooperative
NA
100000
100000
The Surat People’s Co-Op. Bank Ltd
Cooperative
NA
25000
100000
The Sutex Co-Op Bank
Cooperative
ICICI Bank
100000
100000
The SVC Co-Operative Bank Ltd
Cooperative
NA
10000
20000
The Thane Janta Sahakari Bank Ltd (TJSB)
Cooperative
NA
100000
100000
The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd
Cooperative
ICICI Bank
100000
100000
The Udaipur Mahila Urban Co-Op Bank Ltd
Cooperative
NA
100000
100000
The Urban Cooperative Bank Ltd Dharangaon
Cooperative
ICICI Bank
20000
25000
The Varachha Co-Op Bank Ltd
Cooperative
NA
20000
40000
The Vijay Cooperative Bank Ltd
Cooperative
ICICI Bank
20000
200000
The Vishweshwar Sahakari Bank Ltd
Cooperative
NA
100000
100000
Tripura Gramin Bank
RRB
SBI
10000
10000
UCO Bank
Public Sector Bank
NA
100000
100000
Ujjivan Small Finance Bank Limited
Small Finance Bank
NA
50000
100000
Union Bank of India
Public Sector Bank
NA
100000
200000
United Bank of India
Public Sector Bank
NA
25000
60000
Uttarakhand Gramin Bank
RRB
SBI
25000
100000
Vananchal Gramin Bank
RRB
SBI
20000
20000
Vasai Vikas Co-Op Bank Ltd
Cooperative
NA
100000
100000
Vijaya Bank
Public Sector Bank
NA
25000
50000
YES Bank
Private
NA
100000
100000

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

PhonePe’s UPI Limit Per Day

The PhonePe UPI transaction limit for a day is Rs. 1,00,000. A user can undertake 20 transactions in 24 hours on the PhonePe app.

Google Pay’s UPI Limit Per Day

The GPay UPI limit per day is Rs. 1,00,000 for all banks. A user must abide by the limit defined by the bank for UPI transactions.

BHIM UPI Limit Per Day

NPCI has defined a daily limit of Rs 1,00,000 for BHIM UPI apps. If the user exceeds the defined limit in a day, they can initiate additional BHIM UPI transactions the next day.

Paytm UPI Limit Per Day

Paytm UPI transactions adhere to a daily limit of Rs. 1 lakh (Rs. 100,000) for all users, with new users initially limited to Rs. 5,000 within the first 24 hours.

SBI UPI Transaction Limit Per Day

The daily transaction limit of UPI via SBI 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 Limit Per Day

The UPI limit for each transaction via ICICI bank is Rs. 1,00,000. Users can make 10 transactions in 24 hours.

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

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.

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.

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.

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

Is it possible to change my UPI transaction limits?

The government has defined these UPI transaction limits and they cannot be changed on individual’s demands.

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.

UPI Transaction Limit: SBI, HDFC, ICICI, & PhonePe (Updated 2024 List)

UPI Transaction Limit

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