UPI Transaction limit Per Day – GPay, BHIM, PhonePe

Unified Payments Interface (UPI) has changed the face of money transactions in India. In the initial days of the Covid-19 pandemic, when people were panicking and making emergency withdrawals, UPI was a saviour. It helped people overcome their worries about money and make and receive payments effortlessly.

What is UPI?

UPI is a digital instant payment system developed by the National Payments Corporation of India (NPCI), which is regulated by the RBI. It allows you to transfer money between two accounts. It uses the Immediate Payment Service (IMPS) infrastructure that allows interbank electronic fund transfer 24*7 right from your mobile device.

Important Features Of UPI

UPI offers many beneficial features

1. A user needs to provide their bank details only once while registering their UPI ID.
2. If users have accounts in different banks, they can operate these accounts using a single app.
3. A user can transfer up to INR 1 lakh in a single transaction.
4. A user can schedule transactions such as bills and rents for convenience.
5. A user can use UPI to transfer funds 24*7.
6. All UPI transactions are linked to a user’s Aadhar Card.
7. Each transaction occurs after multiple security checks.
8. A user can transfer funds with one click.

General Limit For UPI Transactions

The NPCI has stipulated a limit for UPI transactions. The current UPI transaction limit is INR 1 lakh. This means that you can make a UPI transaction of up to 1 lakh in a single transaction. 

In March 2020, however, the NPCI issued a circular stating that the UPI transaction limit is INR 2 lakh for verified merchants. Hence, you can transfer up to INR 2 lakh in a single UPI transaction. However, this increase does not apply to other peer-to-peer (P2P) transactions like NEFT.

Similarly, the total number of UPI transactions per day is typically limited to 20. This limit varies across banks. 

UPI Transaction Limit Bank-Wise

The NCPI mandated each bank to set its own UPI transaction limits. While some banks use this feature to allow their customers to transfer as many funds as they want (under INR. 1 lakh), some banks have reduced the transaction limit to protect their customers from illegal withdrawals in case of device theft. 

Hence, the UPI transaction limit is different for different banks. It could be INR 10,000 to INR 1 lakh. If your bank allows you to transfer INR 50,000 a day in not more than five transactions, you will not be able to exceed the amount or number of transactions.

Bank Name	UPI Transaction limit	UPI Transfer Limit (Daily)
Abhyudaya Co-operative Bank	25000	25000
Adarsh Co-op Bank Ltd	50000	50000
Aditya Birla Idea Payments Bank	100000	100000
Airtel Payments Bank	1,00,000	1,00,000
Allahabad Bank	25000	100000
Allahabad UP Gramin Bank	20000	40000
Andhra Bank	100000	100000
Andhra Pradesh Grameena Vikas Bank	25000	100000
Andhra Pragathi Grameena Bank	10000	20000
Apna Sahakari Bank	100000	100000
Assam Gramin VIkash Bank	5000	25000
Axis Bank	100000	100000
Bandhan Bank	100000	100000
Bank Of Baroda	25000	Not set
Bank Of India	10000	100000
Bank of Maharashtra	100000	100000
Baroda Rajasthan Kshetriya Gramin Bank	25000	25000
Baroda Uttar Pradesh Gramin Bank	25000	25000
Bassein Catholic Coop Bank	20000	40000
Bhilwara Urban Co-operative Bank LTD	25000	25000
Canara Bank	10000	25000
Catholic Syrian Bank	100000	100000
Central Bank of India	25000	50000
Chaitanya Godavari Grameena Bank	25000	100000
Chhattisgarh Rajya Gramin Bank	25000	100000
Citibank Retail	100000	100000
City Union Bank	100000	100000
COASTAL LOCAL AREA BANK LTD	50000	1,00,000
Corporation Bank	50000	100000
DBS Digi Bank	100000	100000
DCB Bank	5000	5000
Dena Bank	100000	100000
Dhanlaxmi Bank Ltd	100000	100000
Dombivli Nagari Sahakari Bank	100000	100000
Equitas Small Finance Bank	25000	100000
ESAF Small Finance Bank	100000	100000
Federal Bank	100000	100000
FINO Payments Bank	100000	100000
G P Parsik Bank	100000	100000
HDFC	100000 (RS 5000 for new customer)	100000
Himachal Pradesh Gramin Bank	50,000	50,000
HSBC	100000	100000
Hutatma Sahakari Bank Ltd	100000	No limit
ICICI Bank	10000 (25000 for Google Pay users)	10000 (25000 for Google Pay users)
IDBI Bank	25000	50000
IDFC	100000	100000
India Post Payment Bank	25000	50000
Indian Bank	100000	100000
Indian Overseas Bank	10000	20000
IndusInd Bank	100000	100000
J&K Grameen Bank	20,000	20,000
Jalgaon Janata Sahakari Bank	100000	100000
Jammu & Kashmir Bank	20000	20000
Jana Small Finance Bank	10000	40000
Janata Sahakari Bank Pune	100000	100000
Jio Payments Bank	100000	100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.	25000	200000
Karnataka Bank	100000	200000
Karnataka vikas Gramin Bank	25000	25000
Karur Vysya Bank	100000	100000
Kashi Gomti Samyut Gramin Bank	100000	100000
Kaveri Grameena Bank	25000	25000
Kerala Gramin Bank	20000	20000
Kotak Mahindra Bank	100000	100000
Langpi Dehangi Rural Bank	10000	100000
Madhya Bihar Gramin Bank	25000	100000
Maharashtra Gramin Bank	25000	100000
Maharashtra state co opp Bank	5000	50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)	10000	25000
Manipur Rural Bank	10000	10000
Maratha co opp Bank	100000	100000
Meghalaya Rural Bank	100000	100000
Mizoram Rural Bank	25000	100000
NKGSB CO-Op. Bank Ltd.	20000	40000
Oriental Bank of Commerce	100000	100000
Paschim Banga Gramin Bank	5000	25000
Paytm Payments Bank	100000	100000
Pragathi Krishna Gramin Bank	20000	20000
Prathama Bank	10000	50000
Punjab and Maharashtra Co. bank	100000	100000
Punjab and Sind Bank	10000	10000
Punjab Gramin Bank	10000	25000
Punjab National Bank	25000	50000
Purvanchal Bank	25000	100000
Rajasthan Marudhara Gramin Bank	25000	25000
Rajkot Nagari Sahakari Bank Ltd	100000	100000
Samruddhi Co-op bank ltd	100000	100000
Sarva Haryana Gramin Bank	50,000	1,00,000
Sarva UP Gramin Bank	50000	100000
Saurashtra Gramin Bank	20000	100000
Shree Kadi Nagarik Sahakari Bank Ltd.	100000	100000
South Indian Bank	100000	100000
Standard Chartered	100000	100000
State Bank Of India	100000	100000
Suco Souharda Sahakari bank	100000	100000
Suryoday Small Finance Bank Ltd	100000	100000
Suvarnayug Sahakari Bank ltd	100000	100000
Syndicate Bank	10000	100000
Tamilnadu Mercantile Bank	20000	100000
Telangana Gramin Bank	25000	100000
Telangana State Cooperative Apex Bank	10000	1,00,000
Thane Bharat Sahakari Bank	100000	100000
The Cosmos Co-Operative Bank LTD	10000	50000
The Co-Operative Urban Bank	25000	25000
The Ahmedabad District Co-operative Bank Ltd	10000	25000
The Ahmedabad Mercantile Co-op Bank Ltd	100000	100000
The Andhra Pradesh state cooperative	10000	100000
The Baroda Central Co-operative bank ltd.	15000	100000
The Gujarat State Co-operative Bank Limited	50000	100000
The Hasti Co-operative Bank Ltd	100000	100000
The KalyaCo-opapplya Sahkari Bank	100000	100000
The Lakshmi Vilas Bank Limited	100000	100000
The Mahanagar Co-Op. Bank Ltd	25000	50000
The Malad Sahakari Bank Ltd.	10000	50000
The Mehsana Urban Co-Operative Bank	100000	100000
The Municipal Co-op Bank Ltd.	5000	50000
The Muslim Co-Operative Bank Ltd	100000	100000
The Nainital Bank Ltd	20000	40000
The Ratnakar Bank Limited	25000	25000
The Saraswat Co-Operative Bank	100000	100000
The Surat Peoples Co-Op. Bank Ltd	25000	100000
The Sutex Co-op Bank	100000	100000
The SVC Co-Operative Bank Ltd	10000	20000
The Thane Janta Sahakari Bank Ltd (TJSB)	100000	100000
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd	100000	100000
The Udaipur Mahila Urban Co-op Bank Ltd	100000	100000
The Urban Cooperative Bank Ltd Dharangaon	20000	25000
The Varachha Co-op Bank Ltd.	20000	40000
The Vijay Cooperative Bank Ltd	20000	200000
The Vishweshwar Sahakari Bank Ltd	100000	100000
Tripura Gramin Bank	10000	10000
UCO Bank	100000	100000
Ujjivan Small Finance Bank Limited	50000	100000
Union Bank of India	100000	200000
United Bank of India	25000	60000
Uttarakhand Gramin Bank	25000	100000
Vananchal Gramin Bank	20000	20000
Vasai Vikas Co-op Bank Ltd	100000	100000
Vijaya Bank	25000	50000
Yes Bank	100000	100000

UPI AutoPay Feature 

Most UPI apps have a provision that allows users to schedule their payments. NPCI created this feature to help UPI users pay recurring payments such as electricity bills, EMI, OTT subscription charges, rent, etc. This feature is called AutoPay. 

The UPI and NPCI websites have not declared whether or not these charges will be included in the UPI transaction limits.

UPI Transaction Limits On Different UPI-Enabled Apps

As with banks, different UPI apps have different transaction limits.

• UPI Transaction Limit On Google Pay

Google Pay or GPay is one of the most commonly used UPI apps. These are the different UPI transaction limits in this app:

• A user can transfer up to INR 1 lakh in one day in a single transaction.
• A user can transfer funds up to 10 times across all UPI apps.
• A user can request up to INR 2,000 from other parties.

• UPI Transaction Limit On Phonepe

PhonePe is a popular UPI app that allows instant payment across different channels. These are the different UPI transaction limits for this app:

• A user can transfer up to INR 1 lakh in one day in a single transaction.
• A user can transfer funds up to 20 times across all UPI apps.
• A user can request up to INR 2,000 per day.

• UPI Transaction Limit On BHIM App

The Government of India launched the Bharat Interface for Money (BHIM) app to facilitate easy fund transfers. It allows fund transfers even if the users have a basic mobile device that does not support internet connectivity. Here are the different UPI transaction limits for this app:

• A user can send up to INR 1 lakh per day in a single transaction.
• A user can transfer funds up to 10 times per day across all UPI apps.
• In case of offline transfers, the receiver should also have an active BHIM account.

UPI has made everyone’s life extremely easy. There is no need for you to carry cash every time you step out or cancel a purchase because you do not have enough liquid cash. Within the UPI transaction limit, you can perform any transaction. 

Moreover, with the UPI AutoPay feature, there is little chance of you having to miss out on a payment. This will enable you to enjoy uninterrupted services. 

UPI, along with NEFT and RTGS, has revolutionised the world of money transfer. It is also a matter of pride that India is the first country that has implemented UPI and has advanced this platform in so many ways. When used properly, UPI can grant you unending freedom.

FAQs on UPI transactions

What permissions are required to use UPI apps?

You must have a bank account with a registered bank on the UPI network. Your mobile number should be registered with the bank. When you download a UPI app using a device that has the same phone number, the bank will send you a One-Time Password (OTP). After you verify the app using the OTP, a Virtual Payment Address (VPA) will be created.

Is a separate KYC required to use the UPI feature?

UPI does not need a separate KYC.

Can I reduce the existing UPI transaction limit?

Certain banks allow their customers to limit their transaction amount and the number of transactions. You can find this out by visiting your bank’s website.

What are the charges levied on the UPI transactions?

There are no charges for UPI transactions.

What is the UPI limit for international transactions?

You cannot make international transactions on UPI platforms.

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