UPI transactions have become an essential part of daily life—whether you’re making a quick payment, transferring money, or paying bills. However, many users encounter a common problem:
- “UPI limit exceeded”
- “Daily limit reached”
- “Per-transaction limit crossed”
If your transfers are failing due to limits, this guide explains everything about why UPI limits exist and how you can increase them effectively.
Understanding UPI Transaction Limits
UPI limits are controlled by three main factors:
- NPCI guidelines
- Your bank’s restrictions
- Your UPI app settings (for example, Paytm account settings & KYC status)
- Most banks allow up to:
- ₹1,00,000 per day
- A fixed number of daily transactions
- A fixed per-transaction amount
New users may temporarily have much lower limits, depending on the bank.
Why Your UPI Limit Might Be Low
Your limit may be restricted due to:
- A newly created UPI account
- Recently resetting your UPI PIN
- Incomplete KYC in your UPI app (such as Paytm)
- Bank-level restrictions
- A newly linked bank account
- High number of failed transactions
Once you know the reason, you can take the right steps to increase your limit.
How to Increase UPI Transaction Limit
Below are the most effective and reliable ways to increase your UPI transaction limit.
1. Increase the Limit Through Your Bank
The most important step is to modify your bank’s UPI limit, because the bank is the final authority.
Ways to increase bank limits:
A. Visit your bank branch
Request the staff to increase your UPI daily transaction limit.
B. Use your bank’s mobile banking or net banking
Most banks provide an option to increase UPI limits under:
- UPI services
- Transaction limit
- Fund transfer settings
Once increased, the updated limit automatically applies to your UPI app, including Paytm.
2. Complete Full KYC in Your UPI App (e.g., Paytm)
Some UPI apps apply additional restrictions on users who haven’t completed KYC.
For example, in Paytm:
- Completing Full KYC can enhance your UPI capabilities
- It helps remove temporary restrictions
- It increases the reliability of higher-value transfers
If your UPI limits feel unusually low, check whether your app KYC is complete.
3. Link a Different Bank Account Through Your UPI App
If your current bank’s UPI limit is too low, simply link another bank account to your UPI app.
For example, in Paytm:
- Open Paytm
- Go to UPI & Linked Bank Accounts
- Tap Add Bank Account
- Set your UPI PIN
You can now use the bank account with a higher UPI limit.
4. Avoid Frequent UPI PIN Resets
Resetting your UPI PIN triggers a security cooldown:
- A 24-hour limit drop
- Restrictions on high-value transfers
- Possible failures for repeated transactions
To maintain your full UPI limit, avoid unnecessary PIN resets.
5. Special High-Value Transactions (Up to ₹5 lakh)
For specific categories such as payments to:
- Hospitals
- Educational institutions
Some banks allow UPI transactions up to ₹5 lakh.
To activate this, you need to contact your bank and request a higher category-specific limit.
Once approved, you can make high-value transfers through your UPI app, including Paytm.
Pro Tips to Avoid UPI Limit Errors
- Avoid making transactions back-to-back too quickly
- Ensure a stable internet connection
- Keep your UPI and banking apps updated
- Complete KYC if required
- Spread large payments across different times of the day
- Use a bank that supports higher UPI limits
Conclusion
Increasing your UPI transaction limit is simple once you understand who controls the limit—mainly your bank, supported by settings in your UPI app. Whether you’re using Paytm or any other UPI application, improving your limit involves:
- Requesting a higher bank limit
- Completing full KYC
- Avoiding PIN resets
- Linking a bank account with higher limits
With these steps, you can enjoy smoother, uninterrupted UPI transactions every day.
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