UPI Transaction Limits 2025: Daily, Monthly & Per-Transaction Caps Explained

byPaytm Editorial TeamLast Updated: September 2, 2025
List of Countries Now Accepting UPI

Synopsis: The National Payments Corporation of India (NPCI) has raised the UPI transaction limit to ₹5 lakh for high-value payments in sectors like tax, healthcare, education, and financial investments. This increase, effective from September 16, 2024, is intended to simplify larger transactions, up from the previous ₹1 lakh limit. The higher limit is specifically for verified merchants in these sectors, while peer-to-peer transfers continue to have a ₹1 lakh cap​

Using UPI has become second nature for most of us—whether it’s paying rent, ordering food, or sending money to friends. But nothing is more frustrating than a failed payment because you’ve hit the limit without even realizing it. That’s why it’s important to know the UPI daily limit, monthly limit, and per-transaction cap. Whether you’re new to UPI or have been using it for years, this guide will clear up common doubts like “How much can I transfer via UPI in a day??” or “Are there different limits for new UPI IDs?”

What Is a UPI ID?

A UPI ID (also known as a Virtual Payment Address or VPA) is a unique identifier that allows users to send or receive money through the UPI system—developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI). It enables safe peer-to-peer (P2P) and peer-to-merchant (P2M) transactions without needing bank account details or IFSC codes.

What Do UPI Daily, Monthly, and Per-Transaction Limits Mean?

  • UPI Daily Limit: This is the maximum amount of money you can transfer through UPI in a single day (24 hours). For example, most banks allow up to ₹1 lakh per day.
  • UPI Monthly Limit: This refers to the total amount you can transfer through UPI in an entire month. Some banks or apps may set a monthly cap in addition to the daily cap.
  • UPI Per-Transaction Limit: This is the maximum amount you can send in a single transaction using UPI. For instance, even if your daily limit is ₹1 lakh, you may not be able to send it all at once because the per-transaction limit could be ₹25,000 or ₹50,000, depending on your bank or app.

In short:

  • Per-transaction limit = max you can send in one go
  • Daily limit = max you can send in 24 hours
  • Monthly limit = max you can send in a month

Defining “Old” vs “New” UPI IDs

Old UPI ID (Existing Users)

An old or existing UPI ID refers to payment addresses that have been actively used for transactions and have completed the initial verification process. These UPI IDs typically enjoy:

  • Full access to standard UPI transaction limits
  • Established transaction history
  • Complete functionality across all UPI services

New UPI ID (New Users)

A new UPI ID belongs to users who have recently registered for UPI services. According to NPCI guidelines, new users may experience:

  • Temporary restrictions called”cooling period” limits immediately after setup—imposed by banks or apps to enhance security.
  • Gradual increase in transaction limits as usage patterns establish
  • Enhanced security verification requirements

UPI Transaction Limits: Complete Overview

Daily Transaction Limits

The UPI daily limit is set at ₹1,00,000 per day for standard transactions, as established by NPCI regulations. This means:

  • Maximum daily transfer: ₹1 lakh across all UPI transactions
  • Limit applies to both Person-to-Person (P2P) and Person-to-Merchant (P2M) payments
  • You can split this amount across up to 20 individual transactions per day
  • Banks may set their own lower limits within this framework

Per-Transaction Limits

The UPI per transaction cap varies based on the type of transaction:

Standard Transactions:

  • Regular UPI payments: Up to ₹1,00,000 per transaction
  • UPI 123Pay (for feature phones): ₹10,000 per transaction
  • Collect requests: ₹2,000 per transaction

Special Category Transactions:

  • Capital markets, insurance, collections: Up to ₹2,00,000 per transaction
  • Initial Public Offering (IPO) and Retail Direct Scheme: Up to ₹5,00,000 per transaction, Source: NPCI

Monthly Transaction Limits

Currently, UPI monthly limit is not explicitly capped by NPCI regulations. However:

  • Your monthly transactions are effectively limited by daily caps (₹1 lakh × 30 days = ₹30 lakhs maximum theoretical monthly limit)
  • Individual banks may impose their own monthly restrictions
  • Enhanced monitoring applies for high-value monthly transactions

UPI New User Limit Considerations

UPI new user limit policies may include:

  • Initial Period Restrictions: Some banks may impose lower limits for the first few transactions
  • Verification Requirements: Additional KYC verification for higher transaction amounts
  • Gradual Limit Enhancement: Transaction limits may increase as transaction history builds
  • Bank-Specific Policies: Each bank may have different onboarding limits for new UPI users

Are There Different Limits for New UPI IDs?Yes, there can be differences:Temporary Restrictions: New UPI IDs may face lower initial limitsProgressive Enhancement: Limits often increase after successful transaction historyBank Discretion: Each bank sets its own new user policiesVerification Timeline: Full limits activated after complete verification

UPI Maximum Transaction Amount by Category

The UPI maximum transaction amount depends on transaction type:

  • Person-to-Person Transfers: ₹1,00,000
  • Merchant Payments: ₹1,00,000
  • Bill Payments: ₹1,00,000
  • Capital Markets: ₹2,00,000
  • Insurance Premiums: ₹2,00,000
  • IPO Applications: ₹5,00,000
  • Government Collections: ₹2,00,000

UPI Transaction Limits (NPCI/RBI Guidelines)

Here’s a consolidated view of UPI limits:

Source: NPCI FAQ, NPCI 123PAY FAQ, NPCI Lite FAQ

Quick Recap

  • Per transaction cap: ₹1 lakh (standard); ₹2 lakh for some sectors; ₹5 lakh for IPOs/Retail Direct.
  • Daily limit: ₹1 lakh per day.
  • UPI 123PAY: ₹5,000 per txn/day (P2P); ₹1 lakh daily for merchant.
  • UPI Lite: ₹1,000/txn; ₹10,000/day; ₹5,000 wallet limit.
  • Monthly limit: Bank-specific—no regulatory standard.
  • New user limit: Bank-defined; no NPCI/RBI rule.

Tips for Managing UPI Transaction Limits

For New Users

  • Complete full KYC verification immediately
  • Start with smaller transactions to build history
  • Contact your bank to understand specific new user policies
  • Monitor your transaction patterns for limit optimization

For Existing Users

  • Understand your bank’s specific daily limits
  • Plan large payments across multiple days if needed
  • Use special category limits for eligible transactions
  • Keep track of daily transaction count (maximum 20)

How Much Can I Transfer via UPI in a Day?

The standard answer is ₹1,00,000, but your actual limit may vary based on:

  • Special Categories: Higher limits available for specific transaction types
  • Bank Policy: Your bank’s internal UPI daily limit settings
  • Account Status: New accounts may have temporary lower limits
  • Transaction History: Consistent usage may unlock full limits

Author

Paytm Editorial Team

The Paytm Editorial Team is a collaborative group of writers, editors, and industry experts. We're dedicated to bringing you the latest insights, news, and guides on digital payments, financial services, and the technology that's shaping India's economy. We offer easy-to-follow guides and insights to help you explore Paytm’s products, features, and services. Our goal is to provide clear, reliable, and helpful information to empower you on your financial journey.

FAQs

What is the current UPI daily limit in 2025?

The UPI daily limit is ₹1,00,000 per day for standard transactions, as set by NPCI. This limit can be used across up to 20 individual transactions per day. However, your bank may set a lower daily limit based on its internal policies.

Is there a difference in UPI transaction limits for new vs existing users?

Yes, new UPI users may face temporary restrictions with lower initial limits. Banks often implement graduated limit increases as new users establish transaction history and complete verification requirements. Existing users with established accounts typically enjoy full access to standard limits.

What is the maximum amount I can transfer in a single UPI transaction?

For regular transactions, the UPI per transaction cap is ₹1,00,000. However, special categories have higher limits: ₹2,00,000 for capital markets, insurance, and collections, and up to ₹5,00,000 for IPO applications and Retail Direct Scheme transactions.

Are there monthly limits for UPI transactions?

NPCI does not specify a separate UPI monthly limit. Your monthly transaction capacity is effectively determined by the daily limit multiplied by the number of days (theoretical maximum of ₹30,00,000 per month). However, individual banks may impose their own monthly restrictions.

Can banks set UPI transaction limits lower than NPCI's maximum?

Yes, banks have the discretion to set UPI transfer limits lower than NPCI's maximum framework. Many banks implement their own daily limits ranging from ₹25,000 to ₹1,00,000 based on their risk assessment policies and customer profiles.
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