Many UPI users get confused between the UPI transaction limit and the daily UPI limit. Although they sound similar, both serve different purposes and impact how much money you can transfer in a single payment or across an entire day. Understanding the difference helps you plan your digital transactions better and avoid payment failures.
What Is a UPI Transaction Limit?
A UPI transaction limit refers to the maximum amount you can send in one single UPI payment.
For example, if the transaction limit is ₹1 lakh, you cannot send more than that amount in a single transfer, even if your daily limit is higher.
Why Transaction Limits Exist
- To prevent accidental high-value transfers
- To reduce the risk of fraud
- To maintain security for large transactions
- To reduce load on banking systems
What Is a Daily UPI Limit?
A daily UPI limit is the maximum amount you can send in total within a 24-hour period.
This includes all transfers combined—person-to-person payments, merchant payments, bill payments, and online purchases.
How Daily Limits Work
If your daily limit is ₹2 lakh, you could:
- Send ₹50,000 four times, or
- Send ₹1 lakh twice, or
- Any combination that stays within ₹2 lakh total for the day
Key Differences Between Both Limits
1. Single Transfer vs. Daily Total
- Transaction limit: Applies to each individual payment
- Daily limit: Applies to the total amount transferred in a day
2. Impact on High-Value Payments
If you try to send a larger amount than the transaction limit, the transfer will fail—even if your daily limit is higher.
3. Reset Timing
Daily limits reset every 24 hours, whereas transaction limits are fixed per payment.
4. Security Purpose
- Transaction limit prevents large unauthorized transfers
- Daily limit stops continuous suspicious activity throughout the day
Why These Limits Are Necessary
Fraud Prevention
Limits make it harder for scammers to steal large sums in a short time.
Transaction Load Management
Banks and UPI systems maintain stability by controlling transaction volume.
User Protection
Mistakenly entering large amounts becomes less risky due to capped limits.
How to Check Your UPI Limits
You can check both limits in your UPI app under the bank account or UPI settings section. These limits are set by your bank and may vary depending on your account type and security policies.
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