How is the UPI limit calculated?

The UPI limit is primarily determined by the National Payments Corporation of India (NPCI) guidelines. The standard daily limit is ₹1,00,000 across all UPI transactions. Additionally, there are often restrictions on the number of daily transactions (e.g., 20 per day for P2P transactions). Specific banks or transaction types, such as IPO applications, may have higher limits up to ₹5,00,000 per transaction.