How to increase UPI limit to 200,000?

The National Payments Corporation of India (NPCI) and the RBI set the UPI transaction limits. The standard per-transaction limit is ₹1 lakh. However, a ₹2 lakh limit is applicable for specific transactions like capital markets, insurance, government collections, and foreign inward remittances. Users generally cannot change these regulated limits. To request an increase, you may need to contact your bank or check your UPI application settings, such as on Paytm, which may allow increases by verifying additional KYC details or using a debit card for authorization.