UPI Transaction Limit: Limit Per Day & UPI Issuing Bank Wise Limits

UPI Transaction Limit Per Day GPay UPI Transfer Limit PhonePe UPI Transaction Limit Per Day PayTm UPI Transfer Limit UPI Issuing Bank Wise Limits UPI Transaction Limit: FAQs

There are certain daily and monthly limits to how much one can send and receive money from others using UPI Apps such as Google Pay, PhonePe, SBI Pay, HDFC UPI and so on. However, in some cases limits can differ for UPI apps depending upon the bank itself. At present, the upper limit per UPI transaction is Rs. 1 lakh. The National Payment Corporation of India has set UPI limit per day on daily fund transfers through UPI.

UPI Transaction Limit Per Day

As per the National Payment Corporation of India (NPCI), an individual can make maximum payments of up to Rs. 1 lakh per day through UPI. The UPI payment limit differs from bank to bank. For example, Canara Bank allows Rs. 25,000 UPI limit per day while SBI has set UPI transfer limit to Rs. 1 lakh.

GPay UPI Transfer Limit

Google Pay or GPay allows an individual to make maximum payment up to Rs. 1 lakh per day along with maximum of 10 transaction limit across all the UPI apps and bank accounts.

PhonePe UPI Transaction Limit Per Day

PhonePe is one of the largest payments app company available in 11 Indian languages. Through PhonePe, the maximum UPI transaction limit is up to Rs. 1,00,000. In addition to this, an individual can initiate a maximum of 10 or 20 transaction per day through PhonePe UPI depending upon the transaction limits set by the bank.

PayTm UPI Transfer Limit

PayTm UPI allows a maximum UPI limit of up to Rs. 1 lakh.

UPI Issuing Bank Wise Limits

Bank Name	Bank Type	Sponsor Bank	UPI Transaction Limit	UPI Daily Limit
Abhyudaya Co-Operative Bank	Cooperative	NA	25000	25000
Adarsh Co-Op Bank Ltd	Cooperative	HDFC Bank	50000	50000
Aditya Birla Idea Payments Bank	Payments Bank	NA	100000	100000
Airtel Payments Bank	Payments Bank	NA	1,00,000	1,00,000
Allahabad Bank	Public Sector Bank	NA	25000	100000
Allahabad UP Gramin Bank	RRB	Allahabad	20000	40000
Andhra Bank	Public Sector Bank	NA	100000	100000
Andhra Pradesh Grameena Vikas Bank	RRB	SBI	25000	100000
Andhra Pragathi Grameena Bank	RRB	NA	10000	20000
Apna Sahakari Bank	Cooperative	NA	100000	100000
Assam Gramin VIkash Bank	RRB	United Bank of India	5000	25000
Axis Bank	Private	NA	100000	100000
Bandhan Bank	Private	NA	100000	100000
Bank of Baroda	Public Sector Bank	NA	25000	Not set
Bank of India	Public Sector Bank	NA	10000	100000
Bank of Maharashtra	Public Sector Bank	NA	100000	100000
Baroda Gujarat Gramin Bank	RRB	Bank of Baroda	25000	Not set
Baroda Rajasthan Kshetriya Gramin Bank	RRB	BOB	25000	25000
Baroda Uttar Pradesh Gramin Bank	RRB	Bank of Baroda	25000	25000
Bassein Catholic Co-Op Bank	Cooperative	NA	20000	40000
Bhilwara Urban Co Operative Bank LTD	Cooperative	HDFC	25000	25000
Bihar Gramin Bank	RRB	UCO	Mergerd with DBGB
Canara Bank	Public Sector Bank	NA	10000	25000
Catholic Syrian Bank	Private	NA	100000	100000
Central Bank of India	Public Sector Bank	NA	25000	50000
Chaitanya Godavari Grameena Bank	RRB	Andhra Bank	25000	100000
Chhattisgarh Rajya Gramin Bank	RRB	SBI	25000	100000
Citibank Retail	Foreign Bank	NA	100000	100000
City Union Bank	Private	NA	100000	100000
COASTAL LOCAL AREA BANK LTD	Cooperative	BOM	50000	1,00,000
Corporation Bank	Public Sector Bank	NA	50000	100000
DBS Digi Bank	Foreign Bank	NA	100000	100000
DCB Bank	Private	NA	5000	5000
Dena Bank	Public Sector Bank	NA	100000	100000
Dena Gujarat Gramin Bank	RRB	Dena	NA (Merged)
Deutsche Bank AG (Web Collect)	Foreign Bank	NA	NA
Dhanlaxmi Bank Ltd	Private	NA	100000	100000
Dombivali Nagrik Sahakari Bank	Cooperative	NA	100000	100000
Equitas Small Finance Bank	Small Finance Bank	NA	25000	100000
ESAF Small Finance Bank	Small Finance Bank	NA	100000	100000
Federal Bank	Private	NA	100000	100000
FINO Payments Bank	Payments Bank	NA	100000	100000
G P Parsik Bank	Cooperative	NA	100000	100000
HDFC	Private	NA	100000 (RS 5000 for new customer)	100000
Himachal Pradesh Gramin Bank	RRB	PNB	50,000	50,000
HSBC	Foreign Bank	NA	100000	100000
Hutatma Sahakari Bank Ltd	Cooperative	ICIC Bank	100000	No limit
ICICI Bank	Private	NA	10000 (25000 for Google Pay users)	10000 (25000 for Google Pay users)
IDBI Bank	Public Sector Bank	NA	25000	50000
IDFC	Private	NA	100000	100000
India Post Payment Bank	Payments Bank	NA	25000	50000
Indian Bank	Public Sector Bank	NA	100000	100000
Indian Overseas Bank	Public Sector Bank	NA	50000	100000
IndusInd Bank	Private	NA	100000	100000
J&K Grameen Bank	RRB	J&K	20,000	20,000
Jalgaona Janata Sahkari Bank	Cooperative	NA	100000	100000
Jammu & Kashmir Bank	Private	NA	20000	20000
Jana Small Finance Bank	Small Finance Bank	NA	10000	40000
Janta Sahakari Bank Pune	Cooperative	NA	100000	100000
Jio Payments Bank	Payments Bank	NA	100000	100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd	Cooperative	NA	25000	200000
Karnataka Bank	Private	NA	100000	200000
Karnataka Vikas Grameena Bank	RRB	NA	25000	25000
Karur Vysaya Bank	Private	NA	100000	100000
Kashi Gomti Samyut Gramin Bank	RRB	NA	100000	100000
Kaveri Grameena Bank	RRB	SBI	25000	25000
Kerala Gramin Bank	RRB	NA	20000	20000
Kotak Mahindra Bank	Private	NA	100000	100000
Langpi Dehangi Rural Bank	RRB	SBI	10000	100000
Madhya Bihar Gramin Bank	RRB	PNB	25000	100000
Maharashtra Grameen Bank	RRB	BOM	25000	100000
Maharashtra State Co-Op Bank	Cooperative	NA	5000	50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)	RRB	SBI	10000	25000
Manipur Rural Bank	RRB	SBI	10000	10000
Maratha Co-Op Bank	Cooperative	NA	100000	100000
Meghalaya Rural Bank	Foreign Bank	SBI	100000	100000
Mizoram Rural Bank	RRB	SBI	25000	100000
NKGSB Co-Op. Bank Ltd	Cooperative	NA	20000	40000
Oriental Bank of Commerce	Public Sector Bank	NA	100000	100000
Paschim Banga Gramin Bank	RRB	UCO	5000	25000
Paytm Payments Bank	Payments Bank	NA	100000	100000
Pragathi Krishna Gramin Bank	RRB	NA	20000	20000
Prathama Bank	RRB	NA	10000	50000
Punjab and Maharastra Co-Op Bank	Cooperative	NA	100000	100000
Punjab and Sind Bank	Public Sector Bank	NA	10000	10000
Punjab Gramin Bank	RRB	PNB	10000	25000
Punjab National Bank	Public Sector Bank	NA	25000	50000
Purvanchal Bank	RRB	SBI	25000	100000
Rajasthan Marudhara Gramin Bank	RRB	SBI	25000	25000
Rajkot Nagari Sahakari Bank Ltd	Cooperative	NA	100000	100000
Samruddhi Co-Op Bank Ltd	Cooperative	TJSB	100000	100000
Sarva Haryana Gramin Bank	RRB	PNB	50,000	1,00,000
Sarva UP Gramin Bank	RRB	PNB	50000	100000
Saurashtra Gramin Bank	RRB	SBI	20000	100000
Shree Kadi Nagarik Sahakari Bank Ltd	Cooperative	Yes Bank	100000	100000
South Indian Bank	Private	NA	100000	100000
Standard Chartered	Foreign Bank	NA	100000	100000
State Bank of India	Public Sector Bank	NA	100000	100000
Suco Souharda Sahakari Bank	Cooperative	ICICI Bank	100000	100000
Suryoday Small Finance Bank Ltd	Small Finance Bank	NA	100000	100000
Suvarnayug Sahakari Bank Ltd	Cooperative	HDFC	100000	100000
Syndicate Bank	Public Sector Bank	NA	10000	100000
Tamilnadu Mercantile Bank	Private	NA	20000	100000
Telangana Gramin Bank	RRB	SBI	25000	100000
Telangana State Co-Operative Apex Bank	Cooperative	IDBI	10000	1,00,000
Thane Bharat Sahakari Bank	Cooperative	NA	100000	100000
The Cosmos Co-Operative Bank LTD	Cooperative	NA	10000	50000
The A.P. Mahesh Co-Operative Urban Bank	Cooperative	NA	25000	25000
The Ahmedabad District Co-Operative Bank Ltd	Cooperative	GSCB	10000	25000
The Ahmedabad Mercantile Co-Op Bank Ltd	Cooperative	HDFC Bank	100000	100000
The Andhra Pradesh State Co-Operative	Cooperative	NA	10000	100000
The Baroda Central Co-Operative Bank Ltd	Cooperative	GSCB	15000	100000
The Gujarat State Co-Operative Bank Limited	Cooperative	NA	50000	100000
The Hasti Co-operative Bank Ltd	Cooperative	NA	100000	100000
The Kalyan Janta Sahkari Bank	Cooperative	NA	100000	100000
The Lakshmi Vilas Bank Limited	Private	NA	100000	100000
The Mahanagar Co-Op. Bank Ltd	Cooperative	NA	25000	50000
The Malad Sahakari Bank Ltd	Cooperative	PMCO	10000	50000
The Mehsana Urban Co-Operative Bank	Cooperative	NA	100000	100000
The Municipal Co-Op Bank Ltd	Cooperative	NA	5000	50000
The Muslim Co-Operative Bank Ltd	Cooperative	HDFC	100000	100000
The Nainital Bank Ltd	Private	NA	20000	40000
The Ratnakar Bank Limited	Private	NA	25000	25000
The Saraswat Co-Operative Bank	Cooperative	NA	100000	100000
The Surat People’s Co-Op. Bank Ltd	Cooperative	NA	25000	100000
The Sutex Co-Op Bank	Cooperative	ICIC Bank	100000	100000
The SVC Co-Operative Bank Ltd	Cooperative	NA	10000	20000
The Thane Janta Sahakari Bank Ltd (TJSB)	Cooperative	NA	100000	100000
The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd	Cooperative	ICIC Bank	100000	100000
The Udaipur Mahila Urban Co-Op Bank Ltd	Cooperative	NA	100000	100000
The Urban Cooperative Bank Ltd Dharangaon	Cooperative	ICICI Bank	20000	25000
The Varachha Co-Op Bank Ltd	Cooperative	NA	20000	40000
The Vijay Cooperative Bank Ltd	Cooperative	ICIC Bank	20000	200000
The Vishweshwar Sahakari Bank Ltd	Cooperative	NA	100000	100000
Tripura Gramin Bank	RRB	SBI	10000	10000
UCO Bank	Public Sector Bank	NA	100000	100000
Ujjivan Small Finance Bank Limited	Small Finance Bank	NA	50000	100000
Union Bank of India	Public Sector Bank	NA	100000	200000
United Bank of India	Public Sector Bank	NA	25000	60000
Uttarakhand Gramin Bank	RRB	SBI	25000	100000
Vananchal Gramin Bank	RRB	SBI	20000	20000
Vasai Vikas Co-Op Bank Ltd	Cooperative	NA	100000	100000
Vijaya Bank	Public Sector Bank	NA	25000	50000
YES Bank	Private	NA	100000	100000

Visit the following links to know more about UPI:

Axis Bank UPI ID	Google Pay	UPI Charges
Bank of Maharashtra UPI Limit	HDFC UPI Limit	UPI Full Form
BHIM SBI Pay	ICICI UPI Limit	UPI PIN
BHIM	PNB UPI	Virtual Payment Address
Citibank UPI	Union Bank UPI ID	Whatsapp Payments

UPI Transaction Limit: FAQs

What are the UPI Limit charges levied by the banks?

At present, there are no UPI charges on transaction limit levied by the banks. The UPI transactions can be proceeded free of cost.

What is the BHIM UPI transaction limit?

Individuals can send up to Rs. 100,000 per transaction and a maximum of Rs. 100,000 per day for one bank account. This limit is available as per bank account linked on BHIM.

Can I pay Rs. 3 lakhs via UPI?

No. As per NPCI, the maximum UPI transaction limit is up to Rs. 1 lakh. In case, you want to pay Rs. 3 lakhs apart from UPI, you can use RTGS, IMPS or NEFT to transfer your money.

How to increase UPI limit?

It is impossible to increase UPI limit. The UPI limits have been standardised by the government and individuals have no control over the UPI limit per day.