UPI Limit Checker (2026) – Bank Wise & NPCI Limits

The UPI Limit Checker (2026) helps you verify bank-wise, app-wise, and category-wise UPI transaction limits instantly. You can use this tool before making a payment to understand applicable limits and reduce the chances of transaction failure

What is UPI Limit?

UPI stands for Unified Payments Interface. It is a system that allows you to send money directly from your bank account to another person or shop using your phone.

Every UPI payment has a limit. It simply means that there is a maximum amount of money you can send at one go. There is also a limit on how much money you can send in a single day.

These limits are set by NPCI — the National Payments Corporation of India, a government body that runs the UPI system in India. The Reserve Bank of India (RBI) also has a role in the regulation of these rules.

Banks can also set their own limits but they must stay within the maximum cap set by NPCI. So your bank may allow a payment amount that is slightly less than the national maximum. It cannot go higher without approval from NPCI.

What is the Maximum UPI Limit Per Day?

NPCI has set the standard maximum UPI limit per day for normal person-to-person transfers. It is:

• ₹1,00,000 per single transaction
• ₹1,00,000 total in one day (cumulative)
• Up to 20 transactions per day

This means, if you send ₹50,000 to one person, you can still send another ₹50,000 to someone else. But once you hit ₹1 lakh total, you’ll have to wait until the next day.

Important — Higher limits for special categories: From September 15, 2025, NPCI has raised UPI limits for specific payment types like insurance, capital markets, education, healthcare, and government portals. For these verified merchant categories, the per-transaction limit can go up to ₹5,00,000 and the daily limit can go up to ₹10,00,000. These higher limits apply only to payments made to verified merchants — not for regular person-to-person transfers, which remains at a maximum of ₹1 lakh.

New user rule: If you have just activated UPI or changed your device, banks apply a first-24-hour cooling period. During this period, most banks restrict transfers to ₹5,000. This is a safety rule which is not set by NPCI centrally, but most banks follow this individually.

Bank Wise UPI Transaction Limit

Banks can set their own limits within the limit set by NPCI. Therefore some banks may have lower daily limits or lower per-transaction caps than ₹1 lakh. Below is a list of UPI limits of the major banks in the country.

SBI UPI Limit

State Bank of India is India’s largest bank. Here are their commonly reported UPI limits:

• Per transaction: ₹1,00,000
• Daily limit: ₹1,00,000
• Daily transactions: Up to 10 transactions (as per SBI’s own guidelines)

Note: SBI’s daily transaction count limit is often reported as 10, not 20. This is lower than the maximum cap set by NPCI. Always verify on the YONO app or by calling SBI customer care, as this can vary with different account types.

HDFC Bank UPI Limit

HDFC Bank is one of India’s biggest private banks. Their UPI limits are as follows:

• Per transaction: ₹1,00,000
• Daily limit: ₹1,00,000
• Daily transactions: Up to 20

The HDFC UPI limit matches the NPCI standard. Premium account holders like Imperia or Preferred may get different limits based on their relationship with the bank.

ICICI Bank UPI Limit

ICICI Bank’s limits are more complex and depends on which app you use:

• Per transaction: ₹1,00,000
• Daily limit: ₹1,00,000 (via ICICI’s own iMobile Pay app)
• Daily limit via third-party apps (like GPay): Can be as low as ₹10,000–₹25,000
• Daily transactions: Up to 10 transactions (as per ICICI’s official FAQ)

ICICI Bank’s official FAQ states NPCI’s upper limit is ₹1 lakh cumulative. Also, if you are using a third-party app like Google Pay with your ICICI account, you may get a much lower limit than using ICICI’s own iMobile Pay app. So, it is always better use your bank’s own app for maximum limits.

Axis Bank UPI Limit

Axis Bank follows the standard:

• Per transaction: ₹1,00,000
• Daily limit: ₹1,00,000
• Daily transactions: Up to 10 (some sources report this lower than the NPCI maximum of 20)

Axis Burgundy and priority banking customers may get custom limits. For knowing your exact limit check the Axis Mobile app.

PNB UPI Limit

Punjab National Bank has notably lower limits:

• Per transaction: ₹25,000
• Daily limit: ₹50,000
• Daily transactions: Up to 20

This is a significant correction. PNB’s own official FAQ document clearly states: “Per transaction limit: Rs. 25,000. Per day transaction limit: Rs. 50,000.” The earlier version of this article incorrectly stated ₹1 lakh per transaction and ₹1 lakh daily — those numbers were wrong for PNB. PNB customers should plan accordingly if making payments above ₹25,000 in a single go.

Quick Tip: Bank limits vary significantly and can change. Always verify your exact limit directly with your bank or on their official mobile app before making a large payment.

Category Wise UPI Limit

Since September 15, 2025, NPCI has raised UPI limits significantly for certain payment categories. These higher limits apply when paying verified merchants — not for sending money to friends or family.

UPI Limit for Medical Payments

Hospitals and healthcare payments now have a much higher limit:

• UPI limit for medical: Up to ₹5,00,000 per transaction

The hospital must be officially registered and verified under the healthcare merchant category. Not every clinic or pharmacy qualifies for this higher limit. Always check with the hospital before attempting a large UPI payment.

UPI Limit for IPO Applications

Investing in an IPO through UPI? The limit has been set at:

• UPI limit for IPO: Up to ₹5,00,000

This lets retail investors apply for IPOs worth up to ₹5 lakh using UPI mandate. Your broker and bank both need to support this category.

UPI Limit for Education Fees

School fees, college fees, coaching institute payments — these also get a higher limit when the institution is a verified UPI merchant:

• Education UPI limit: Up to ₹5,00,000

The institution must be registered and verified under the education category with NPCI. Government colleges and major universities usually qualify. Smaller private institutions may not.

UPI Tax Payment Limit

Paying your income tax or GST through UPI? The RBI proposed and NPCI enabled:

• UPI tax payment limit: Up to ₹5,00,000

This works through official government portals like the Income Tax e-filing website or the GST portal. Do not try to pay taxes to any unofficial UPI ID.

Insurance Premium UPI Limit

Since September 15, 2025, the insurance limit has been raised:

• Insurance UPI limit: Up to ₹5,00,000 per transaction (up from the earlier ₹2 lakh)

Great for paying large annual premiums. Use the insurer’s official website or app for this. The merchant must be a verified insurer.

Government Payments UPI Limit

Passport fees, driving licence renewal, exam fees — these qualify as government payments:

• Government payment UPI limit: Up to ₹5,00,000

Always use official government portals. Look for .gov.in websites.

Capital Market and Mutual Fund UPI Limit

Since September 15, 2025, capital market and investment limits have increased:

• Capital market / trading: Up to ₹5,00,000 per transaction (daily aggregate up to ₹10,00,000)
• Mutual fund investment: Up to ₹5,00,000 per transaction

Note: The earlier version stated ₹2,00,000 for these categories. That was the pre-September 2025 limit. After NPCI’s circular effective September 15, 2025, these limits have been raised significantly. Use only SEBI-registered brokers and AMFI-registered mutual fund houses for these transactions.

App Wise UPI Limit

Here’s something important to understand. UPI apps do not set their own separate limits. The limits come from your bank. The app connects you to your bank account.

However, there is one important nuance: using your bank’s own app vs. a third-party app can give you very different limits. For example, an ICICI Bank account used via iMobile Pay (ICICI’s own app) may give ₹1 lakh daily, while the same account used on Google Pay might give only ₹10,000–₹25,000 per day.

Always use your bank’s own UPI app for the highest possible limits.

Google Pay UPI Limit

• Per transaction: Up to ₹1,00,000 (depends on your bank)
• Daily limit: Up to ₹1,00,000 across all transactions
• Daily transactions: Up to 20 (depends on your bank)

Google Pay UPI limit is driven by your linked bank account. However, some banks cap limits at a lower amount when accessed via third-party apps like Google Pay. If you are getting a lower limit on Google Pay, switching to your bank’s own app may help.

PhonePe UPI Limit

• Per transaction: Up to ₹1,00,000
• Daily limit: Up to ₹1,00,000
• Daily transactions: Up to 20 (depends on your bank)

PhonePe UPI limit depends on your bank. The app may ask for fingerprint or face unlock for big transactions. If multiple wrong PIN attempts happen, the account may get temporarily locked for safety.

Paytm UPI Limit

Paytm is a bit different because it operates both as a UPI app (connected to your bank) and has its own wallet:

• Per transaction (bank-linked UPI): Up to ₹1,00,000
• Daily transactions: Varies based on your bank and KYC level

Important note: Paytm Payments Bank has faced RBI regulatory actions. If you are using Paytm’s own Payments Bank account, RBI rules limit the account balance to ₹1,00,000 at any time. For UPI transactions linked to other regular banks through Paytm, your bank’s standard limits apply. Full KYC verification is required for maximum limits.

BHIM UPI Limit

BHIM is the official app by NPCI:

• Per transaction: Up to ₹1,00,000
• Daily transactions: Up to 20

BHIM UPI connects directly to your bank. It is a reliable option for transactions up to your bank’s maximum limit. Since it’s NPCI’s own app, it tends to apply the most standard limits with minimal additional restrictions.

Amazon Pay UPI Limit

• Per transaction: Up to ₹1,00,000
• Daily transactions: Up to 20 (varies by bank)

Amazon Pay UPI limits depend on your linked bank. New accounts or first-time large transactions may require additional verification. The limits are bank-driven, not set by Amazon Pay itself.

UPI vs NEFT vs RTGS — Simple Comparison

Not sure which one to use for a big transfer? Here’s a simple breakdown:

The RBI has set no minimum and no maximum for NEFT. Banks may impose their own daily caps, but the NEFT system itself is designed for any transfer amount. RTGS requires a minimum of ₹2 lakh — that part is accurate.

Quick rule: Use UPI for everyday payments under ₹1 lakh. Use NEFT for amounts your bank won’t allow via UPI. Use RTGS for large, urgent transfers above ₹2 lakh.

Safety Tips for UPI Payments

UPI is safe, but fraudsters are clever. Follow these simple rules:

• Never share your UPI PIN with anyone. Not even bank staff or customer care.
• Receiving money never requires your PIN. If someone asks for your PIN to “send you money,” it’s a scam.
• Use official apps only. Download UPI apps from Google Play Store or Apple App Store — not from links sent in messages.
• Verify the UPI ID before sending. Always check the receiver’s name that appears on screen before confirming.
• Don’t scan random QR codes. A QR code shared in a message from an unknown person could take money out of your account.
• Report suspicious activity to your bank immediately. You can also contact the NPCI Helpline or Cyber Crime portal at cybercrime.gov.in.

Frequently Asked Questions

Q1. What is the maximum UPI limit per day in India?
For normal person-to-person transfers, the NPCI standard daily limit is ₹1,00,000 with up to 20 transactions. Some banks like SBI and PNB have lower limits. For special verified categories like medical, education, and insurance, daily limits can go up to ₹10,00,000 (from September 2025).

Q2. Can I send ₹2 lakh through UPI in one go?
Not for a normal personal transfer. The standard per-transaction limit for regular UPI transfers is ₹1,00,000. However, if you’re paying a verified healthcare provider, educational institution, or insurer, the limit can go up to ₹5,00,000 per transaction in those specific categories.

Q3. Is the Google Pay UPI limit different from PhonePe?
Both apps follow your linked bank’s limits. However, your bank may apply a lower limit when accessed through third-party apps compared to its own app. If you need the maximum limit, try using your bank’s official UPI app.

Q4. What is the UPI limit for IPO applications?
NPCI allows up to ₹5,00,000 for IPO applications through UPI. Your bank and registered broker must both support this category.

Q5. Can I pay hospital bills above ₹1 lakh through UPI?
Yes — if the hospital is verified under NPCI’s healthcare merchant category, the UPI limit for medical payments is up to ₹5 lakh per transaction (effective September 2025). Not all hospitals may be registered. Verify with the hospital before attempting.

Q6. Why does my UPI payment fail even though I’m within the limit?
Other reasons include: wrong UPI PIN, server downtime at your bank, internet issues, daily transaction count exceeded, using a third-party app with lower bank limits, or the merchant not being registered for the higher payment category.

Q7. What is the SBI UPI limit per day?
SBI’s commonly reported UPI limit is ₹1,00,000 per day with up to 10 transactions per day (not 20). Always confirm via YONO or SBI customer care, as limits can vary by account type.

Q8. What is PNB’s UPI limit per transaction?
Punjab National Bank has a per transaction limit of ₹25,000 and a daily limit of ₹50,000. This is significantly lower than the NPCI maximum. PNB customers making large payments should use NEFT or RTGS instead.

Conclusion

UPI has made sending money incredibly easy in India. But knowing your actual limits — and understanding that bank limits can vary a lot — helps you plan better and avoid failed payments.

The key takeaways from this fact-checked guide:

• The standard UPI transaction limit is ₹1 lakh per transaction and ₹1 lakh per day for normal transfers.
• Bank limits vary significantly. PNB allows only ₹25,000 per transaction. SBI caps daily transactions at 10. ICICI limits may be much lower on third-party apps.
• From September 2025, special categories like medical, education, insurance, and capital markets can go up to ₹5 lakh per transaction with a ₹10 lakh daily aggregate.
• UPI apps themselves don’t set limits — your bank does. But using your bank’s own app often gives higher limits than third-party apps.
• For large transfers above ₹1 lakh, use NEFT (any amount, free online) or RTGS (minimum ₹2 lakh, immediate).

Use the UPI Limit Checker tool at the top of this page to quickly look up your bank’s limits. And always confirm the final limit with your bank directly before making an important large payment.

Disclaimer: This article is for informational purposes only. UPI limits are subject to change based on NPCI circulars, RBI regulations, and individual bank policies. Always confirm actual limits with your bank before making high-value transactions. This website is not affiliated with NPCI, RBI, or any bank.