UPI Charges Calculator
India 2026 â Know before you pay
đ Last Updated: February 2026
đ
2026 UPI Charge Rates at a Glance
đ¤ Person to Person (P2P)
FREE
đĒ Merchant (Bank-to-Bank UPI)
Usually FREE
đĒ Merchant (Wallet / PPI Funded)
Up to 1.1% (varies)
đ Wallet Load via UPI
1.1%
đŗ Credit Card on UPI
1.5% + 18% GST
1 Select Transaction Type
2 Enter Transaction Amount
âš
â ī¸ Please enter a valid amount (âš1 to âš10,00,000)
3 Calculate Charges
â Frequently Asked Questions
Yes! Person-to-person UPI transfers remain completely free in 2026 as per RBI guidelines. Merchant UPI payments funded directly through a bank account are generally free under current industry practice. Charges may apply depending on funding source such as wallet or credit card.
For merchant payments, the charge (called MDR â Merchant Discount Rate) is typically borne by the merchant, not the customer. However, for wallet loads and credit card on UPI, the charges may be deducted from the transaction amount. Always check with your bank or payment app before transacting.
Credit card transactions involve additional processing costs including interchange fees and credit risk, making them more expensive. Credit card on UPI transactions may attract around 1â2% service fee depending on the issuing bank and payment network. GST of 18% may apply on this service charge depending on the payment provider.
The standard UPI daily limit is âš1,00,000 per day for regular transactions. For certain categories like IPO applications, capital markets, and insurance, the limit may be âš2,00,000 or higher. Individual banks may set their own lower limits. Credit card on UPI limits depend on your card’s credit limit.
GST (18%) applies only to service charges levied on the transaction. Currently, GST is applicable on credit card UPI transactions. Regular P2P and merchant UPI payments that are free do not attract GST. Wallet load charges may also attract GST depending on the wallet provider.
RuPay Credit Cards linked to UPI may have different charge structures compared to Visa/Mastercard credit cards. As per the latest NPCI guidelines, RuPay credit card UPI transactions for small merchants may attract lower charges. Please check with your issuing bank for exact rates applicable to your card.
âī¸ RBI Compliance Disclaimer
This calculator is for informational and educational purposes only. UPI charge rates are based on NPCI/RBI circulars available as of February 2026. Actual charges may vary by bank, payment app, or merchant category. Always verify with your bank or payment service provider before transacting. This tool does not represent any bank, NPCI, or RBI. Charges are subject to change without prior notice. Charge percentages used in this calculator are indicative and based on publicly available industry circulars. This tool does not guarantee accuracy for specific banks, payment apps, or merchant categories. Merchant Discount Rate (MDR) applicability depends on transaction funding source, merchant category, and prevailing NPCI circulars.