January 6, 2025 · 12 mins read
Santosh Kumar
Unified Payments Interface, or UPI, is one of the most important developments in India's digital payment landscape. It has changed the way people transfer money, pay bills, and perform other financial activities. With the increasing number of UPI transactions, understanding the transaction limits is crucial. This guide will help you learn everything you need to know about how to check UPI transaction limit and how to check per day limit on UPI ID, so that you will be able to easily navigate your UPI account.
UPI is the real-time payment system developed by the National Payments Corporation of India under the name of NPCI. It enables instant payments from one bank account to another using mobile devices. It integrates multiple bank accounts into a single mobile application, thereby making it even easier to make payments; it also supports peer-to-peer and peer-to-merchant transactions. Since it was launched, UPI has transformed how Indians would make digital transactions.
Such systems are a huge success owing to their user-friendliness, accessibility 24/7, and a host of services that include the payment of bills and money transfer to friends and family.
Although UPI is designed to make payments seamless and quick, it has transaction limits imposed both for security and regulatory reasons. The UPI transaction limit is the amount of money that can be transferred in a single transaction. The per-day limit is the maximum amount that can be moved within a 24-hour period. Banks and payment applications use these limitations to safeguard their customers, avoid fraud, and abide by the RBI laws.
Knowing the transaction limit of UPI and how much can be transferred from a UPI ID within a day is pretty essential so that you will not get caught off guard in the process of transfer of payments.This ensures that your money is effectively managed and that there are no ambiguous situations regarding any given transactions.
Generally, UPI transaction restrictions are divided into two categories:
1. Per transaction limit: This is the maximum amount that you can transfer in a single transaction. For instance, if your transaction limit is ₹1 lakh, you cannot send more than that amount in a single transaction, even if you have multiple pending transactions.
2. A Day Limit: Daily limit is a limit which refers to the total number of transactions done within a day (span of 24 hour). This is a stricter limit to make sure that an individual is not sending more than the accepted amount within one day. The limitations vary based on the bank, the type of UPI application utilised, and the type of accounts are being held.
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Knowing your UPI transaction limit is quite essential before making any transactions. Here's how to check your UPI transaction limit across different platforms and banks.
If you have installed a third-party UPI application, such as Google Pay, PhonePe, Paytm, or others, you may quickly determine your transaction limit by going to the app's settings or profile section. Every UPI application displays the maximum amount you can transmit in a single transaction.
1. Google Pay: Open the Google Pay app on your smartphone.
2. Access Profile: Tap on the profile symbol in the top-right corner of the home screen.
3. Go to Bank Account: Scroll down to the "Payment Methods" section and choose your associated bank account.
4. View limitations: Once you tap on your bank account, you will see the restrictions on the transaction for your account, including per transaction and per day. If there are other UPI apps on your device, it is pretty much the same procedure. For viewing the limitation, follow the above procedure and go to the section of accounts or payment methods.
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If you are using third-party UPI applications, you can check for your transaction limit in their respective mobile apps. Many of the leading banks offer their UPI services inside their mobile apps. For example, State Bank of India (SBI), ICICI Bank HDFC, Axis Bank, etc.
1. Log in to the Bank's Mobile App: Use your bank's app and log in using your credentials.
2. Go to the UPI Section: After logging in, go to the UPI section of the app.
3. Check Limits: You should be able to see your UPI transaction limit, including any per-transaction or per-day limits set by the bank.
Some banks have a specific "Limits" section where you can find detailed information about your UPI transaction and withdrawal limits.
If you cannot locate your UPI transaction limit through the app, you can call the customer care of the bank. All banks have a specific helpline for mobile banking issues, and they can help you with information about your UPI transaction limits.
You can also log in to the official website of the bank or even use their online chat facility to ask about your UPI limits.
Knowing your per day limit on UPI ID will also be important while making your transaction plans. You can check your per-day UPI limit with ease almost similar to how you check your per-transaction limit. Let's see how you can check it.
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Most UPI apps let you check your per-day limit and your transaction limit. For example, with Google Pay:
1. Open Google Pay: Open the app.
2. Go to Profile Section: Tap on the profile icon in the top-right.
3. Choose Bank Account: Under "Payment Methods," tap on the bank account you wish to view.
4. View Limits: Your per-day limit should be listed here, showing the maximum amount you can send in a 24-hour period.
For those using their bank's app for making UPI transactions, the process is very much the same as that of checking per-transaction limits. After logging into your bank's mobile banking app, you can go directly to the UPI section, and you should see the per day limit on UPI ID.
Alternatively, you could ring your bank's customer support phone number and ask for an idea of your per-day UPI limit. In fact, banks will also have no qualms about speaking or emailing these details out to you.
For those who want to know the general per-day limits across different banks, you can refer to the National Payments Corporation of India (NPCI) website. Although it may not provide you with the specific limits for your UPI ID, it does provide general guidelines about maximum allowable limits across different financial institutions.
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The following factors influence the UPI limits on your account:
1. Bank Policy: The prime variation is in the limit specified by various banks for transactions through UPI and for the day. For very large and premium/business accounts may have much higher limits and restrictions for regular savings account may more restricted.
2. Account Type: Varying large account types among banks as few accommodate savings, current or even business account types. Usually, business accounts are most likely to have higher limits for the reason of big and significant transactions.
3. KYC Verification: KYC verification increases your UPI limits. Without KYC, your limits may be much lower as KYC verifies your identity and thereby reduces the risk of fraud.
4. Transaction History: If you have a history of consistent transactions with your bank or UPI app, your limits may be adjusted upward. Banks may also assess the frequency and volume of your previous transactions.
5. Upi App Settings: The Limits of transactions differ in all the UPI apps. You can increase the limit of a particular app by activating the account or doing additional verification.
6. Security and Fraud Prevention: This is taken seriously by UPI apps and banks. So, if they suspect an activity, they may restrict the limits of your transactions or even the per-day limit for temporary purposes so that fraud cannot be achieved.
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If you think the limits are not suitable according to your needs, follow these steps to increase UPI limits:
1. Fulfill KYC: To increase your UPI transactions and per-day limits, one of the easiest things that you can do is fulfilling the KYC verification and ensuring that your bank account is fully verified.
2. Upgrade Your Account: If you are holding a low-limits account type, look to upgrade to a premium account. Most banks will have premium or business accounts that carry higher transaction limits.
3. Contact Your Bank: In some situations, you can contact the bank directly and ask to have the UPI limit increased, especially if it is a legitimate need.
4.Multiple UPI IDs: If you are going to do high-volume transactions, you can even create multiple UPI IDs associated with different accounts and do separate transactions.
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UPI has made the digital payments faster, easier, and more secure, but there is a need to know the UPI transaction limit and per day limit on UPI ID to have an effective management of one's finances. Now by following the above steps, it is easy to check on the UPI limits as well as to ensure that your transactions are smooth going.
If you feel that your limitations are preventing you from making the most use of this service, upgradation of your account in KYC or contacting support would be an excellent option, and then you would enjoy smooth use of UPI features without any issues.
By knowing how the UPI limits work, you will be out of bounds for crossing beyond the limits set for making transactions. Thus, if you ever need to perform a transaction, first review your limits to avoid coming across a surprise.
1. What is the UPI transaction limit?
The UPI transaction limit is the amount you can send in one go using the Unified Payments Interface (UPI) system. This amount will depend on your bank or the payment service provider you're using and may be dependent on the type of account you have, the type of UPI app you're using, and even your bank's policies.
2. How do I know my UPI transaction limit?
You can follow the following easy steps through which you can check your UPI transaction limit depending upon the platform that you're using.
Through UPI Apps: You can look up your transaction limit under "Bank Account" or "Payment Methods" inside your UPI app, for instance, Google Pay, PhonePe, Paytm, etc.
Through Bank's App: One more way is to do this via the mobile banking application of your bank itself by going into the section on UPI or Payments.
Contacting Customer Support: If you cannot find the limit within the app, you can always contact your bank's customer support for help.
3. How do I check my per day UPI limit?
The per-day UPI limit is the amount of money you can transfer in a 24-hour period. To check this limit:
Through UPI Apps: Look for the "Bank Account" or "Payment Methods" section in your UPI app (Google Pay, PhonePe, etc.) and look for per-day limit details.
Bank's Mobile App: You can find your per-day limit under the UPI section in your bank's app.
Customer Support: If you cannot find the information in the app, call your bank's customer support to ask about your per-day limit.
4. What is the difference between the per-transaction limit and per-day limit?
The per-transaction limit is the amount one can send in a single UPI transaction. The per-day limit, however, is the total amount that you can send through UPI within a 24-hour period, irrespective of the number of transactions. The per-day limit is a cumulative limit for all UPI transactions performed in a day.
5. Can my UPI transaction limit be increased?
Yes, your UPI transaction limits can be increased by following these steps:
Complete KYC: Make sure that your account is fully verified through Know Your Customer (KYC) with your bank. This is one of the most common ways to increase your UPI limits.
Upgrade Your Account: Upgrading to a premium or business account can help raise your transaction limits.
You can request a higher limit from your bank if you need them to do so, although approval would be based on a bank's policy.
6. Are the UPI limits of all banks uniform?
No, limits of UPI transactions are different for all banks. Per transaction and per day limits will be set by each bank. The premium account holder will get higher limits while the limit might be lesser for regular accounts. Besides, third party UPI apps like Google Pay, PhonePe etc. may also have limits in place, even though they may be linked with the same bank.
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