February 22, 2025 · 12 mins read
Santosh Kumar
Over the years, UPI has become one of the most preferred means of online payment among both customers and businesses. The National Payments Corporation of India (NPCI) developed the Unified Payment Interface (UPI). UPI allows real-time transfers between personnel accounts, banks and merchant accounts through mobile devices. It also facilitates instant bank-to-bank payments, making online payments convenient and easy. It is the most preferred payment system in India. It is fast, safe, and highly convenient, enabling individuals to initiate instant payments without carrying cash or issuing cheques. However, to maintain the security and efficiency of UPI payments, all banks, including the State Bank of India (SBI), have imposed a specific daily limit. Thus, if you use your SBI UPI ID for business transactions, you may wonder how to increase the UPI limit in SBI. Keep reading to find out!
State Bank of India is the largest public sector bank in India. It offers various banking facilities to its millions of customers. SBI UPI is one such feature that allows SBI customers to make seamless online transactions directly from their bank accounts.
SBI PAY, the State Bank of India's UPI app, is a payment solution that enables account holders to send and receive money from their smartphones with a virtual payment address as an identifier. No additional details other than the Virtual payment address are needed to carry out transactions on this app.
If you want to create a SBI Bank UPI ID, all you need to do is download the YONO SBI app and follow the steps mentioned below:
1: Register your SBI account (if you are a new user).
2: Set up your profile following the on-screen instructions.
3: Click on ‘UPI Services’ under the main menu.
4: Select the SBI bank account you want to link and verify the details.
5: Create a UPI ID or choose one from the list of suggestions.
6: Provide the one-time password (OTP) to verify your UPI ID.
7: Set a UPI PIN.
You now have a functional SBI Bank UPI ID that you can use for your business transactions.
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SBI has a maximum limit of ₹1 Lakh per transaction for UPI payments. Also, the maximum cumulative UPI transactions within a day is capped at ₹1 Lakh.
If you exhaust this limit, you must wait 24 hours before you can continue making payments through your SBI Bank UPI ID. Thus, it is crucial that you plan your payments beforehand so that you can initiate them in a timely manner without having to wait for the limit to be reset.
With a maximum total transaction value of ₹1 lakh, SBI permits up to 10 UPI daily transactions.
Which UPI transaction types have the following limits?
Recent changes from the National Payments Corporation of India (NPCI) allow you to use enhanced UPI transaction limits for specific payment types. These are:
Person to Person (P2P) and Person to Merchant (P2M) Transactions - ₹1 Lakh/transaction per day
Capital Markets and Merchant Collections (includes mutual funds, AMC, broking, EMIs, foreign remittances, credit card bill payments, etc.) - ₹2 Lakh/transaction per day
Educational Institutions and Hospitals - ₹5 Lakh/transaction per day
Income Tax Payments - ₹5 Lakh/transaction per day
IPO Applications - ₹5 Lakh/transaction per day
Reserve Bank of India’s Retail Direct Schemes - ₹5 Lakh/transaction per day
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Upon activating a new SBI Bank UPI ID, the maximum transaction limit is capped at ₹5,000 for the first 24 hours. New users do not have to do anything to increase this limit. After the 24-hour period is complete, the UPI transaction limit resets to the default ₹1 Lakh threshold.
The maximum SBI UPI transaction limit is Rs.1,00,000. Through the SBI Yono application, you can personalise this limit to suit your financial planning. However, you cannot increase this limit beyond Rs.1,00,000, which the bank authorities have set for UPI transactions.
You can follow the steps below to learn how to change the SBI UPI limit:
Step 1: Open the online banking application of State Bank of India and log in with your credentials.
Step 2: Locate the option ‘UPI Transfer’ from the top menu and tap on it.
Step 3: A new page will open here. Select the option ‘Set UPI Transaction Limit’.
Step 4: Enter your Internet banking password to proceed with the next step.
Step 5: The new page will display your existing UPI transaction limit and spaces for you to set and confirm the new limit.
Step 6: If the existing UPI limit is set to Rs.1,00,000, you cannot increase it as it is the maximum limit. However, you can lower this limit to manage your finances conveniently.
Step 7: In the ‘Enter new UPI transaction limit’ box, enter an amount up to Rs.1,00,000.
Step 8: Re-enter the same amount in the box below for confirmation and click ‘Submit’.
Step 9: After verifying your new SBI UPI limit on the new page, click ‘Confirm’ to proceed.
Step 10: Finally, you will receive an OTP on your registered mobile number. Enter the same in the given space to successfully set a new UPI transaction limit.
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1: Download the SBI Card Mobile App and access your account
2: You will have to log in via your mobile number and card PIN.
3: Select ‘Manage Card Usage’.
4: Click on 'Manage Card Transactions'.
5: Choose the Transaction category/limit to be modified.
Follow these steps to learn how to increase the transaction limit in YONO SBI;
1: Log in to the YONO Lite app using your User ID, Password, or M-pin.
2: Click the UPI Transfer link above the page after entering your account information.
3: You'll find a setting for "Set UPI Transaction Limit ."To proceed to the next stage, you must enter your profile password in this field. Input the password, then click on the Submit button.
4: You will now see three empty slots that help you determine your UPI transaction cap. The current UPI transaction limit will immediately show up in the provided box. Select your maximum UPI transaction limit in the remaining boxes, and then confirm the new UPI transaction limit.
5: Click the Submit button after entering the desired amounts.
6: Two boxes containing the Existing UPI Transaction Limit and the New UPI Transaction Limit will immediately appear in this new interface. The final step is to confirm it by clicking the button.
7: SBI YONO will then request an OTP be delivered to the cellphone number associated with your SBI bank account to complete this transaction. After entering the OTP, press the Submit button.
8: You'll also receive a notification confirming you successfully set the UPI Transaction Limit.
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1: Take your SBI account passbook, debit card, and photo ID.
2: Request the UPI Limit Increase form.
3: Fill out the form with your name, account number, registered mobile number, and desired limit.
4: Submit the form and documents.
5: Wait for the bank to process your request.
6: Once approved, you will receive a confirmation notification.
7: The processing time can vary from a few hours to a few business days.
8: You can lower your UPI limit, but you cannot increase it above ₹1 lakh.
9: If you exceed your daily UPI limit, you can also use NEFT, IMPS, and RTGS from your internet banking account.
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Follow the below steps to turn UPI on or off:
1: Visit the SBI online banking page.
2: Login with Username and Password.
3: Go to Enable/Disable Accounts for UPI under the Quick Links menu. You will see accounts that can be enabled/disabled.
4: Click on “Submit “
Note: The maximum limit you can set in a savings account is one lakh.
The following factors influence the UPI limits on your account:
Bank Policy: The prime variation is in the limit specified by various banks for transactions through UPI and for the day. Very large and premium/business accounts may have much higher limits, and restrictions for regular savings accounts may be more restricted.
Account Type: There are many different account types among banks, as few accommodate savings, current, or even business account types. Business accounts are most likely to have higher limits due to big and significant transactions.
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.
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.
App Settings: The transaction Limits differ in all UPI apps. You can increase the limit of a particular app by activating the account or performing additional verification.
Security and Fraud Prevention: UPI apps and banks take this seriously. If they suspect an activity, they may temporarily restrict the limits of your transactions or even the daily limit so that fraud cannot be avoided.
Security Tips
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1: Access your bank website only by typing the URL in your browser's address bar.
2: Be aware of downloading any malicious application from mobile application stores (Google Play Store, Apple App Store, Blackberry App World, Ovi Store, Windows Marketplace, etc.) that offer Online Banking. Kindly check their authenticity before downloading by contacting your bank.
3: Do not click on any links in any e-mail message to access the site.
4: SBI or any of its representatives never sends you an e-mail/SMS or calls you over the phone to get your personal information, password or one-time SMS (high security) password. Any such e-mail/SMS or phone call is an attempt to withdraw money from your account through Internet Banking fraudulently. Never respond to such e-mails/SMS or phone calls. Please report immediately to report.phishing@sbi.co.in if you receive any such e-mail/SMS or Phone call. If you have accidentally revealed your credentials, please lock your user access immediately.
5: Do not be lured by an e-mail, SMS, or phone call promising a reward for providing your personal information or for updating your account details on the bank site.
6: Have a Newer version of the Operating System with the latest security patches.
7: The latest version of Browsers (IE 7.0 and above, Mozilla Firefox 3.1 and above, Opera 9.5 and Safari 3.5 and above, Google Chrome, etc.)
8: The firewall should be enabled.
9: Antivirus signatures should be applied.
10: Scan your computer regularly with Antivirus to ensure that the system is Virus/Trojan-free.
11: Change your Internet Banking password at periodical intervals.
12: Always check the last login date and time on the post-login page.
13: Avoid accessing Internet banking accounts from cyber cafes or shared PCs.
14: After you have logged in, you will not be asked to provide your username and login password again. Also, you will not be asked to provide your CREDIT or DEBIT CARD details while using internet banking. If you get a message (such as through a pop-up) asking for such information, please do not provide this information, no matter how 'genuine' the page appears to be. Such pop-ups are most likely the result of malware infecting your computer. Please take immediate steps to disinfect your device.
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Increasing your UPI limit in SBI is not a tough procedure and significantly boosts digital payment capabilities. The SBI YONO app, visiting the branch, or even Internet Banking can help you request an increase with seamless transactions. Always stay informed about your bank's account status and policies to maximise the experience you can have from using UPI.
What is the current transaction UPI limit set by SBI?
SBI has set a current UPI transaction limit of 1,00,000 per transaction and a daily maximum limit of 1 lakh for all UPI transactions.
How can a new user increase the UPI transaction limit in SBI?
New users activating SBI bank UPI ID have a limit of 5,000 for the first 24 hours; after that, it automatically resets to 1 lakh, and no additional actions are required.
How can I increase my UPI transaction limit in the SBI YONO app?
To increase your limit, log in to your YONO app, click the UPI transfer link, set your UPI transaction limit, enter your password, and confirm your new limit. It automatically requests OTP and sends a notification for confirmation.
What to do if I exceed the daily UPI limit?
If you exceed your limit, you need to wait 24 hours for the limit to reset. In the meantime, you can transfer funds through NEFT, IMPS, or RTGS from your internet banking account.
What are the factors that affect the UPI limit in SBI?
Bank policy, account type, KYC verification, transaction history, App settings and security measures to prevent fraud are the factors that influence UPI limit in SBI.
How many transactions can we make in a day using UPI in SBI?
We can make up to 10 daily transactions by not exceeding the limit of 1 lakh.
How long does it take to UPI increase the request limit in the SBI branch?
The processing time can vary from a few hours to several business days, depending on the bank's workload and internal processes.
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