January 7, 2025 · 11 mins read
Santosh Kumar
In India, the Unified Payments Interface (UPI) has gained wide acceptance as a simple and effective way of transferring money. As developed by the National Payments Corporation of India (NPCI), UPI allows the sending and receiving of money through mobile devices within moments. Its most significant selling points are its security, ease of use, and wide acceptance among people and organisations. Still, there are some restrictions on the maximum amount transferable via UPI in one go. These restrictions vary from bank to bank and can be altered under certain circumstances.
In this article, increasing the UPI limit at HDFC will be explained, and the reasons for increasing the limits and a comparison with other banks’ UPI limits will be made. A guide on raising UPI limits with this bank, possible reasons for growing it, and other relevant information will be covered. Increasing the UPI transaction limit with HDFC is a very simple process, which can be attained by using mobile banking, net banking, or customer care. Nevertheless, you should have fulfilled the eligibility criteria for account type and KYC verification to avoid delays in processing your request.
The overall UPI limits in India are the same among different Bank institutions. Thus, for HDFC, the UPI limit for a standard domestic account holder can be rated as one hundred thousand rupees. The scenario is not so different in other places. Here is a comparison of UPI transaction limits in some of the leading banks:
Some Bank's Maximum Limit of Transactions using UPI
1: HDFC Bank ₹ 100,00,000 2: State Bank of India ₹ 100,00,000 3: ICICI Bank ₹ 100,00,000
As a general rule, the average limit for UPI transactions across several banks would be in the range of a hundred thousand rupees, subject to the provisions issued by the Reserve Bank of India. However, select banks may extend greater limits to certain types of premium clients.
Read More:: How to Do Offline UPI Payment
Regarding other banks in the Indian market, it can be underlined that HDFC Bank currently offers a consistent maximum transaction limit of one hundred thousand dollars. However, it should be noted that several factors may cause fluctuations in the limit imposed on the UPI transactions:
Account Type: UPI limits among various banks could be higher for upscale or salary accounts. Customers of HDFC Bank have different account types, including HDFC Smart Pay or HDFC Wealth accounts, which probably have higher limits.
Bank Policies: The RBI guideline claims to only have a maximum limit for each user during every transaction of one lakh or more. Yet banks are able to customize every account, hence providing them with a maximum set limit of their choosing. For this reason, a bank might permit higher limits to be effective for some users.
Special Programs & Offers: There are circumstances where certain banks would offer an increase in the UPI limit but only temporarily and during limited promotions for eligibility criteria that meet it.
With transaction limits set, HDFC has been put up with the most prominent players in the game in India, including ICICI Bank, Axis Bank, and State Bank of India. Nonetheless, Certain HDFC customers with premium accounts might negate this disadvantage since they have a higher limit regarding account type.
Read More:: What is UPI Reference Number?
Now that UPI limits have been explained clearly and how they differ from one bank to the other, it is appropriate to articulate how to increase your UPI limit in HDFC now. You can make use of the methods that are most suitable for you. There are ways in which you can request a limit increase.
The first step in increasing your limit is to check your current UPI limit, which is crucial before making any additions. Here’s how you can do it:
HDFC Mobile Banking App: Access the App and tap on UPI. Your current transaction limit should be visible.
Care Centre: You may wish to call HDFC customer care at 1800 202 6161 or 022 61606161 to seek clarification on your UPI limit.
Net Banking: To access HDFC net banking, go to the UPI section and get details on your limit.
Read More:: How to Change UPI PIN in Google Pay
According to HDFC, customers can request an increased UPI limit but subject to certain conditions:
Premium Accounts: HDFC salary holders or holders of paying premium HDFC accounts like HDFC Smart Pay and HDFC Wealth may qualify for increased limits.
Verification: Additional verification may be required to validate your identity and ensure that the request for the limit extension is genuine.
This is the procedure of increasing the UPI limit using the HDFC Bank mobile application:
Open the app: Start the HDFC banking mobile app and use your details to log in.
Locate the UPI Section: Locate the UPI section of the app.
Limit Increase Request: Search for the option of increasing the UPI transaction limit of individuals.
Give the Details: Specify the details, such as the reason for requesting and any other relevant documents.
Send a Request: Make the request and wait for an acknowledgement from the bank.
Read More:: How to Reset UPI PIN
In case you are not able to boost your UPI transaction limit in HDFC, there are a few options that you can use as replacement tools:
Use Different Payment Options: If the UPI limit is not enough, different techniques like NEFT, RTGS, or IMPS can be used to transmit larger amounts of money.
Lower the Prices of Some Products or Services: In case this is not possible, you can always divide your paymeinto several transactions totaling to the amount the UPI allows. Admittedly, this does not allow one to make one easy paym, but it can still achieve the result.
Read More:: How to Reset UPI PIN on PhonePe
The process of increasing one's UPI transaction limit in HDFC is quite easy but depends on the type of account one possesses, as well as eligibility and verification. To round off this article, I would like to state that it is possible to request a higher UPI transaction limit with HDFC so that making large payments in the future becomes simpler. Understanding your UPI limits and knowing how to increase them can significantly enhance your banking experience and payment convenience. UPI is a useful means of handling basic payments, and knowing the limits and the way to change them can help you optimise the use of this service. For example, one can easily increase their UPI limit using the HDFC mobile banking app, through customer care or by going to the branch. Moreover, increasing your UPI limit allows you to do more significant transactions without difficulties. It’s essential to consider the security aspects of the UPI transactions and remember to initiate the requests only through authorised contacts.By staying updated with HDFC’s policies, you can ensure smooth transactions.
1. Which are the factors affecting UPI transaction limit in HDFC?
Various factors determine the HDFC UPI transaction limit, like account type-these are classified further into salary accounts and premium accounts; depending upon whether it is a personal or business account and also according to the history of your account with the bank. Your increase in limit is dependent upon your banking relationship and the type of verification passed.
2. Whether the UPI limit for individual as well as business accounts can be increased?
Yes, a hike in the UPI transaction limit can be applied by both individual and business accounts; however, the process along with the eligibility criteria will differ based on the kind of account. For a business account, one needs to provide more documentation as opposed to a personal account.
3. How to cancel a request to raise my UPI limit from HDFC?
If you have already applied for an increase in your UPI limit and want to cancel the same, you can get in touch with HDFC Bank's customer care regarding the cancellation process. Alternatively, you can visit your branch to make the required changes if needed.
4. Can I increase my UPI transaction limit if I have an HDFC savings account?
Yes, HDFC allows an increase in UPI limits for a saving account holder; however, it depends upon the savings account type and account activities. If one has a salary account or premium account, then his/her chances will be better for higher UPI limits.
5. How do I know that my HDFC UPI limit request is approved?
Once you have applied for an increase in your UPI limit, HDFC will notify you through SMS, email, or within the mobile banking app. You can check your new limit by visiting the UPI section of the HDFC mobile app or by calling customer care to confirm.
6. Can I increase my UPI limit through HDFC's ATM?
No, the process to increase your UPI transaction limit cannot be done through an ATM. It needs to be done through HDFC’s mobile banking app, net banking, customer care, or by visiting the branch.
7. Are there any restrictions on the frequency of UPI limit increases?
Though no specific restriction exists for the frequency of increasing your UPI transaction limit, banks evaluate such requests very cautiously. Frequent requests can also raise a red flag for the bank, and the bank may check the activities in your account for its legitimacy.
8. Am I eligible to apply for a UPI limit increase if I have a joint account in HDFC?
Yes, if you have a joint account with HDFC, you can apply for an increase in the UPI limit. However, both account holders may be required to provide verification details, and the increase in the limit may depend on the eligibility and approval of both parties.
9. As an NRI account holder, can I apply for a higher UPI limit?
Yes, HDFC has made it possible for a holder of an NRI account to apply for his/her UPI limit upgrade provided they fulfill the corresponding eligibility criteria. NRIs would probably be required to provide documents such as residential proof or employment proof which could slightly differ based upon the NRI account applied.
10. Will the UPI limit of an account operated by me for HDFC automatically increase in case a certain period completes?
No, HDFC does not automatically increase your UPI limit. If you want a higher transaction limit, you have to apply for it through the mobile application, net banking, or at a branch.
11. What is the role of KYC in increasing the UPI transaction limit in HDFC?
Whether or not you are eligible for the UPI transaction limit is partially determined by KYC, or Know Your Customer. If your KYC has not been completed or up to date, then a bank may not allow a higher limit. Ensure full verification of your KYC to avoid delays.
12. Can I increase the HDFC UPI transaction limit for multiple accounts?
Yes, if you have HDFC savings and business accounts as separate accounts, then one can apply for increase limits of UPI limits across all the accounts separately and according to each account. Limit increase will be there if the type of an account is eligible, it means with conditions applied for its eligibility.
13. My UPI limit increase is declined by HDFC for some reason; how would I proceed with resolving an issue?
If your application for increasing the UPI limit is declined, you can contact HDFC customer care for an explanation of the reasons behind the rejection. It may be that the documentation was incomplete or there were eligibility issues or other reasons. You can attempt to rectify the errors and resubmit the application later or use another payment method for large transactions.
These FAQs should help clarify any additional questions about increasing your UPI transaction limit in HDFC and provide guidance on how to go about the process.
Download the app now
Download the app from PlayStore
