UPI Limit 2025 – Daily Transaction Limits by Bank & Rules

Abhinand PS
Jul 29
3 min read

🚀 Introduction: UPI is Evolving – So Are Its Limits

Unified Payments Interface (UPI) has transformed the way India transacts — from paying for tea to transferring lakhs online. But with great convenience comes the need for clarity, especially around UPI transaction limits.

In 2025, the UPI limit varies depending on the bank, transaction type (P2P, merchant, credit card, etc.), and platform (PhonePe, GPay, Paytm, etc.). If you’ve ever received the dreaded "UPI limit exceeded" message, you know how frustrating it can be.

Let’s break it all down so you can avoid failed transactions, plan high-value payments, and stay secure.

📊 UPI Daily Transaction Limit in 2025 – Quick Reference Table

Type of Transaction	UPI Limit
Standard P2P (person-to-person)	₹1,00,000 per day
P2M (person-to-merchant)	₹2,00,000 per day (select cases)
Credit Card Bill via UPI	₹1,00,000 (varies by card)
IPO/Investment via UPI	₹5,00,000 (NCPI approved)
UPI Autopay Limit	₹15,000 (recurring)
Transactions per day	20 transactions (average)

🔗 Source: NPCI Official Circulars🧠 Note: Limits vary based on the bank, app, and user KYC status.

🏦 Bank-Wise UPI Limit 2025 – How It Differs

Different banks enforce different limits. Here are examples of popular banks in India:

💳 SBI UPI Limit

Daily limit: ₹1,00,000
Per transaction: ₹1,00,000
Max transactions/day: 10

🏦 HDFC Bank UPI Limit

Daily limit: ₹1,00,000
Per transaction: ₹25,000 (new users), ₹1,00,000 (verified users)

💰 ICICI Bank UPI Limit

Daily cap: ₹1,00,000
Max transactions/day: 20

🔐 Axis Bank UPI Limit

Per transaction: ₹1,00,000
IPO/Investments: ₹5,00,000 (via UPI 2.0)

✅ Tip: Always check your bank’s official app or website for current limits. They may vary based on account type and customer tier.

🛒 Merchant Transactions: Can You Pay Big Bills via UPI?

Yes, but with conditions. UPI for merchants (P2M) allows up to ₹2 lakhs/day in most cases. However:

Transactions for education, healthcare, or government payments often get higher limits.
For credit card bill payments via UPI, the cap is ₹1 lakh per day (RBI guidelines).
Investments like IPOs can go up to ₹5 lakh/day using UPI 2.0 mandates.

🔒 UPI Autopay Limits: What You Need to Know

UPI Autopay is great for subscriptions and EMI payments. But here’s the limit in 2025:

Max value per recurring payment: ₹15,000
Above ₹15,000 requires additional UPI PIN authentication
Works for platforms like OTTs, mutual funds, insurance, and EMIs

🧠 Real-World Experience: Why UPI Limits Matter

Last year, I tried paying my mutual fund SIP via UPI — only to have it bounce back due to exceeding the per-day limit. That’s when I realized:

It’s not just about daily value; frequency and transaction type also matter.

Being informed saved me from late penalties and helped schedule payments across multiple apps and banks.

✅ Tips to Manage UPI Limits Smartly

Link multiple UPI IDs (across different banks)
Verify your KYC to unlock higher limits
Use UPI Lite for small-value transactions (up to ₹500)
Use UPI Credit (via RuPay credit cards) for bigger spends
Track usage using your UPI app's dashboard

🔗 Internal Links

How UPI Credit Cards Work – Complete Guide
Best UPI Apps for 2025 – Secure & Fast

🌐 External Sources for Credibility

NPCI Official UPI FAQ
RBI Digital Payments Guidelines

❓ FAQ: UPI Limit 2025

1. What is the daily UPI transaction limit in 2025?

Most banks allow ₹1 lakh/day for regular UPI transactions. However, for IPOs and investments, NPCI allows up to ₹5 lakhs.

2. Can I increase my UPI limit?

Yes. By completing full KYC and using UPI 2.0-enabled apps/banks, you may access higher transaction caps.

3. What is the limit for UPI Autopay?

₹15,000 per transaction. Beyond that, a one-time UPI PIN authorization is required.

🏁 Conclusion: Stay Informed, Transact Smoothly

As UPI becomes India's default payment mode in 2025, understanding your UPI limits is essential — especially if you run a business, invest online, or rely on autopay.

Stay updated, spread awareness, and always double-check your bank’s policy. A little knowledge can save you from a lot of failed payments.

🔔 Bookmark this blog for updates as UPI rules evolve in 2025.

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