UPI Daily Transfer Limit: What You Need to Know
When transferring money using UPI, whether sending or receiving, it is worthwhile to be aware of the amount of money that can be sent or received within one day. The limit that appears every day allows you to arrange your payments, prevent the refusal, and recognize the regulations provided by your bank and the regulatory authority for digital transactions.
Standard Daily Limit for UPI
As per the National Payments Corporation of India (NPCI) guidelines, the general UPI daily Transfer limit is ₹1,00,000 (one lakh) across all UPI apps combined.
In other words, for person-to-person (P2P) or person-to-merchant (P2M) payments under “normal” categories, you should not cross ₹1 lakh in total during a 24-hour window. For example, your bank may allow you 20 transactions per day under this cap.
However, individual banks may impose lower limits depending on their internal policy. So while ₹1 lakh is a standard, check with your bank for the exact figure.
Higher Limits for Special Categories
Some transactions require higher limits because they involve large sums. Hence, for specific categories such as insurance premiums, capital markets, educational or hospital payments, tax payments, IPOs, etc., the limits are increased.
For example:
- The per-transaction limit has been set at up to ₹2 lakh for categories like insurance, collections, and capital markets.
- Recently, from September 2025, for certain select categories, the daily cap has been increased up to ₹5 lakh or even ₹10 lakh in some cases.
This means if you’re paying, say, a large insurance premium or an IPO application via UPI, you may enjoy a higher threshold than standard users.
Why These Limits Matter
1. Security & Fraud Prevention
The daily and per-transaction limits help reduce the risk of fraud, compromised accounts, and large unauthorized transfers.
2. Bank‐wise Variation
Even though NPCI sets standard guidelines, individual banks can set stricter limits (e.g., ₹25,000 or ₹50,000) for new accounts or based on customer risk profile.
3. Payment Planning
Knowing your cap helps you budget large payments (e.g., towards education, travel, or investment) and use alternative methods when needed.
What to Check Before Making a High-Value UPI Payment
- Verify your bank’s UPI daily limit (and per-transaction limit) because it may differ from the standard.
- If your payment falls under a “special category” (insurance, IPO, education, hospital), confirm if the higher limit (₹2–5 lakh or more) applies.
- Ensure your UPI ID or bank account is fully verified (KYC completed) so you don’t face a lower “new user” limit.
- Use UPI during time windows when your bank’s processing is smooth (avoid peak times).
- Keep your UPI PIN safe, don’t share it, and regularly review your linked bank accounts.
Final Words
Although the daily UPI transaction limit in India is ₹1 lakh, the regulations are changing, particularly on big transactions in such categories as investment, insurance, and education, where the daily limit has been increased to up to ₹10 lakh.
Never forget to check with your bank and make an arrangement.
