UPI Transaction Limit 2025: All You Need to Know About Daily, Monthly & Bank-Wise Caps
Unified Payments Interface (UPI) continues to revolutionize digital transactions in India, processing over 18 billion transactions worth ₹24.77 lakh crores in March 2025 alone. As usage surges, users must stay updated with the latest UPI transaction limits across banks, sectors, and payment types.
Let’s dive deep into the updated UPI rules for 2025, including new caps, specialized limits for sectors like education and healthcare, UPI Lite updates, and changes implemented by the NPCI (National Payments Corporation of India).
What Is the Standard UPI Limit in 2025?
As per NPCI guidelines, the default UPI daily limit is ₹1,00,000 per user per day. However, individual banks may impose lower or higher limits based on internal risk assessments and customer profiles.
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Standard UPI Daily Limit: ₹1 lakh
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Per Transaction Limit (for UPI 123Pay): ₹10,000
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Max Transactions Allowed Per Day: 20
High-Value Transactions Allowed via UPI
To support critical payments, UPI allows higher limits in specific categories:
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Education & Healthcare (Verified merchants): Up to ₹5 lakhs per transaction
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Capital Markets, Insurance & Foreign Remittances: ₹2 lakhs per day
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IPO Applications & RBI Retail Direct: Transactions allowed up to ₹5 lakhs
These elevated caps are available only with verified merchants and platforms registered with NPCI.
UPI Limits by Bank in 2025
Banks have their own UPI transfer caps. Some have daily limits, while others set weekly or monthly ceilings. Here’s a quick snapshot of major banks:
| Bank Name | Per Transaction Limit (₹) | Daily Limit (₹) |
|---|---|---|
| Axis Bank | 1,00,000 | 1,00,000 |
| Bank of Baroda | 25,000 | Not Set |
| Canara Bank | 1,00,000 | 1,00,000 |
| ICICI Bank | 10,000 (Google Pay: 25,000) | 10,000 – 25,000 |
| HDFC Bank | 5,000 for new users | 1,00,000 |
| Karnataka Bank | 1,00,000 | 2,00,000 |
| Punjab National Bank | 25,000 | 50,000 |
| SBI | 1,00,000 | 1,00,000 |
| Union Bank | 1,00,000 | 2,00,000 |
| Yes Bank | 1,00,000 | 1,00,000 |
Note: These values may change based on your account type and transaction history.
What’s New in UPI Lite in 2025?
UPI Lite is tailored for small-value offline payments, offering a PIN-free experience for transactions up to ₹1,000.
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Single Transaction Limit: ₹500 (now raised to ₹1,000)
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Wallet Balance Limit: ₹5,000 (was ₹2,000 earlier)
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Auto Top-Up: UPI Lite users can set auto top-ups from their linked account, ensuring uninterrupted payments.
This facility is ideal for regular, low-value purchases like groceries, metro tickets, or snacks.
Interchange Fees for PPI Transactions
If you're using UPI through digital wallets like PhonePe, Amazon Pay, or Paytm, interchange fees may apply for merchant transactions above ₹2,000.
| Category | Interchange Fee (%) |
|---|---|
| Fuel | 0.5% |
| Telecom, Utilities, Education, etc. | 0.7% |
| Supermarkets | 0.9% |
| Insurance, Mutual Funds, Railways | 1.1% |
Note: These charges are paid by the merchant. Small vendors are exempt. Medium merchants pay only for transactions above ₹2,000.
Mandatory Change in UPI Transaction ID Format
From February 1, 2025, NPCI mandates that UPI Transaction IDs must only contain alphanumeric characters.
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Special characters like
@, #, %, $are no longer allowed. -
Non-compliant apps will face auto-declined transactions.
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Developers must update apps to follow NPCI’s new format for standardized and secure payment flows.
UPI Limits on Google Pay in 2025
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Google Pay UPI Limit per Day: ₹1,00,000
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Max Transactions per Day: 20
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Per Transaction Limit: ₹1 lakh
Google Pay limits are in sync with NPCI and vary slightly based on the user’s linked bank account.
Conclusion
With the 2025 UPI updates, users and merchants alike must stay aware of new caps, compliance rules, and payment restrictions. Whether it’s UPI Lite for micro-payments or high-value sector-specific transfers, the system continues to evolve while promoting digital transparency and convenience.
FAQs – UPI Limits in 2025
1. Can I increase my daily UPI limit?
No, UPI limits are set by your bank and NPCI. You cannot manually increase them.
2. What is UPI Lite, and who can use it?
UPI Lite is a low-value payment feature for offline use without UPI PIN. It’s available via supported apps and banks.
3. Why was my UPI transaction declined?
It could be due to exceeding the daily limit, using special characters in transaction ID (post-Feb 2025), or poor network conditions.
4. Is there a monthly limit on UPI transfers?
Some banks apply monthly limits. These vary based on customer category and bank policy.
5. Do merchants have to pay fees on UPI?
Only for PPI-based UPI payments above ₹2,000. Normal bank-to-bank UPI is free for most merchants.
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