New

Swipe

January 5, 2026

Blog |

Explore GST

Basics of GST

UPI Payment Limit: Daily and Transaction Limits Explained

UPI has completely changed how we make payment from groceries and cab rides to rent, shopping, and business transactions. Yet, many users still face failed payments even when their bank balance is sufficient. In most cases, the reason is simple: UPI payment limits.

UPI payment limits determine how much money you can send or receive in a single transaction and in one day. As UPI apps like Google Pay, PhonePe, Paytm, and BHIM become a regular part of daily payments, knowing these limits helps prevent payment failures, delays, and confusion—especially when making high-value payments such as rent, electronics purchases, or business collections.

This article explains UPI daily limits, per-transaction limits, bank-wise variations, and real-world scenarios in a clear and practical way—so you always know how much you can pay and when.

Let’s understand this with a quick real-world scenario.

Imagine this

You’re buying a laptop worth ₹1.25 lakh using UPI. Your bank balance is sufficient, the app works fine—yet the payment fails.

Confusing, right?

The reason is simple: UPI has a daily and per-transaction limit of ₹1 lakh for most users. Even one rupee above that won’t go through. This is one of the most common issues users face with UPI payments.

Standard UPI Payment Limits Set by NPCI

The National Payments Corporation of India(NPCI) sets standard UPI limits applicable across banks and apps.

Standard	UPI Limits (in Rs)
Type of Limit	Maximum Amount
Per transaction limit	1 lakh
Daily transaction limit	1 lakh
Number of transactions per day	20 max

These are default limits. Banks may apply lower limits based on risk and user profile.

Bank-Wise UPI Payment Limits (May Vary)

Different banks apply different UPI limits, even though they follow NPCI guidelines.

Bank Type	Typical Daily Limit in Rs
Public banks (SBI, PNB, BOI)	1 lakh
Private banks (HDFC, ICICI, Axis)	1–5 lakh
New Users (first 24 hours)	5000 – 50000 lakh

UPI Per-Transaction Limit Explained

Most UPI apps allow a maximum of ₹1 lakh per transaction, even if your daily limit permits more.

Transaction Type	Per-Transaction Limit
Regular UPI transfer	₹1,00,000
IPO applications	₹5,00,000
Capital markets & mandates	₹2,00,000
Credit card bill payments	₹1,00,000

Important Note-

For example, if your daily limit is ₹1.5 lakh but the per transaction limit is ₹1 lakh, you cannot send ₹1.5 lakhs in a single transaction you will need to divide it into multiple transactions. You can split the transactions in following ways:

Send ₹1 lakh in the first transaction.

Send the remaining ₹50,000 in the second transaction.

This way, you stay within the per transaction cap while completing the full payment in multiple steps.

UPI Limits for Businesses and Merchants

UPI limits for merchants are different from regular users. These limits depend on the type of merchant UPI account and the business category, not on the transaction type itself.

Merchant Type	Typical Daily Limit
Small merchants	Higher than ₹1 lakh
High-value merchants	Up to ₹5 lakh/day

Let’s understand about this with an example:

A local grocery store using a merchant UPI ID can accept payments from many customers throughout the day. Even if each payment is small, the total daily collections may go beyond ₹1 lakh.

In a similar way, a large retailer or an online e-commerce seller registered as a high value merchant may be allowed to receive UPI payments of up to ₹5 lakh/day. These higher limits help businesses manage regular, high value payments easily, without facing failed transactions or unnecessary delays.

Swipe’s accounting tool for e-commerce makes this process much smoother helping your business stay compliant, organized, and in control.

Key Point : Merchant UPI limits are determined by banks and UPI service providers based on factors such as business size, transaction volume, KYC status, past payment history, and overall risk level.

Special UPI Limits for Certain Payments

NPCI allows higher limits for specific categories:

Category	Maximum Limit
Healthcare payments	Up to ₹5 lakh
Education fees	Up to ₹5 lakh
Government payments	As per guidelines

These limits apply only when the merchant category is correctly registered.

Common Reasons UPI Payments Fail Despite Balance

UPI failures are not always technical. Common reasons include:

Daily limit exceeded

Per-transaction cap crossed

Too many transactions in one day

Bank maintenance windows

knowing about these limits prevents unnecessary failures, repeated attempts, and delays.

What Happens When You Hit the UPI Limit?

When you exceed your limit:

Transaction failed automatically

Money is not deducted

You must wait until the next day or use alternatives

‍Workarounds:

Split payments across two days

Use net banking or card payment

Transfer using a different bank account

How to Check Your UPI Limit

You can check your UPI limits by following below simple and easy steps:

Open your UPI app it can be any app such as Google Pay, PhonePe, Paytm, etc.

Go to Bank Account → UPI Settings

View daily usage or transaction history

Some banks also show remaining limits directly inside the app.

You can learn more about how UPI Payments works by visiting on Understanding UPI Payments on Swipe

Conclusion

UPI payment limits are designed to balance convenience and security. Knowing your daily limit , per transaction limit, and bank-specific rules helps you avoid failed payments and plan large transactions better. It does not matter much if you are a regular user or a business accepting UPI, being aware of these limits makes payments smoother and stress-free.

As digital payments rise, using tools that track transactions, manage UPI payments, and generate QR codes make life easier and error-free. Start with Swipe today as it keeps businesses organised, compliant, and in control of their payments.

FAQs

1. What is the maximum set UPI limit per day?

Usually ₹1 lakh, but it may vary by bank or use case.

2. Can I increase my UPI limit?

Some banks allow higher limits after full KYC, but it’s not guaranteed.

3. Do UPI limits apply to receiving money?

Yes, in some cases total daily transaction value matters.

4. What should I do if a UPI payment fails due to limits?

If a UPI payment fails because of limits, you can wait until the next day, use NEFT/RTGS for large payments, or contact your bank or UPI app support for assistance.

Featured Posts

GST rates and HSN code 0801 for Coconuts, Brazil Nuts, Cashew Nuts

Explanation of Rule 37 of CGST SGST Rules

How to Change Bank Details in GST Portal: A Complete Guide

GST Rates and HSN Code 9502: What You Need to Know About Dolls and Toys

GST Rate & HSN Code 8506 – Primary Cells & Batteries

Why Should We File an Income Tax Return Every Year

Feldspar, Leucite & Others: GST & HSN Code 2529

GST Taxability on Employees' Personal Use of Business Assets

Featured Posts

You might also like

Income Tax notices based on GSTR-2A? Know why

HSN code 5102 explained: GST rate on fine & coarse animal hair

GST on fees remitted to SEBI: Applicability explained