The UPI transaction limit varies depending on the bank and the type of transaction. The following are the general limits for UPI transactions:
NPCI has specified in its guidelines that individuals can initiate UPI payments up to Rs 1 lakh per day. However, this limit varies across different banks.
| Banks | Daily transaction limit |
| Canara Bank | Rs 25,000 |
| State Bank of India (SBI) | Rs 1 lakh |
| HDFC Bank | Rs 1 lakh (Rs 5,000 for new users) |
| ICICI Bank | Rs 1 lakh |
| Axis Bank | Rs 1 lakh |
| Bank of Baroda | Rs 25,000 |
- Daily limit: The daily limit for UPI transactions is ₹1 lakh. This limit applies to all UPI transactions, including P2P (peer-to-peer) transfers, P2M (peer-to-merchant) payments, and bill payments.
- Monthly limit: The monthly limit for UPI transactions is ₹3 lakh. This limit applies to all UPI transactions, including P2P transfers, P2M payments, and bill payments.
- Transaction amount: The minimum transaction amount for UPI transactions is ₹1. There is no maximum transaction amount for UPI transactions.
Please note that these are general limits and may vary depending on the bank and the type of transaction. For more specific information, please contact your bank.
Here are some of the factors that can affect the UPI transaction limit:
- Bank: The UPI transaction limit can vary depending on the bank. Some banks have higher limits than others.
- Account type: The UPI transaction limit can also vary depending on the type of account. For example, savings accounts typically have higher limits than current accounts.
- Customer profile: The UPI transaction limit can also be affected by the customer’s profile. For example, customers with a good credit history may have higher limits than customers with a poor credit history.
If you need to send or receive a large amount of money, you may need to contact your bank to increase your UPI transaction limit.
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