Use UPI? Don’t miss these important transaction limits for 2026. Save this post for future reference
As per National Payments Corporation of India (NPCI) guidelines UPI Transactions Limit 2026
| Transaction Category | Every Transaction Limit | Daily/ Total Limit |
| Standard UPI Transactions | Rs. 1 Lakh | Rs. 1 Lakh |
| Capital Markets (Investments) | Rs. 5 Lakh | Rs 10 Lakh |
| Insurance | Rs. 5 Lakh | RS. 10 Lakh |
| Travel | Rs. 5 Lakh | Rs. 10 Lakh |
| Credit Card Payments | Rs. 5 Lakh | Rs. 6 Lakh |
| Collections (EMIs, B2B, Loans) | Rs. 5 Lakh | Rs. 10 Lakh |
| Education & Hospitals | Rs. 5 Lakh | Rs. 10 Lakh |
| IPOs | Rs. 5 Lakh | Rs. 5 Lakh |
All Limits will be applicable verified marchants.
Bank-Wise UPI Daily Transaction Limit
Banks set their own UPI daily transaction limit within NPCI guidelines. Limits may vary based on customer profile, risk controls, and transaction type.
| Bank | Daily UPI Limit | Max Transactions/Day |
| State Bank of India (SBI) | ₹1,00,000 | 10 |
| HDFC Bank | ₹1,00,000 | 20 |
| ICICI Bank | ₹1,00,000 | 10 |
| Axis Bank | ₹1,00,000 | 10 |
| Punjab National Bank (PNB) | ₹1,00,000 | 10 |
| Bank of Baroda | ₹1,00,000 | 10 |
| Canara Bank | ₹1,00,000 | 10 |
| Union Bank of India | ₹1,00,000 | 10 |
| Kotak Mahindra Bank | ₹1,00,000 | 10 |
UPI Transaction Limit on UPI Payment Apps
| App | Daily UPI Limit | Max Transactions/Day |
| PhonePe | ₹1,00,000 | 20 |
| Google Pay (GPay) | ₹1,00,000 | 20 |
| Paytm | ₹1,00,000 | Varies by bank |
| BHIM UPI | ₹1,00,000 | Varies by bank |
UPI 123Pay
UPI 123Pay is ₹10,000.
What is the UPI limit for new users?
₹5,000 during the first 24 hours after registration.
UPI transactions in a day
20 transactions per day.