UPI Transaction Limit – What is Maximum Amount You Can Transfer Through UPI?

The max amount through UPI has always been a hot topic ever since UPI was introduced by the National Payments Corporation of India (NPCI). As a revolutionary payment system, UPI has transformed the way Indians transact, making it faster and more efficient. Since UPI is used by most of us daily it’s better to know the UPI transaction limit for better usage.

Understanding the UPI Maximum Limit

From its inception, the UPI maximum limit has undergone various changes. Initially, banks and the NPCI set a cautious limit, but with increasing trust in the system, the maximum amount transfer through upi has seen a gradual increase.

Current UPI Transfer Limit: A Deep Dive

The standard maximum limit of UPI as set by the NPCI stands at ₹1 lakh. However, specific Indian bank UPI limits may vary. Banks might set their own limits which can be equivalent to the standard upi daily limit or sometimes lesser, based on their internal risk evaluations.

Bank Wise UPI Transaction Limit Detail

Bank Name	UPI Transaction limit	UPI Daily Limit
Abhyudaya Co-operative Bank	25000	25000
Adarsh Co-op Bank Ltd	50000	50000
Aditya Birla Idea Payments Bank	100000	100000
Airtel Payments Bank	100000	100000
Allahabad Bank	25000	100000
Allahabad UP Gramin Bank	20000	40000
Andhra Bank	100000	100000
Andhra Pradesh Grameena Vikas Bank	25000	100000
Andhra Pragathi Grameena Bank	10000	20000
Apna Sahakari Bank	100000	100000
Assam Gramin VIkash Bank	5000	25000
Axis Bank	100000	100000
Bandhan Bank	100000	100000
Bank Of Baroda	25000	Not set
Bank Of India	10000	100000
Bank of Maharashtra	100000	100000
Baroda Gujarat Gramin Bank	25000	Not Set
Baroda Rajasthan Kshetriya Gramin Bank	25000	25000
Baroda Uttar Pradesh Gramin Bank	25000	25000
Bassein Catholic Coop Bank	20000	40000
Bhilwara Urban Co operative Bank LTD	25000	25000
Bihar Gramin Bank	Mergerd with DBGB
Canara Bank	100000	100000
Catholic Syrian Bank	100000	100000
Central Bank of india	100000	100000
Chaitanya Godavari Grameena Bank	25000	100000
Chhattisgarh Rajya Gramin Bank	25000	100000
Citibank Retail	100000	100000
City Union Bank	100000	100000
COASTAL LOCAL AREA BANK LTD	50000	100000
Corporation Bank	50000	100000
DBS Digi Bank	100000	100000
DCB Bank	5000	5000
Dena Bank	100000	100000
Dena Gujarat Gramin Bank	NA (Merged)
Deutsche Bank AG (Web Collect)	NA
Dhanlaxmi Bank Ltd	100000	100000
Dombivali Nagrik Sahakari Bank	100000	100000
Equitas Small Finance Bank	25000	100000
ESAF Small Finance Bank	100000	100000
Federal Bank	100000	100000
FINO Payments Bank	100000	100000
G P Parsik Bank	100000	100000
HDFC	100000(RS 5000 for new customer)	100000
Himachal Pradesh Gramin Bank	50000	50000
HSBC	100000	100000
Hutatma Sahakari Bank Ltd	100000	No limit
ICICI Bank	100000	100000
IDBI Bank	100000	100000
IDFC	25000	100000
India Post Payment Bank	25000	50000
Indian Bank	100000	100000
Indian Overseas Bank	50000	100000
IndusInd Bank	100000	100000
J&K Grameen Bank	20000	20000
Jalgaona Janata Sahkari Bank	100000	100000
Jammu & Kashmir Bank	20000	20000
Jana Small Finance Bank	10000	40000
Janta Sahakari Bank Pune	100000	100000
Jio Payments Bank	100000	100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.	25000	200000
Karnataka Bank	100000	200000
Karnataka vikas Gramin Bank	25000	25000
Karur Vysaya Bank	100000	100000
Kashi Gomti Samyut Gramin Bank	100000	100000
Kaveri Grameena Bank	25000	25000
Kerala Gramin Bank	20000	20000
Kotak Mahindra Bank	100000	100000
Langpi Dehangi Rural Bank	10000	100000
Madhya Bihar Gramin Bank	25000	100000
Maharashtra Grameen Bank	25000	100000
Maharashtra state co opp Bank	5000	50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)	10000	25000
Manipur Rural Bank	10000	10000
Maratha co opp Bank	100000	100000
Meghalaya Rural Bank	100000	100000
Mizoram Rural Bank	25000	100000
NKGSB CO-Op. Bank Ltd.	20000	40000
Oriental Bank of Commerce	100000	100000
Paschim Banga Gramin Bank	5000	25000
Paytm Payments Bank	100000	100000
Pragathi Krishna Gramin Bank	20000	20000
Prathama Bank	10000	50000
Punjab and Maharastra Co. bank	100000	100000
Punjab and Sind Bank	10000	10000
Punjab Gramin Bank	10000	25000
Punjab National Bank	25000	50000
Purvanchal Bank	25000	100000
Rajasthan Marudhara Gramin Bank	25000	25000
Rajkot Nagari Sahakari Bank Ltd	100000	100000
Samruddhi Co-op bank ltd	100000	100000
Sarva Haryana Gramin Bank	50000	100000
Sarva UP Gramin Bank	50000	100000
Saurashtra Gramin Bank	20000	100000
Shree Kadi Nagarik Sahakari Bank Ltd.	100000	100000
South Indian Bank	100000	100000
Standard Chartered	100000	100000
State Bank Of India	100000	100000
Suco Souharda Sahakari bank	100000	100000
Suryoday Small Finance Bank Ltd	100000	100000
Suvarnayug Sahakari Bank ltd	100000	100000
Syndicate Bank	10000	100000
Tamilnadu Mercantile Bank	100000	100000
Telangana Gramin Bank	25000	100000
Telangana State Co Operative Apex Bank	10000	100000
Thane Bharat Sahakari Bank	100000	100000
The Cosmos Co-Operative Bank LTD	10000	50000
The A.P. Mahesh Co-Operative Urban Bank	25000	25000
The Ahmedabad District Co-operative Bank Ltd	10000	25000
The Ahmedabad Mercantile Co-op Bank Ltd	100000	100000
The Andhra Pradesh state cooperative	10000	100000
The Baroda Central Co-operative bank ltd.	15000	100000
The Gujarat State Co-operative Bank Limited	50000	100000
The Hasti Co-operative Bank Ltd	100000	100000
The Kalyan Janta Sahkari Bank	100000	100000
The Lakshmi Vilas Bank Limited	100000	100000
The Mahanagar Co-Op. Bank Ltd	25000	50000
The Malad Sahakari Bank Ltd.	10000	50000
The Mehsana Urban Co-Operative Bank	100000	100000
The Municipal Co-op Bank Ltd.	5000	50000
The Muslim Co-Operative Bank Ltd	100000	100000
The Nainital Bank Ltd	20000	40000
The Ratnakar Bank Limited	25000	25000
The Saraswat Co-Operative Bank	100000	100000
The Surat Peoples Co Op. Bank Ltd	25000	100000
The Sutex Co op Bank	100000	100000
The SVC Co-Operative Bank Ltd	10000	20000
The Thane Janta Sahakari Bank Ltd(TJSB)	100000	100000
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd	100000	100000
The Udaipur Mahila Urban Co-op Bank Ltd	100000	100000
The Urban Cooperative Bank Ltd Dharangaon	20000	25000
The Varachha Co-op Bank Ltd.	20000	40000
The Vijay Cooperative Bank Ltd	20000	200000
The Vishweshwar Sahakari Bank Ltd	100000	100000
Tripura Gramin Bank	10000	10000
UCO Bank	100000	100000
Ujjivan Small Finance Bank Limited	50000	100000
Union Bank of India	100000	200000
United Bank of India	25000	60000
Uttarakhand Gramin Bank	25000	100000
Vananchal Gramin Bank	20000	20000
Vasai Vikas Co-op Bank Ltd	100000	100000
Vijaya Bank	25000	50000
YES Bank	100000	100000

Decoding the Factors Behind UPI Daily Limit

There are two primary bodies influencing the UPI daily transaction limit:

• Banks: Every bank has its discretion to determine its daily UPI limit. So, while one bank might offer the full ₹1 lakh, another might cap it at a lesser amount.
• NPCI: NPCI sets the overarching maximum UPI transaction limit. Banks must operate within this predefined limit.

How to Determine Your UPI Transaction Limit Per Day?

Almost all UPI apps display their limit of UPI transfer and the UPI maximum limit per day in the user profile or settings section. For a more precise understanding, users can directly contact their bank’s customer support.

Benefits of Adhering to the UPI Daily Limit

A higher UPI daily limit ensures:

• More extensive purchases without switching payment methods.
• Substantial sums like rent can be transferred without multiple transactions.

Safety First: Transacting within the Maximum UPI Transaction Limit

Despite UPI being secure, one should always:

• Verify the UPI ID before transacting.
• Reconfirm transaction details.
• Never share their UPI PIN.

UPI vs. Other Money Transfer Platforms

While UPI has a limit of UPI transactions per day of ₹1 lakh, other methods like NEFT and RTGS do not have an upper limit. Meanwhile, IMPS, another instant money transfer method, has a max limit of ₹2 lakhs.

Future of UPI Maximum Limit

Given the widespread adoption of UPI and technological advancements, NPCI might reconsider the upi maximum limit per day. With UPI 3.0 on the horizon, there could be a potential rise in the maximum limit for UPI transactions.

Understanding the UPI maximum limit and the daily UPI transaction limit is vital for efficient transactions. As UPI continues to grow, staying updated on the limit of UPI transfer ensures smooth and hassle-free payments. With its mix of safety and convenience, UPI is a testament to India’s digital leap in the financial realm.

Frequently Asked Questions (FAQs) about UPI Transaction Limits