UPI Transaction Limits: What Borrowers Should Know Before Paying EMIs

When you pay monthly EMIs, using UPI is like second nature. But what if you reach the transaction limit and the payment fails?

This is why it is important to understand UPI transaction limits per day and per transaction. This helps you plan and manage your payments seamlessly without interruptions.

In this blog, we will help you understand UPI transaction limits, along with tips to manage and optimise UPI transactions.

Understanding UPI Transaction Limits in India

UPI limit is the maximum amount you can transfer in a day using UPI. These limits are set by National Payments Corporation of India (NPCI) to maintain financial security, reduce the risk of fraud, and encourage responsible financial behaviour.

Daily Limit

The daily limit for standard transactions is ₹1,00,000. Additionally, the limit per day to split the amount is up to 20 individual transactions per day.

Banks may set a different cap within the framework.

Also Read: How UPI Is Redefining Instant Loan Repayments in India

Limit Per Transaction

The UPI limit per transaction varies by the transaction type:

• Regular Payments: Up to ₹1,00,000
• UPI 123Pay for feature phones: ₹10,000
• Collect Requests: ₹2,000

Limit Per Month

NPCI has not set transaction limits, but banks may impose their own monthly transaction limit restrictions.

Limit Per Year

There are no yearly transaction limits set. Some banks may limit the transaction amount to manage high-value transactions.

Types of UPI Transaction Limits: Old vs New UPI Users

To ensure secure transactions, the UPI policy limitations for new users are as follows:

• Lower transaction limits for the first few transactions. The limits vary by bank
• For high-value transactions, you might need additional KYC verification
• The banks may increase the transaction limit as your UPI transaction history builds

Also Read: Know Types of UPI Frauds

UPI Limits for Specific Transactions and Sectors

To ensure a smooth payment process, it's essential to be aware of the UPI limits for specific sectors. Here's a quick breakdown of transaction limits:

EMIs and Loan Repayments via UPI: What Borrowers Should Know

The NPCI has recently increased UPI transaction limits, which makes it convenient to pay EMIs. You can pay a large sum at a time, eliminating the need to split larger payments. Plus, transactions will settle faster.

To ensure secure and convenient payments, here's what you should do:

• Review transaction details before authorising the payment
• Do not click on suspicious links or provide your personal information
• Use a secure network when you are paying
• Set up auto payment using the instant loan app so you don't miss any EMI
• The particular policies for EMI and loan repayments via UPI differ by bank, so make sure to check the bank policies

Per-Bank UPI Limits: Why Your Customer’s Limit Differs

• UPI Transaction Limit Variation: Though NPCI sets ₹1 lakh, banks may restrict limits between ₹25,000–₹1 lakh.
• Account Type Impact: Regular accounts get ₹25K–₹50K, premium users ₹75K–₹1 lakh.
• Business Accounts: Often allowed higher limits, usually up to ₹1 lakh.
• Risk-Based Caps: Limits depend on bank policies, user profile, and fraud checks.

How to Check and Manage Your UPI Transaction Limits

To ensure security and frictionless payments, here's how you can check your transaction limits, change your PIN, request a higher limit, and monitor transactions.

Check Transaction Limits

1. Open UPI payment app and visit the profile section
2. Look for the transaction limit option

Change Pin

1. Open your UPI payments app and look for the profile section
2. Search for an option to manage UPI PIN
3. You will be prompted to add debit card details
4. Choose the option to create a UPI PIN
5. Create a strong PIN and re-enter it to confirm

Request For Higher Limit

Contact your bank and request a higher transaction limit. Follow all the verification steps, and if the bank deems it fit, you will get an increase.

Note: You cannot get an increase beyond the limits set by the NPCI.

Monitor Transactions

Check the transaction history through the UPI app or request your bank to get an updated statement.

Also Read: How UPI Credit Line Works & Who Should Use It

Can You Increase Your UPI Transaction Limit?

The UPI transaction limit is generally set by NPCI and your bank, usually capped at ₹1 lakh per day for most users. While you can’t directly increase the base limit, some banks allow higher limits for specific use cases like IPOs or verified merchants. To optimise your UPI transaction limit, maintain a good transaction history, complete KYC, and check bank-specific policies. Using premium or business accounts may also unlock higher limits, depending on your bank’s guidelines.

Tips to Optimise UPI Transactions Within Limits

Here's how you can optimise UPI transactions to ensure payments within limits:

• Split large payments across multiple days
• Verify the transaction limits beforehand
• Use multiple UPI apps for different bank accounts
• Schedule payments through the personal loan app and keep a track of regular transaction count
• Monitor transaction patterns to optimise limits
• If you are a new user, start with small transactions to build a transaction history

Important Regulatory Guidelines Affecting UPI Transaction Limits

RBI sets the overall policy while the governing body manages the system.

One major change announced is to segregate the settlement cycles for both authorised and dispute transactions from November 2025. As a result, transactions will reflect faster in the bank systems.

Additional authentication methods will also be introduced to enhance the customer experience.

Pay Loan EMIs Easily With UPI

With the increased limits, making EMI payments via UPI is now faster and more convenient. Make sure that you check the limits and keep a tab on your transactions to ensure frictionless payments.

The digital-first approach at Hero Fincorp makes it even easier. You get an instant personal loan with their seamless web journey. Plus, you can set up Autopay and track every payment easily.

Visit Hero Fincorp now and manage your personal loan easily.

Frequently Asked Questions

1. How much transaction limit do you get in a UPI transaction per day in 2025?

The maximum transaction limit per day for 2026 is ₹1 lakh.

2. Can I increase my UPI transaction limit if needed?

You cannot increase the transaction limit beyond the one set by NPCI. But if your bank offers a lower cap, you can ask for an increase.

3. Does UPI have monthly or yearly transaction limits?

NPCI has not set monthly or yearly transaction limits, but your bank may set these limits.

4. Are there different UPI limits for new vs existing users?

Yes, banks often increase the transaction limits gradually as the new user completes verification and builds a transaction history.

5. Are merchant transactions subject to different UPI limits than personal transfers?

Yes, merchant transactions for specific categories have different UPI limits than personal transfers.

6. What happens if you exceed the UPI transaction limit?

If you go over your transaction limit, transactions will be declined until the cycle resets.

7. Do UPI transaction limits differ across apps like Google Pay, PhonePe, or Paytm?

Yes, while the overall cap is guided by National Payments Corporation of India, individual apps like Google Pay, PhonePe, and Paytm may impose additional limits based on their internal policies.

8. Are there special UPI limits for IPOs, insurance, or tax payments?

Yes, certain categories such as IPO applications, insurance premiums, and tax payments may have higher limits (up to ₹2 lakh or more) as permitted under specific use cases.

9. Does the UPI transaction limit reset automatically every 24 hours?

Yes, the daily limit resets on a rolling 24-hour basis starting from your first transaction of the day, not necessarily at midnight.

10. Can UPI limits vary based on the bank account type (savings vs current)?

Yes, some banks may offer higher transaction limits for current accounts compared to savings accounts, especially for business-related transactions.

Disclaimer: The information provided in this blog post is intended for informational purposes only. The content is based on research and opinions available at the time of writing. While we strive to ensure accuracy, we do not claim to be exhaustive or definitive. Readers are advised to independently verify any details mentioned here, such as specifications, features, and availability, before making any decisions. Hero FinCorp does not take responsibility for any discrepancies, inaccuracies, or changes that may occur after the publication of this blog. The choice to rely on the information presented herein is at the reader's discretion, and we recommend consulting official sources and experts for the most up-to-date and accurate information about the featured products.