UPI Transaction Limit
If you make big payments like insurance, investment, or online shopping through UPI, then there is an important update for you. From 15 September 2025, there is going to be a big change in the UPI Transaction Limit. This decision has been taken by NPCI (National Payments Corporation of India) to make the digital transactions of more amount easier and safe.
Till now, the transaction limit of the general UPI transaction was Rs 1 lakh. But in certain categories, this limit was very low, due to which the users had trouble. Keeping this in mind, NPCI has now increased the transaction limit to Rs 5 lakh in some selected 12+ categories. Along with this, the total limit (in 24 hours) in many categories has also been increased.
Which category will be affected?
The direct benefit of this change will be those who fill the insurance premium, invest in the stock market, pay credit card bills, shop from government platforms or do transactions related to travel and business. Now in all these, payment of big amount from UPI will be possible.
UPI Transaction Limit Chart (Applied from 15 September 2025)
What will be the effect on Person-to-Person Transaction?
No, the limit of sending money to friends or family will still remain at Rs 1 lakh per transaction. Because this change will be applicable only for a few select categories.
Effective From 15th September, Now Make High-Value Payments Seamlessly with UPI! NPCI has increased the transaction limit to ₹ 10 Lakh within 24 hours for categories like insurance premiums & capital markets, making big payments easier and faster than ever.#Newupilimits pic.twitter.com/semjro8rop
– bhim (@npci_bhim) September 8, 2025
Why changed?
NPCI says that as people are moving towards digital payment, the demand for payment of large amount is also increasing. Therefore, these changes were necessary to make UPI more capable. This will not only give convenience to consumers but it will also prove to be a big boost for business.