UPI Transaction Limit
Usually when we send money from UPI, there is a limit of 1 lakh rupees. But now from September 15, 2025, this limit has been increased considerably for some special transactions. NPCI has announced this change so that transactions such as paying tax, paying insurance premiums, giving EMI, investing in the stock market can now be paid up to Rs 10 lakh in 24 hours.
Why was this change done?
This year the last date for paying tax is 15 September 2025. Due to this, NPCI has increased the limit of tax related UPI transactions to Rs 5 lakh per transaction and Rs 10 lakh per 24 hours. This will benefit those who want to pay a large amount from UPI, but till now they used to stop due to the limit.
Which transactions will apply to the new limit?
These changes will only be applicable to P2M (Person to Merchant) transactions. That is, when you pay a verified businessman like insurance company, brokerage firm, tax portal or bank etc. At the same time, the limit of P2P (person to person) transaction will still be Rs 1 lakh per day.
In which categories increased limit?
- Tax Payment (MCC 9311): Now 5 lakh rupees can be given from UPI in one time and 10 lakh rupees can be given in 24 hours.
- Insurance and Capital Market: Earlier there was a limit of Rs 2 lakh, now 5 lakh per transaction and 10 lakhs per day.
- Loan EMI, B2B Collection: 5 lakhs per transaction and 10 lakh per 24 -hour limit on all this.
- Credit Card Bill Payment: Earlier, where there was a limit of Rs 2 lakh, now there will be a transaction of Rs 5 lakh per transaction and a daily limit of 6 lakhs.
- Forex (FX Retail): Now a transaction limit of 5 lakhs will be applicable for foreign exchange purchase and sale.
- Digital Account and FD: Exemption of up to 5 lakhs to open digital savings accounts and create FD.
Will these limits be applicable to all banks?
NPCI has asked to apply this limit to all banks, apps and payment service providers (PSPs). However, banks have also been given exemption that they can decide some limits according to their internal policies themselves. That is, it is possible that this limit should not be found immediately in a bank, but most of the banks will implement it from September 15.
What is the limit for IPO?
If you want to bid with UPI in IPO (Initial Public Offering), then keep in mind that the limit will still be Rs 5 lakh per transaction here. A new limit of 10 lakhs will not be applicable for IPO.
Who will benefit from change?
This change will directly benefit big traders and professionals who make tax, insurance or invest from UPI. Also, general consumers who use EMI, FD or digital services will also benefit.