Good News For UPI Users! UPI Transaction Limits Now Raised
In an effort to improve the digital payments in India, the National Payments Corporation of India (NPCI) has increased the limits for UPI transactions. This new change has been in effect since September 15, 2025. This update is very helpful for those users making high-value payments.
Under this new change, now you can send up to Rs 5 lakh per transaction and up to Rs 10 lakh total in a day for capital markets investments, Insurance payments, Government e-Marketplace (EMD Payments), Travelling and collections. For Credit Card payments, the limit is Rs 5 lakh per transaction, and you can pay up to Rs 6 lakh in a day.
For making jewellery payments, you can send up to Rs 1 lakh per transaction and Rs 6 lakh in a day.
For FX Retail payments through BBPS and Digital Account Opening, the limit is Rs 5 lakh per transaction and Rs 5 lakh per day. For payment for a business or merchant, the limit is Rs 5 lakh per transaction. For Digital Account Opening , the limit is Rs 2 lakh per transaction and Rs 2 lakh in a day.
Since UPI is a common and widely used mode of payment, it was important to increase the transaction limits so that users can make large-value payments easily and quickly.
| Category | Enhanced Limits (per transaction) (in Rs) | New Cumulative Limits (24 hours) (in Rs) |
| Capital Markets (Investments) | 5 lakh | 10 lakh |
| Insurance | 5 lakh | 10 lakh |
| Government e-Market Place (GeM Payments) | 5 lakh | 10 lakh |
| Travel | 5 lakh | 10 lakh |
| Credit Card Payments | 5 lakh | 6 lakh |
| Collections | 5 lakh | 10 lakh |
| Jewellery | 5 lakh | 6 lakh |
| Business/ Merchant | 5 lakh | – |
| FX Retail via BBPS | 5 lakh | 5 lakh |
| Digital Account Opening | 2 lakh | 2 lakh |
| Digital Account Opening – Initial Funding | 2 lakh | 2 lakh |
