What is the UPI per-transaction limit?

The standard UPI per-transaction limit is ₹1,00,000 (1 lakh). However, NPCI has set higher limits for specific categories like IPO applications (₹5 lakh), tax payments, hospital payments, and educational institutions. Banks may set lower limits for their customers. Verify current limits with your bank and NPCI.

What is the UPI daily limit?

The UPI daily limit depends on your bank. Most banks allow ₹1,00,000 per day for standard UPI transactions, but this can vary. Your bank can set higher or lower limits. For specific categories (tax, IPO, hospital), per-transaction limits are higher.

What is the UPI Lite transaction limit?

UPI Lite allows small-value transactions up to ₹500 per transaction without UPI PIN. The UPI Lite wallet can hold a maximum of ₹2,000. These limits are set by NPCI and apply uniformly.

UPI Transaction Limits 2026

NPCI sets the maximum UPI transaction limits. Individual banks may set lower limits for their customers. Limits may vary by payment category.

Source: NPCI official circulars. Limits sourced from published NPCI documentation. Banks may set lower limits. Always verify with your bank app or NPCI.

Limits Data Being Verified

UPI limits data is being extracted from official NPCI circulars and human-verified.

ℹ️ General Information (per publicly available NPCI circulars — verify before use)

Standard UPI

NPCI maximum; banks may set lower

₹1,00,000 per transaction

UPI for IPO / Capital Markets

NPCI enhanced limit for IPO applications

₹5,00,000 per transaction

Tax Payments

NPCI circular — tax payment category

₹5,00,000 per transaction

Hospital / Education Payments

For verified hospitals and educational institutions

₹5,00,000 per transaction

UPI Lite — Per Transaction

No UPI PIN required; offline capable

₹500 per transaction

UPI Lite — Wallet Balance

NPCI limit for UPI Lite wallet

₹2,000 maximum

Verify with NPCI official site

UPI Limits — FAQ

Can banks set a lower UPI limit than NPCI?

Yes. NPCI sets the maximum permitted limit. Individual banks can set lower limits for their customers based on risk assessment and customer profile. Check your bank app for your specific UPI limit.

Are UPI limits the same for all payment apps?

No. UPI limits can vary by payment app (PhonePe, GPay, Paytm) because the underlying limit is set by the bank whose account is linked. The app's own TPAP (Third Party Application Provider) agreement with NPCI may also impose limits.

Does the UPI limit reset daily?

Yes. The daily transaction limit typically resets at midnight. The per-transaction limit is independent of the daily limit. Both apply simultaneously.

Source: NPCI UPI product documentation . Limits are subject to change by NPCI. Verify with your bank or NPCI before making assumptions.

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