Tired of your UPI limits? Unable to shop, travel, pay credit card bills, or pay insurance via UPI? Well, good news, that won’t be a problem anymore, because the new limits are effective from 15 September 2025. According to the Government of India Press Information Bureau, about 640 million transactions are made every day. Such is the big deal with digital payments in India. Well, this substantial number is what is driving NPCI (National Payments Corporation of India, the body behind UPI) to change the limits. So, what do the new limits look like? Can you now happily transfer more than 1 lakh a day, or is that still unchanged? Learn all the new limits below.
New UPI Limits and Why Should They Matter to You?
Let's say paying insurance premiums, IPO, or travel booking for your whole family or friends group that's costing you more than 1 lakh. You couldn't do it with the current UPI limits. The only resort was to use NEFT/RTGS/net banking, which takes time. And at times, people get fined for the delay in pay. With these new UPI limits, you will not have such problems starting September 15, 2025.
You can make any instant, high-value payments directly from your UPI app, especially for:
✅ Big insurance premiums
✅ Large investments (stocks, IPOs, mutual funds)
✅ Government contracts/payments
✅ Costly travel bookings
✅ Jewellery purchases
✅ Credit card bills
The New Limits (Category-Wise)
Capital Markets & Investments (like buying shares, mutual funds, IPOs)
- It's ₹5 lakh per transaction.
- And an overall daily limit of ₹ 10 lakh.
Insurance Premium Payments
- You can make ₹5 lakh per transaction.
- And a ₹10 lakh daily limit.
Government e-Marketplace (GeM – govt. procurement portal)
- About ₹5 lakh per transaction.
- And a ₹10 lakh daily limit.
Travel Bookings (including flights, trains, hotels, etc.)
- Now you can enjoy a ₹5 lakh per transaction.
- And a comfortable ₹10 lakh daily limit.
Credit Card Payments
- You can pay up to ₹5 lakh per transaction using credit cards.
- And a daily limit of ₹6 lakh.
Jewellery Purchases
- Pay up to ₹5 lakh per transaction.
- And the limit ends at ₹6 lakh a day.
Business / Merchant Transactions (like large business payments, collections)
- ₹5 lakh per transaction
- You can make ₹5 lakh per transaction.
- And there's no daily cap (meaning unlimited as long as each is ≤ ₹5 lakh).
Foreign Exchange Retail (via BBPS – Bharat Bill Payment System)
- ₹5 lakh per transaction.
- And a ₹5 lakh daily limit.
Digital Account Opening (initial funding for new accounts)
- These account holders can go up to ₹2 lakh per transaction.
- And ₹2 lakh as a daily limit.
New UPI Limits, What’s NOT Changing?
Several are waiting for a limit of more than ₹ 1 lakh a day, but sadly, that's not happening. Your Regular UPI payments (like P2P between two people, a friend, or a shopkeeper) will still be capped at ₹1 lakh per transaction.
And your daily merchant payment (like online or offline shopping) will all remain unchanged.
Why Is NPCI Changing the UPI Limits?
UPI is one of the fastest-growing digital payment systems in the world. NPCI reported 11 billion UPI transactions in August alone. That's a record high number. And according to the Government of India Press Information Bureau, about 640 million transactions are made every day compared to Visa’s 639 million. To meet such a growing demand, the NPCI brought in new changes that will:
✅ Save time for all
✅ Make payments smoother and instant for everyone
✅ Replace old methods (NEFT, RTGS) because they take a long time to process
✅ Help businesses and customers handle large payments digitally
Pankaj Tripathi, Founder and CEO of Vernost, said, "An important turning point in India's digital financial journey has been reached with the increase of the UPI transaction limit to Rs 10 lakh for high-value transactions in sectors like capital markets and insurance. The increase demonstrates an additional level of confidence in the platform's scale and dependability, as UPI processes over 11 billion transactions per month as of August 2025."
Original Article
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