UPI Transaction Limits

Check the UPI transaction limits set by banks, NPCI, BHIM and other PSP Apps.

Available in🇮🇳 India

The UPI transaction limits prescribed by banks, NPCI and PSP Apps are provided in the following sections.

NPCI Prescribed Transaction Limits for Merchant Categories

The following table lists the transaction limit for different merchant categories as per NPCI:

Merchant Categories	Transaction Limits (₹)
P2M Transactions	1,00,000
BFSI	2,00,000
Non-verified merchants	Collect payments up to 2,000
MCC 6211 for IPO and purchase of G-Sec through RBI Retail Direct Scheme (RDS)	5,00,000
Healthcare	5,00,000
Education	5,00,000

Limit Set by PSP Apps

Usually, most of the PSP apps allow daily payments of up to ₹1,00,000 or a maximum of 10 transactions per day.

Limit Set by BHIM App

The following table lists the transaction limit set by the BHIM app:

Transactions	Per Transaction Limit (₹)
P2P	40,000
P2M Verified	1,00,000
P2M Non-verified	40,000
Bill Pay	20,000

Other limits

• To protect against fraud, some transactions might get flagged for further review by UPI apps or banks.
• UPI apps have risk engines to flag and block transactions.
• In addition, there is a GPay transaction limit per day depending on your bank.

Bank Prescribed Limits

The following table lists the List of banks with their UPI transaction limits:

S No	Bank Name	Bank Type	Sponsor Bank	UPI Transaction limit	UPI Daily Limit
1	Abhyudaya Co-operative Bank	Cooperative	NA	5,000	25,000
2	Adarsh Co-op Bank Ltd	Cooperative	HDFC Bank	50,000	50,000
3	Aditya Birla Idea Payments Bank	Payments Bank	NA	1,00,000	1,00,000
4	Airtel Payments Bank	Payments Bank	NA	1,00,000	1,00,000
5	Allahabad Bank	Public Sector Bank	NA	25,000	1,00,000
6	Allahabad UP Gramin Bank	RRB	Allahabad Bank	20,000	40,000
7	Andhra Bank Public	Sector Bank	NA	1,00,000	1,00,000
8	Andhra Pradesh Grameena Vikas Bank	RRB	SBI	25,000	1,00,000
9	Andhra Pragathi Grameena Bank	RRB	NA	10,000	20,000
10	Apna Sahakari Bank	Cooperative	NA	1,00,000	1,00,000
11	Assam Gramin Vikash Bank	RRB	United Bank of India	5,000	25,000
12	Axis Bank	Private	NA	1,00,000	1,00,000
13	Bandhan Bank	Private	NA	1,00,000	1,00,000
14	Bank Of Baroda	Public Sector Bank	NA	25,000	Not set
15	Bank Of India	Public Sector Bank	NA	10,000	1,00,000
16	Bank of Maharashtra	Public Sector Bank	NA	1,00,000	1,00,000
17	Baroda Gujarat Gramin Bank	RRB	Bank of Baroda	25,000	Not Set
18	Baroda Rajasthan Kshetriya Gramin Bank	RRB	Bank of Baroda	25,000	25,000
19	Baroda Uttar Pradesh Gramin Bank	RRB	Bank of Baroda	25,000	25,000
20	Bassein Catholic Coop Bank	Cooperative	NA	20,000	40,000
21	Bhilwara Urban Co operative Bank Ltd	Cooperative	HDFC	5000	25000
22	Canara Bank	Public Sector Bank	NA	10,000	25,000
23	Catholic Syrian Bank	Private	NA	1,00,000	1,00,000
24	Central Bank of India	Public Sector Bank	NA	25,000	50,000
25	Chaitanya Godavari Grameena Bank	RRB	Andhra Bank	25,000	1,00,000
26	Chhattisgarh Rajya Gramin Bank	RRB	SBI	25,000	1,00,000
27	Citibank Retail	Foreign Bank	NA	1,00,000	1,00,000
28	City Union Bank	Private	NA	1,00,000	1,00,000
29	Coastal Local Area Bank Ltd	Cooperative	BOM	50,000	1,00,000
30	Corporation Bank	Public Sector Bank	NA	50,000	1,00,000
31	DBS Digi Bank	Foreign Bank	NA	1,00,000	1,00,000
32	DCB Bank	Private	NA	5,000	5000
33	Dena Bank	Public Sector Bank	NA	1,00,000	1,00,000
34	Deutsche Bank AG (Web Collect)	Foreign Bank	NA	NA	NA
35	Dhanlaxmi Bank Ltd	Private	NA	1,00,000	1,00,000
36	Dombivali Nagrik Sahakari Bank	Cooperative	NA	1,00,000	1,00,000
37	Equitas Small Finance Bank	Small Finance Bank	NA	25,000	1,00,000
38	ESAF Small Finance Bank	Small Finance Bank	NA	1,00,000	1,00,000
39	Federal Bank	Private	NA	1,00,000	1,00,000
40	FINO Payments Bank	Payments Bank	NA	1,00,000	1,00,000
41	G P Parsik Bank	Cooperative	NA	1,00,000	1,00,000
42	HDFC Bank	Private	NA	1,00,000	1,00,000
43	Himachal Pradesh Gramin Bank	RRB	PNB	50,000	50,000
44	HSBC	Foreign Bank	NA	1,00,000	1,00,000
45	Hutatma Sahakari Bank Ltd	Cooperative	ICICI Bank	1,00,000	No limit
46	ICICI Bank	Private	NA	10,000 (25000 for Google Pay users)	10000 (25000 for Google Pay users)
47	IDBI Bank	Public Sector Bank	NA	25,000	50,000
48	IDFC First Bank	Private	NA	1,00,000	1,00,000
49	India Post Payment Bank	Payments Bank	NA	25,000	50,000
50	Indian Bank	Public Sector Bank	NA	1,00,000	1,00,000
51	Indian Overseas Bank	Public Sector Bank	NA	10,000	20,000
52	IndusInd Bank	Private	NA	1,00,000	1,00,000
53	J&K Grameen Bank	RRB	Jammu & Kashmir Bank	20,000	20,000
54	Jalgaona Janata Sahkari Bank	Cooperative	NA	1,00,000	1,00,000
55	Jammu & Kashmir Bank	Private	NA	20,000	20,000
56	Jana Small Finance Bank	Small Finance Bank	NA	10,000	40,000
57	Janta Sahakari Bank Pune	Cooperative	NA	1,00,000	1,00,000
58	Jio Payments Bank	Payments Bank	NA	1,00,000	1,00,000
59	Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.	Cooperative	NA	25,000	2,00,000
60	Karnataka Bank	Private	NA	1,00,000	2,00,000
61	Karnataka Vikas Gramin Bank	RRB	NA	25,000	25,000
62	Karur Vysaya Bank	Private	NA	1,00,000	1,00,000
63	Kashi Gomti Samyut Gramin Bank	RRB	NA	1,00,000	1,00,000
64	Kaveri Grameena Bank	RRB	SBI	25,000	25,000
65	Kerala Gramin Bank	RRB	NA	20,000	20,000
66	Kotak Mahindra Bank	Private	NA	1,00,000	1,00,000
67	Langpi Dehangi Rural Bank	RRB	SBI	10,000	1,00,000
68	Madhya Bihar Gramin Bank	RRB	PNB	25,000	1,00,000
69	Maharashtra Grameen Bank	RRB	BOM	25,000	1,00,000
70	Maharashtra State Cooperative Bank	Cooperative	NA	5,000	50,000
71	Malwa Gramin Bank (Merged with Punjab Gramin Bank)	RRB	SBI	10,000	25,000
72	Manipur Rural Bank	RRB	SBI	10,000	10,000
73	Maratha Cooperative Bank	Cooperative	NA	1,00,000	1,00,000
74	Meghalaya Rural Bank	Foreign Bank	SBI	1,00,000	1,00,000
75	Mizoram Rural Bank	RRB	SBI	25,000	1,00,000
76	NKGSB Co-op. Bank Ltd.	Cooperative	NA	20,000	40,000
78	Oriental Bank of Commerce	Public Sector Bank	NA	1,00,000	1,00,000
79	Paschim Banga Gramin Bank	RRB	UCO	5,000	25,000
80	Paytm Payments Bank	Payments Bank	NA	1,00,000	1,00,000
81	Pragathi Krishna Gramin Bank	RRB	NA	20,000	20,000
82	Prathama U.P. Gramin Bank	RRB	NA	10,000	50,000
83	Punjab and Maharastra Coop Bank	Cooperative	NA	1,00,000	1,00,000
84	Punjab and Sind Bank	Public Sector Bank	NA	10,000	10,000
85	Punjab Gramin Bank	RRB	PNB	10,000	25,000
86	Punjab National Bank	Public Sector Bank	NA	25,000	50,000
87	Purvanchal Bank	RRB	SBI	25,000	1,00,000
88	Rajasthan Marudhara Gramin Bank	RRB	SBI	25,000	25,000
89	Rajkot Nagari Sahakari Bank Ltd	Cooperative	NA	1,00,000	1,00,000
90	Samruddhi Co-op Bank Ltd	Cooperative	TJSB	1,00,000	1,00,000
91	Sarva Haryana Gramin Bank	RRB	PNB	50,000	1,00,000
92	Sarva UP Gramin Bank	RRB	PNB	50,000	1,00,000
93	Saurashtra Gramin Bank	RRB	SBI	20,000	1,00,000
94	Shree Kadi Nagarik Sahakari Bank Ltd.	Cooperative	Yes Bank	1,00,000	1,00,000
95	South Indian Bank	Private	NA	1,00,000	1,00,000
96	Standard Chartered	Foreign Bank	NA	1,00,000	1,00,000
97	State Bank Of India	Public Sector Bank	NA	1,00,000	1,00,000
98	Suco Souharda Sahakari Bank	Cooperative	ICICI Bank	1,00,000	1,00,000
99	Suryoday Small Finance Bank Ltd	Small Finance Bank	NA	1,00,000	1,00,000
100	Suvarnayug Sahakari Bank Ltd	Cooperative	HDFC	1,00,000	1,00,000
101	Syndicate Bank	Public Sector Bank	NA	10,000	1,00,000
102	Tamilnadu Mercantile Bank	Private	NA	20,000	1,00,000
103	Telangana Gramin Bank	RRB	SBI	25,000	1,00,000
104	Telangana State Co Operative Apex Bank	Cooperative	IDBI	10,000	1,00,000
105	Thane Bharat Sahakari Bank	Cooperative	NA	1,00,000	1,00,000
106	The Cosmos Co-Operative Bank Ltd	Cooperative	NA	10,000	50,000
107	The A.P. Mahesh Co-Operative Urban Bank	Cooperative	NA	25,000	25,000
108	The Ahmedabad District Co-operative Bank Ltd	Cooperative	GSCB	10,000	25,000
109	The Ahmedabad Mercantile Co-op Bank Ltd	Cooperative	HDFC Bank	1,00,000	1,00,000
110	The Andhra Pradesh State Cooperative	Cooperative	NA	10,000	1,00,000
111	The Baroda Central Co-operative Bank Ltd.	Cooperative	GSCB	15,000	1,00,000
112	The Gujarat State Co-operative Bank Limited	Cooperative	NA	50,000	1,00,000
113	The Hasti Co-operative Bank Ltd	Cooperative	NA	1,00,000	1,00,000
114	The Kalyan Janta Sahkari Bank	Cooperative	NA	1,00,000	1,00,000
115	The Lakshmi Vilas Bank Limited	Private	NA	1,00,000	1,00,000
116	The Mahanagar Co-Op. Bank Ltd	Cooperative	NA	25,000	50,000
117	The Malad Sahakari Bank Ltd.	Cooperative	PMCO	10,000	50,000
118	The Mehsana Urban Co-Operative Bank	Cooperative	NA	1,00,000	1,00,000
119	The Municipal Co-op Bank Ltd.	Cooperative	NA	5,000	50,000
120	The Muslim Co-Operative Bank Ltd	Cooperative	HDFC	1,00,000	1,00,000
121	The Nainital Bank Ltd	Private	NA	20,000	40,000
122	The Ratnakar Bank Limited	Private	NA	25,000	25,000
123	The Saraswat Co-Operative Bank	Cooperative	NA	1,00,000	1,00,000
124	The Surat Peoples Co Op. Bank Ltd	Cooperative	NA	25,000	1,00,000
125	The Sutex Co-op Bank	Cooperative	ICICI Bank	1,00,000	1,00,000
126	The SVC Co-Operative Bank Ltd	Cooperative	NA	10,000	20,000
127	The Thane Janta Sahakari Bank Ltd	Cooperative	NA	1,00,000	1,00,000
128	The Udaipur Mahila Samridhi Urban Co-op Bank Ltd	Cooperative	ICICI Bank	1,00,000	1,00,000
129	The Udaipur Mahila Urban Co-op Bank Ltd	Cooperative	NA	1,00,000	1,00,000
130	The Urban Cooperative Bank Ltd Dharangaon	Cooperative	ICICI Bank	20,000	25,000
131	The Varachha Co-op Bank Ltd.	Cooperative	NA	20,000	40,000
132	The Vijay Cooperative Bank Ltd	Cooperative	ICIC Bank	20,000	2,00,000
133	The Vishweshwar Sahakari Bank Ltd	Cooperative	NA	1,00,000	1,00,000
134	Tripura Gramin Bank	RRB	SBI	10,000	10,000
135	UCO Bank	Public Sector Bank	NA	1,00,000	1,00,000
136	Ujjivan Small Finance Bank Limited	Small Finance Bank	NA	50,000	1,00,000
137	Union Bank of India	Public Sector Bank	NA	1,00,000	2,00,000
138	United Bank of India	Public Sector Bank	NA	25,000	60,000
139	Uttarakhand Gramin Bank	RRB	SBI	25,000	1,00,000
140	Vananchal Gramin Bank	RRB	SBI	20,000	20,000
141	Vasai Vikas Co-op Bank Ltd	Cooperative	NA	1,00,000	1,00,000
142	Vijaya Bank	Public Sector Bank	NA	25,000	50,000
143	Yes Bank	Private	NA	1,00,000	1,00,000