The standard UPI transaction limit per day in 2026 is Rs.1,00,000 for most users, set by NPCI and applied across every UPI app linked to your bank account. The limit you actually get depends on your bank’s policy, account type, transaction count cap, and the merchant category you pay.
This guide covers NPCI rules, bank-wise daily caps, category limits up to Rs.5 lakh, UPI Lite’s separate ecosystem, and what to do when a payment fails despite being “under the limit.”
Key Takeaways
- Standard UPI daily limit: Rs.1,00,000 across all UPI apps combined, per the NPCI ceiling for FY 2024-25.
- Transaction count cap: Most banks allow up to 20 UPI transactions per day.
- High-value categories: Up to Rs.5 lakh per transaction for capital markets, insurance, education, healthcare, IPOs, and government payments.
- New user restriction: Rs.5,000 total in the first 24 hours after registration.
- Bank variation: Caps range from Rs.5,000-Rs.20,000 at some RRBs to Rs.2,00,000 at select PSU banks.
- Rolling window: The Rs.1 lakh cap resets 24 hours from your first transaction, not at midnight.
- UPI Lite is separate: Rs.4,000 per transaction and Rs.50,000 wallet balance, not counted in your standard daily limit.
Table of Contents
What Is the UPI Transaction Limit Per Day in 2026?
The headline answer: Rs.1,00,000 per day is the NPCI standard UPI transaction limit for most users, covering both P2P and P2M payments. It is a ceiling, not a guarantee. Your bank may set lower limits, and certain merchant categories qualify for higher caps. UPI rails are part of India’s electronic payment system.
The NPCI Standard: Rs.1 Lakh Per Day Explained
- Per-transaction cap: Up to Rs.1,00,000.
- Daily aggregate cap: Rs.1,00,000 across all UPI activity.
- Transaction count cap: Typically 20 transactions per 24 hours.
- Cross-app aggregation: Applies across all UPI apps linked to the same bank account.
Did You Know: Even if you use multiple UPI apps, NPCI’s Rs.1,00,000 daily cap applies to your total UPI spend across all of them combined.
The Rolling 24-Hour Window: Why Midnight Doesn’t Reset Your Limit
UPI uses a rolling 24-hour window measured from your first transaction. If you send Rs.80,000 at 10 AM today, you only have Rs.20,000 of headroom until 10 AM tomorrow, even if midnight has passed.
Pro-Tip: Plan large UPI payments like rent or vendor payouts before routine small transactions. Once you exhaust Rs.1 lakh, even a Rs.500 transfer will fail until the 24-hour clock resets.
Amount Limits vs. Transaction Count Limits: Two Separate Ceilings
- Rupee cap: Rs.1,00,000 per day.
- Count cap: Around 20 transactions per day.
- Independent triggers: 20 transfers of Rs.1,000 each can still lock you out.
- No bypass: Switching apps does not reset the count for the same bank account.
How NPCI and Banks Set Your UPI Limit – The Two-Layer System
UPI limits are a two-layer outcome. NPCI defines the upper ceiling, and each of the 550+ live UPI member banks sets its own caps based on risk policy.
Layer 1 – NPCI’s Role as the Rule-Setter
- Defines the Rs.1,00,000 daily ceiling.
- Sets per-transaction caps uniformly across apps.
- Designs category-wise relaxations.
- Governs UPI Lite, UPI 123Pay, and Autopay separately.
Layer 2 – Your Bank’s Internal Risk Policy
- Most major PSU and private banks default to Rs.1,00,000.
- Some banks throttle new accounts to Rs.25,000-Rs.50,000.
- A few PSUs allow up to Rs.2,00,000.
- Co-operative and RRB caps can sit as low as Rs.5,000-Rs.20,000.
Did You Know: Union Bank of India offers a UPI daily limit of Rs.2,00,000.
How Account Type and Customer Profile Affect Your Effective Limit
- Basic savings (BSBDA): Often capped lower.
- Full-KYC savings: Standard Rs.1 lakh.
- Current accounts: Frequently higher caps.
- New users: Restricted to Rs.5,000 in the first 24 hours.
How Razorpay’s UPI Payments Suite Helps Businesses Collect Within – and Beyond – Daily Limits
Daily UPI limits directly affect how cleanly a business collects revenue. Razorpay’s UPI Payments Suite gives merchants tooling to navigate them. See this guide on how to integrate a UPI payment gateway.
- UPI Autopay: Enables recurring mandates so customers authorise future debits once, useful for SaaS subscriptions, EMIs, and memberships.
- Dynamic QR Codes: Generates a unique QR per transaction while keeping clean per-transaction records for reconciliation.
- Smart Collect: Creates virtual UPI IDs per customer and automatically matches incoming transfers to the correct order, solving reconciliation when customers split a large invoice into smaller transfers.
Bank-Wise UPI Daily Limit in 2026: Complete Reference Table
Data aggregated from BankBazaar and Google Pay’s bank-wise limits page. Limits change periodically.
How to Read This Table
- Per-transaction limit: Maximum single UPI transfer.
- Daily limit: Total UPI value in a rolling 24-hour window.
- Lower of the two: Whichever you hit first triggers failure.
Major Public Sector Banks
| Bank | Per-Transaction Limit | Daily Limit |
|---|---|---|
| State Bank of India | Rs.1,00,000 | Rs.1,00,000 |
| Bank of Baroda | Rs.1,00,000 | Rs.1,00,000 |
| Punjab National Bank | Rs.50,000 | Rs.50,000 |
| Canara Bank | Rs.1,00,000 | Rs.1,00,000 |
| Union Bank of India | Rs.1,00,000 | Rs.2,00,000 |
| Bank of India | Rs.1,00,000 | Rs.1,00,000 |
| Indian Bank | Rs.1,00,000 | Rs.1,00,000 |
| Central Bank of India | Rs.1,00,000 | Rs.1,00,000 |
Major Private Banks
| Bank | Per-Transaction Limit | Daily Limit |
|---|---|---|
| HDFC Bank | Rs.1,00,000 | Rs.1,00,000 |
| ICICI Bank | Rs.1,00,000 | Rs.1,00,000 |
| Axis Bank | Rs.1,00,000 | Rs.1,00,000 |
| Kotak Mahindra Bank | Rs.1,00,000 | Rs.1,00,000 |
| Yes Bank | Rs.1,00,000 | Rs.1,00,000 |
| IndusInd Bank | Rs.1,00,000 | Rs.1,00,000 |
| IDFC FIRST Bank | Rs.1,00,000 | Rs.1,00,000 |
| Federal Bank | Rs.1,00,000 | Rs.1,00,000 |
Payments Banks and Small Finance Banks
| Bank | Per-Transaction Limit | Daily Limit |
|---|---|---|
| Paytm Payments Bank | Rs.1,00,000 | Rs.1,00,000 |
| Airtel Payments Bank | Rs.1,00,000 | Rs.1,00,000 |
| India Post Payments Bank | Rs.1,00,000 | Rs.1,00,000 |
| AU Small Finance Bank | Rs.1,00,000 | Rs.1,00,000 |
| Equitas Small Finance Bank | Rs.1,00,000 | Rs.1,00,000 |
| Ujjivan Small Finance Bank | Rs.1,00,000 | Rs.1,00,000 |
Regional Rural Banks (RRBs)
| Bank | Per-Transaction Limit | Daily Limit |
|---|---|---|
| Andhra Pradesh Grameena Vikas Bank | Rs.25,000 | Rs.25,000 |
| Baroda UP Bank | Rs.25,000 | Rs.25,000 |
| Karnataka Gramin Bank | Rs.10,000 | Rs.25,000 |
| Prathama UP Gramin Bank | Rs.10,000 | Rs.20,000 |
| Saurashtra Gramin Bank | Rs.5,000 | Rs.20,000 |
| Tamil Nadu Grama Bank | Rs.25,000 | Rs.25,000 |
Did You Know: RRBs often cap UPI at Rs.5,000-Rs.25,000 per transaction.
Co-operative Banks
| Bank | Per-Transaction Limit | Daily Limit |
|---|---|---|
| Saraswat Co-operative Bank | Rs.1,00,000 | Rs.1,00,000 |
| Cosmos Co-operative Bank | Rs.50,000 | Rs.1,00,000 |
| Janata Sahakari Bank | Rs.25,000 | Rs.50,000 |
| TJSB Sahakari Bank | Rs.50,000 | Rs.1,00,000 |
| Abhyudaya Co-operative Bank | Rs.25,000 | Rs.50,000 |
Foreign Banks
| Bank | Per-Transaction Limit | Daily Limit |
|---|---|---|
| Standard Chartered Bank | Rs.1,00,000 | Rs.1,00,000 |
| DBS Bank India | Rs.1,00,000 | Rs.1,00,000 |
| Citibank | Rs.1,00,000 | Rs.1,00,000 |
Special Category UPI Limits in 2026: Where Rs.5 Lakh Is Allowed
For high-value verified merchant categories, NPCI permits limits above Rs.1 lakh. Businesses in education, healthcare, or investment categories can accept higher-value UPI payments through Razorpay’s Payment Gateway.
The Full Category-Wise UPI Limit Table
| Category | Per-Transaction Limit |
|---|---|
| Capital Markets | Rs.5,00,000 |
| Insurance Premiums | Rs.5,00,000 |
| Foreign Inward Remittances | Rs.5,00,000 |
| IPO Subscriptions | Rs.5,00,000 |
| Education Fees | Rs.5,00,000 |
| Hospital and Healthcare | Rs.5,00,000 |
| Government Payments | Rs.5,00,000 |
| Tax Payments | Rs.5,00,000 |
| Credit Card Bill Payments | Rs.5,00,000 |
| Standard P2P / P2M | Rs.1,00,000 |
How to Use High-Value Category Limits Practically
- The higher limit applies to the merchant’s category registration, not your bank.
- Your bank still enforces its own daily aggregate cap.
- Confirm with the merchant before large transfers.
Pro-Tip: If a hospital or college bill fails above Rs.1 lakh, the problem is likely the merchant’s NPCI category registration, not your bank limit.
UPI 123Pay – The Feature Phone Limit
- Works via IVR, missed call, and OEM apps.
- Per-transaction limit: Rs.10,000.
- Useful in low-bandwidth and rural environments.
UPI Lite in 2026: A Separate Limit Ecosystem You Should Know About
UPI Lite is an on-device wallet running alongside regular UPI, with independent limits. UPI Lite transactions do NOT count toward your standard Rs.1 lakh daily cap. Treat it as a parallel rail similar to a digital wallet.
What Is UPI Lite and How Does It Work?
- On-device prepaid wallet funded from your bank account.
- No UPI PIN required for transactions below the cap.
- Designed for small, frequent payments.
UPI Lite Limits in 2026
- Per-transaction cap: Rs.4,000.
- Maximum wallet balance: Rs.50,000.
- Outgoing UPI Lite payments do NOT count toward the Rs.1 lakh cap.
How UPI Lite Changes the Math
- Route small purchases through UPI Lite to preserve the Rs.1 lakh cap for rent and bills.
- Avoid hitting the 20-transaction count limit on regular UPI.
- Lower failure rates for tiny payments.
New User UPI Limits: The First 24 Hours
Every new UPI registration starts with a hard ceiling of Rs.5,000 for the first 24 hours, regardless of your bank balance or app.
Why New UPI Users Are Capped at Rs.5,000
- Fraud-prevention design by NPCI.
- Applies regardless of bank, app, or balance.
- Auto-resets after the first 24-hour window.
What to Do If You Need to Transact More on Day One
- Split the payment into chunks within Rs.5,000.
- Use IMPS or NEFT from your bank app.
- Pay by debit card or net banking at checkout.
UPI Transaction Limits for Businesses: What Merchants Need to Know
Customer-side UPI limits are a silent revenue leak. Understanding how customer limits and merchant category registration interact is critical for any business using a merchant payment gateway. Razorpay’s Smart Collect creates virtual UPI IDs per customer, automatically matching incoming transfers to the correct order.
How Customer UPI Limits Affect Your Revenue
- High-ticket D2C orders above Rs.50,000 face frequent failures.
- Customers rarely retry after a declined message.
- Offering fallback methods recovers conversions.
Merchant Category Registration
- Correct NPCI tagging unlocks Rs.5 lakh per transaction.
- Wrong category code blocks customers at Rs.1 lakh.
UPI for B2B Payments
- “Collections” category supports Rs.5 lakh per transaction and Rs.10 lakh daily.
- Useful for vendor invoicing and distributor settlements.
Pro-Tip: If your B2B buyers hit the Rs.1 lakh ceiling, check whether your payment gateway has registered your merchant account under the “Collections” category.
How to Check Your UPI Transaction Limit in 2026
Two reliable methods exist: in-app and via your bank. See payment gateway basics for ecosystem context.
Checking Your Limit Within a UPI App
- Open the app and tap your profile.
- Select your linked bank account.
- Tap “View limits.”
- Review per-transaction and daily caps.
Checking Your Limit via Your Bank
- Net banking under the UPI section.
- Mobile app under transaction limits.
- Customer care or branch.
Why Your Displayed Limit May Differ
- Bank policy sets a lower cap than NPCI.
- New account status applies throttling.
- P2P and P2M limits may be displayed separately.
What to Do When You Hit Your UPI Daily Limit
The right payment solution for your business matters here. Merchants who want to offer customers options beyond UPI can use Razorpay’s Affordability Suite, which includes EMI, Cardless EMI, and Pay Later.
Immediate Options
- Wait for the rolling 24-hour window to reset.
- Switch to IMPS, NEFT, debit card, or net banking.
- Use a different bank account linked to a different UPI ID.
- Route small payments through UPI Lite.
Can You Increase Your UPI Daily Limit?
- The NPCI ceiling of Rs.1 lakh cannot be exceeded.
- Banks can raise your limit up to their internal maximum on request.
- Special category limits depend on the merchant, not the customer.
Why Businesses Choose Razorpay for UPI Collections
Daily UPI limits are a fact of life for every business collecting payments online. The right infrastructure helps you collect more, reconcile faster, and offer customers alternatives when they hit their cap.
| Capability | What It Does |
|---|---|
| Accept UPI across every channel | Payment Gateway, Payment Links, Dynamic QR Codes, and Payment Pages support every NPCI-approved category. |
| Automate reconciliation | Smart Collect matches incoming UPI transfers to orders via virtual UPI IDs. |
| Recover failed transactions | UPI Autopay mandates and retry logic help reduce drop-offs. |
| Offer alternatives at checkout | Cards, Net Banking, EMI, and Pay Later via the Affordability Suite. |
Get started with Razorpay’s UPI Payments Suite
Conclusion
The UPI transaction limit per day in 2026 is a two-layer outcome. NPCI sets the Rs.1,00,000 ceiling, with category relaxations up to Rs.5 lakh. Your bank decides the actual cap within that framework.
For consumers, this means planning large payments first and routing small ones through UPI Lite. For businesses, it means correct category registration, reconciliation tooling, and fallback payment options at checkout.
FAQs
What is the UPI transaction limit per day in 2026?
The standard NPCI-set UPI daily limit is Rs.1,00,000 per day, covering both P2P and P2M transactions. The limit applies across all UPI apps combined. Banks can set lower limits, and select categories such as capital markets, insurance, education, and healthcare allow up to Rs.5 lakh per transaction.
Does the UPI Rs.1 lakh limit reset at midnight?
No. The Rs.1 lakh limit operates on a rolling 24-hour window from your first transaction of the day, not midnight to midnight. If you send Rs.80,000 at 10 AM, you have only Rs.20,000 of headroom until 10 AM the next day.
Why does my UPI payment fail even though I am under Rs.1 lakh?
Three reasons: you have hit the transaction count cap (typically 20 per day), you are a new user under the Rs.5,000 first-24-hour restriction, or your bank has set a lower internal limit than the NPCI ceiling.
Can I send more than Rs.1 lakh via UPI in a day?
Yes, for categories like capital markets, insurance, IPOs, education, healthcare, and government payments, NPCI allows up to Rs.5 lakh per transaction with daily limits up to Rs.10 lakh. The merchant must be registered under the correct category.
Do UPI Lite transactions count toward my daily UPI limit?
No. UPI Lite operates as a separate on-device wallet with Rs.4,000 per-transaction and Rs.50,000 wallet balance limits. UPI Lite transactions do NOT count toward your standard Rs.1,00,000 daily limit.
