UPI Transaction Limits (2023)

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

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

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

Merchant CategoriesTransaction Limits (₹)
P2M Transactions1,00,000
Non-verified merchantsCollect payments up to 2,000
MCC 6540Completely blocked for collect payments
MCC 4812 and 4814Collect payments above 5,000 are blocked
MCC 6211 for IPO and purchase of G-Sec through RBI Retail Direct Scheme (RDS)5,00,000

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

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

TransactionsPer Transaction Limit (₹)
P2M Verified1,00,000
P2M Non-verified40,000
Bill Pay20,000

  • 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 depending on your bank.

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

S NoBank NameBank TypeSponsor BankUPI Transaction limitUPI Daily Limit
1Abhyudaya Co-operative BankCooperativeNA5,00025,000
2Adarsh Co-op Bank LtdCooperativeHDFC Bank50,00050,000
3Aditya Birla Idea Payments BankPayments BankNA1,00,0001,00,000
4Airtel Payments BankPayments BankNA1,00,0001,00,000
5Allahabad BankPublic Sector BankNA25,0001,00,000
6Allahabad UP Gramin BankRRBAllahabad Bank20,00040,000
7Andhra Bank PublicSector BankNA1,00,0001,00,000
8Andhra Pradesh Grameena Vikas BankRRBSBI25,0001,00,000
9Andhra Pragathi Grameena BankRRBNA10,00020,000
10Apna Sahakari BankCooperativeNA1,00,0001,00,000
11Assam Gramin Vikash BankRRBUnited Bank of India5,00025,000
12Axis BankPrivateNA1,00,0001,00,000
13Bandhan BankPrivateNA1,00,0001,00,000
14Bank Of BarodaPublic Sector BankNA25,000Not set
15Bank Of IndiaPublic Sector BankNA10,0001,00,000
16Bank of MaharashtraPublic Sector BankNA1,00,0001,00,000
17Baroda Gujarat Gramin BankRRBBank of Baroda25,000Not Set
18Baroda Rajasthan Kshetriya Gramin BankRRBBank of Baroda25,00025,000
19Baroda Uttar Pradesh Gramin BankRRBBank of Baroda25,00025,000
20Bassein Catholic Coop BankCooperativeNA20,00040,000
21Bhilwara Urban Co operative Bank LtdCooperativeHDFC500025000
22Canara BankPublic Sector BankNA10,00025,000
23Catholic Syrian BankPrivateNA1,00,0001,00,000
24Central Bank of IndiaPublic Sector BankNA25,00050,000
25Chaitanya Godavari Grameena BankRRBAndhra Bank25,0001,00,000
26Chhattisgarh Rajya Gramin BankRRBSBI25,0001,00,000
27Citibank RetailForeign BankNA1,00,0001,00,000
28City Union BankPrivateNA1,00,0001,00,000
29Coastal Local Area Bank LtdCooperativeBOM50,0001,00,000
30Corporation BankPublic Sector BankNA50,0001,00,000
31DBS Digi BankForeign BankNA1,00,0001,00,000
32DCB BankPrivateNA5,0005000
33Dena BankPublic Sector BankNA1,00,0001,00,000
34Deutsche Bank AG (Web Collect)Foreign BankNANANA
35Dhanlaxmi Bank LtdPrivateNA1,00,0001,00,000
36Dombivali Nagrik Sahakari BankCooperativeNA1,00,0001,00,000
37Equitas Small Finance BankSmall Finance BankNA25,0001,00,000
38ESAF Small Finance BankSmall Finance BankNA1,00,0001,00,000
39Federal BankPrivateNA1,00,0001,00,000
40FINO Payments BankPayments BankNA1,00,0001,00,000
41G P Parsik BankCooperativeNA1,00,0001,00,000
42HDFC BankPrivateNA1,00,0001,00,000
43Himachal Pradesh Gramin BankRRBPNB50,00050,000
44HSBCForeign BankNA1,00,0001,00,000
45Hutatma Sahakari Bank LtdCooperativeICICI Bank1,00,000No limit
46ICICI BankPrivateNA10,000 (25000 for Google Pay users)10000 (25000 for Google Pay users)
47IDBI BankPublic Sector BankNA25,00050,000
48IDFC First BankPrivateNA1,00,0001,00,000
49India Post Payment BankPayments BankNA25,00050,000
50Indian BankPublic Sector BankNA1,00,0001,00,000
51Indian Overseas BankPublic Sector BankNA10,00020,000
52IndusInd BankPrivateNA1,00,0001,00,000
53J&K Grameen BankRRBJammu & Kashmir Bank20,00020,000
54Jalgaona Janata Sahkari BankCooperativeNA1,00,0001,00,000
55Jammu & Kashmir BankPrivateNA20,00020,000
56Jana Small Finance BankSmall Finance BankNA10,00040,000
57Janta Sahakari Bank PuneCooperativeNA1,00,0001,00,000
58Jio Payments BankPayments BankNA1,00,0001,00,000
59Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.CooperativeNA25,0002,00,000
60Karnataka BankPrivateNA1,00,0002,00,000
61Karnataka Vikas Gramin BankRRBNA25,00025,000
62Karur Vysaya BankPrivateNA1,00,0001,00,000
63Kashi Gomti Samyut Gramin BankRRBNA1,00,0001,00,000
64Kaveri Grameena BankRRBSBI25,00025,000
65Kerala Gramin BankRRBNA20,00020,000
66Kotak Mahindra BankPrivateNA1,00,0001,00,000
67Langpi Dehangi Rural BankRRBSBI10,0001,00,000
68Madhya Bihar Gramin BankRRBPNB25,0001,00,000
69Maharashtra Grameen BankRRBBOM25,0001,00,000
70Maharashtra State Cooperative BankCooperativeNA5,00050,000
71Malwa Gramin Bank (Merged with Punjab Gramin Bank)RRBSBI10,00025,000
72Manipur Rural BankRRBSBI10,00010,000
73Maratha Cooperative BankCooperativeNA1,00,0001,00,000
74Meghalaya Rural BankForeign BankSBI1,00,0001,00,000
75Mizoram Rural BankRRBSBI25,0001,00,000
76NKGSB Co-op. Bank Ltd.CooperativeNA20,00040,000
78Oriental Bank of CommercePublic Sector BankNA1,00,0001,00,000
79Paschim Banga Gramin BankRRBUCO5,00025,000
80Paytm Payments BankPayments BankNA1,00,0001,00,000
81Pragathi Krishna Gramin BankRRBNA20,00020,000
82Prathama U.P. Gramin BankRRBNA10,00050,000
83Punjab and Maharastra Coop BankCooperativeNA1,00,0001,00,000
84Punjab and Sind BankPublic Sector BankNA10,00010,000
85Punjab Gramin BankRRBPNB10,00025,000
86Punjab National BankPublic Sector BankNA25,00050,000
87Purvanchal BankRRBSBI25,0001,00,000
88Rajasthan Marudhara Gramin BankRRBSBI25,00025,000
89Rajkot Nagari Sahakari Bank LtdCooperativeNA1,00,0001,00,000
90Samruddhi Co-op Bank LtdCooperativeTJSB1,00,0001,00,000
91Sarva Haryana Gramin BankRRBPNB50,0001,00,000
92Sarva UP Gramin BankRRBPNB50,0001,00,000
93Saurashtra Gramin BankRRBSBI20,0001,00,000
94Shree Kadi Nagarik Sahakari Bank Ltd.CooperativeYes Bank1,00,0001,00,000
95South Indian BankPrivateNA1,00,0001,00,000
96Standard CharteredForeign BankNA1,00,0001,00,000
97State Bank Of IndiaPublic Sector BankNA1,00,0001,00,000
98Suco Souharda Sahakari BankCooperativeICICI Bank1,00,0001,00,000
99Suryoday Small Finance Bank LtdSmall Finance BankNA1,00,0001,00,000
100Suvarnayug Sahakari Bank LtdCooperativeHDFC1,00,0001,00,000
101Syndicate BankPublic Sector BankNA10,0001,00,000
102Tamilnadu Mercantile BankPrivateNA20,0001,00,000
103Telangana Gramin BankRRBSBI25,0001,00,000
104Telangana State Co Operative Apex BankCooperativeIDBI10,0001,00,000
105Thane Bharat Sahakari BankCooperativeNA1,00,0001,00,000
106The Cosmos Co-Operative Bank LtdCooperativeNA10,00050,000
107The A.P. Mahesh Co-Operative Urban BankCooperativeNA25,00025,000
108The Ahmedabad District Co-operative Bank LtdCooperativeGSCB10,00025,000
109The Ahmedabad Mercantile Co-op Bank LtdCooperativeHDFC Bank1,00,0001,00,000
110The Andhra Pradesh State CooperativeCooperativeNA10,0001,00,000
111The Baroda Central Co-operative Bank Ltd.CooperativeGSCB15,0001,00,000
112The Gujarat State Co-operative Bank LimitedCooperativeNA50,0001,00,000
113The Hasti Co-operative Bank LtdCooperativeNA1,00,0001,00,000
114The Kalyan Janta Sahkari BankCooperativeNA1,00,0001,00,000
115The Lakshmi Vilas Bank LimitedPrivateNA1,00,0001,00,000
116The Mahanagar Co-Op. Bank LtdCooperativeNA25,00050,000
117The Malad Sahakari Bank Ltd.CooperativePMCO10,00050,000
118The Mehsana Urban Co-Operative BankCooperativeNA1,00,0001,00,000
119The Municipal Co-op Bank Ltd.CooperativeNA5,00050,000
120The Muslim Co-Operative Bank LtdCooperativeHDFC1,00,0001,00,000
121The Nainital Bank LtdPrivateNA20,00040,000
122The Ratnakar Bank LimitedPrivateNA25,00025,000
123The Saraswat Co-Operative BankCooperativeNA1,00,0001,00,000
124The Surat Peoples Co Op. Bank LtdCooperativeNA25,0001,00,000
125The Sutex Co-op BankCooperativeICICI Bank1,00,0001,00,000
126The SVC Co-Operative Bank LtdCooperativeNA10,00020,000
127The Thane Janta Sahakari Bank LtdCooperativeNA1,00,0001,00,000
128The Udaipur Mahila Samridhi Urban Co-op Bank LtdCooperativeICICI Bank1,00,0001,00,000
129The Udaipur Mahila Urban Co-op Bank LtdCooperativeNA1,00,0001,00,000
130The Urban Cooperative Bank Ltd DharangaonCooperativeICICI Bank20,00025,000
131The Varachha Co-op Bank Ltd.CooperativeNA20,00040,000
132The Vijay Cooperative Bank LtdCooperativeICIC Bank20,0002,00,000
133The Vishweshwar Sahakari Bank LtdCooperativeNA1,00,0001,00,000
134Tripura Gramin BankRRBSBI10,00010,000
135UCO BankPublic Sector BankNA1,00,0001,00,000
136Ujjivan Small Finance Bank LimitedSmall Finance BankNA50,0001,00,000
137Union Bank of IndiaPublic Sector BankNA1,00,0002,00,000
138United Bank of IndiaPublic Sector BankNA25,00060,000
139Uttarakhand Gramin BankRRBSBI25,0001,00,000
140Vananchal Gramin BankRRBSBI20,00020,000
141Vasai Vikas Co-op Bank LtdCooperativeNA1,00,0001,00,000
142Vijaya BankPublic Sector BankNA25,00050,000
143Yes BankPrivateNA1,00,0001,00,000

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