This article explores the HDFC UPI limits for 2024 and provides insights on how to increase your HDFC Bank UPI transaction limits. Understanding these HDFC bank UPI limits is crucial for seamless online transactions, allowing you to make payments efficiently without interruptions.
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HDFC UPI Transaction Limit Per Day 2024
The HDFC UPI limit per day is ₹100,000 for general transfers and extends to ₹500,000 for specific transactions, including tax payments, payments to educational institutions and hospitals, IPO applications, and payments to RBI’s Retail Direct Schemes.
This limit encompasses all UPI transactions within a single day, whether made through the HDFC Bank app, Google Pay, PhonePe, or any other UPI-enabled app.
Per-Transaction HDFC UPI Limit
For each transaction, the HDFC UPI limit is also ₹1 lakh. This means that individual payments above ₹1 lakh will not be processed through HDFC bank UPI and will require alternative banking options like NEFT or RTGS.
- Example Scenario: Imagine you want to pay ₹1.5 lakh for a large purchase through HDFC UPI. Since the per-transaction limit is capped at ₹1 lakh, the UPI transaction would not go through. In this case, you would need to use an alternative payment method like NEFT or RTGS to complete the ₹1.5 lakh transfer.
Number of UPI Transactions Limit in HDFC Bank
The total number of HDFC UPI transactions per day is capped at 20 transactions. Exceeding this count will require a 24-hour wait before making further UPI payments.
- Example Scenario: Suppose you’ve made 20 UPI payments throughout the day, including small transactions like grocery bills and utility payments. Once you reach the 20-transaction limit, you’ll be unable to make any further UPI transactions until the 24-hour period resets.
Special HDFC UPI Limit for New Users and Recent Changes
If you’re a new user, or if you’ve recently changed your phone, mobile number, or reset your UPI PIN, your HDFC UPI transfer limit will be capped at ₹5,000 for the first 24 hours. This temporary limit is designed to enhance security and prevent fraud during initial setup or account modifications.
- Example Scenario: If you just signed up for HDFC UPI and try to transfer ₹10,000 to a friend, the payment may be restricted to ₹5,000 because of the new user limit. This cap applies for the first 24 hours, after which your regular daily and per-transaction limits will be available.
HDFC Bank UPI Transaction Limit Per Month
HDFC Bank does not set a specific monthly UPI transaction limit; however, the daily transaction limits apply cumulatively over the month. This means that users can conduct daily HDFC UPI transactions up to the per-day cap of ₹1 lakh for general transfers or ₹5 lakh for specified payments, such as tax payments, educational fees, etc.
For high-volume HDFC UPI transactions, users should ensure each day’s transfers stay within these daily HDFC bank UPI limits. Exceeding these daily caps will require waiting until the next day for further transactions, regardless of the monthly accumulation.
HDFC UPI Transaction Limits for Personal and Business Needs
HDFC UPI Transactions |
Maximum Limit |
| P2M (Person to Merchant) or P2P (Person to Person) |
Rs. 1 lakh or 20 transactions/ 24 Hours
|
| Merchant collect and Capital markets (Such as Broking, AMC, Mutual Funds, Credit card payments, EMI, Loan repayments, etc.) |
Rs. 2 lakh/transaction
|
| Using UPI for IPO Application |
Rs. 5 lakh/transaction
|
| Income tax Payment |
Rs. 5 lakh/transaction
|
| Educational Institutions and Hospitals |
Rs. 5 lakh/transaction
|
| Payments to RBI’s Retail Direct Schemes |
Rs. 5 lakh/transaction
|
Related Read: UPI Transaction Limit for Tax Payments
How to Increase UPI Limit in HDFC?
The daily UPI transaction limit cannot be manually increased; it is fixed. However, for specific purposes like educational fees or medical bills, the limit is higher, set at ₹5 lakh.
Related Read: What is the SBI UPI Transaction Limit Per Day?
HDFC UPI Transaction Charges
HDFC customers enjoy no charges for UPI transactions. However, for businesses with an HDFC account, new UPI guidelines impose a 1.1% interchange fee on merchant transactions over ₹2,000 made through Prepaid Payment Instruments (PPI).
Frequently Asked Questions (FAQs)
1. What is the default daily UPI limit for HDFC?
The default daily UPI limit for HDFC is ₹1 lakh or 20 transactions per day and ₹5,000 for newly registered users for the first 24 hours.
2. What is the maximum amount I can transfer in a single HDFC UPI transaction in 2024?
The maximum amount you can transfer in a single HDFC UPI transaction in 2024 is ₹1 lakh.
3. How to increase the UPI limit from 5000?
You cannot manually increase the initial ₹5,000 limit for new users; it automatically increases after 24 hours for Android users and 72 hours for iPhone users.
4. Can I increase my UPI limit using the HDFC mobile app?
No, you cannot increase your UPI limit using the HDFC mobile app; the limits are fixed.
5. If I need to transfer more than my daily limit, what are my options?
For transfers exceeding the daily limit, consider using NEFT, RTGS, or IMPS for larger amounts.
6. Is there a separate limit on the number of HDFC UPI transactions I can do per day?
Yes, you can perform up to 20 UPI transactions per day with HDFC.
7. What is the GPay per day limit in HDFC?
The daily limit for UPI transactions via GPay with HDFC is ₹1 lakh.
8. What is the limit of PhonePe per day in HDFC?
The daily limit for UPI transactions via PhonePe with HDFC is ₹1 lakh.
9. How to Check HDFC UPI Limit?
To check your HDFC UPI limit, contact the HDFC Bank helpline at 1800 102 9426. Customer support can provide details on your current UPI limits, including daily, monthly, and per-transaction caps based on your account type and any recent updates.
