Explore and learn about latest GPay per day limit in India, maximum transaction limit on Google pay, how much money you can send or receive with GPay and the maximum number of transactions you can make in one day. Also explore the maximum transaction limit on Google pay for 143 banks across India.
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Google Pay (GPay) Transaction Limit Per Day
The Google Pay transaction limit per day for money transfers in India is set at ₹1 lakh (₹1,00,000) across major banks, allowing users to send or receive up to this amount in one day. However, if you’re a new user, or if you’ve recently changed your phone, or mobile number, your GPay transfer limit is capped at ₹5,000 for the first 24 hours.
Additionally, users are limited to a maximum of 20 GPay transactions within a 24-hour period across Google Pay and other UPI apps. For added security, GPay also restricts request transactions to a daily limit of ₹2,000 via the Virtual Payment Address (VPA) in UPI.
Understanding GPay Transaction Limits with Examples
To better understand how Google pay limit per day works, let’s consider the following examples.
Daily GPay Transaction Count Limit Example
Suppose you’ve completed 18 transactions across various UPI apps by 5 PM. If you perform two more transactions by 11 PM, you’ll reach the 20-transaction daily limit set by Google Pay. At this point, you won’t be able to make any additional transactions until 5 PM the next day, 24 hours after your first transaction of the day.
Google Pay Daily Transfer Amount Limit Example
Imagine you want to send ₹1 lakh in one day. You’ve already transferred ₹20,000 using another UPI app in the morning. Since the GPay limit per day across all UPI apps is ₹1 lakh, your remaining limit on Google Pay will be ₹80,000 for the rest of the day.
Per-Transaction Limit on Google Pay Example
If you’re a new Google Pay user and need to transfer ₹6,000 in a single transaction, you may encounter a cap, as your initial per-transaction limit is ₹5,000 for the first 24 hours. After 24 hours, the full per-transaction limit of ₹1 lakh will apply. Additionally, if you try to make a request transaction via VPA for an amount over ₹2,000, Google Pay will restrict it to prevent potential fraud.
Related Read: What is the PhonePe transaction limit for 2024?
GPay Transaction Limits for Special Cases
In certain cases, Google Pay offers a higher UPI transfer limit of up to ₹5 lakh per day as per NPCI guidelines from December 2021. These exceptions include:
- Tax Payments
- Payments to Educational Institutions and Hospitals
- IPO Applications
- Payments to RBI’s Retail Direct Schemes (RDS)
These enhanced GPay limits per day apply to specific transactions, providing users with flexibility for essential payments.
Google Pay Transaction Limits for Different Banks in 2024
Google pay limit per day can vary by bank, and knowing these limits is essential to ensure smooth and uninterrupted transactions.
The table below provides detailed information on daily Google Pay transaction limits for 143 banks across India, based on the latest data from Google Pay Support.
Name of the Bank |
UPI Transaction Limit Per Day (INR) |
GPay Transaction Limit Per Day (INR) |
| Abhyudaya Co-Operative Bank | 25000 | 25000 |
| Adarsh Co-Op Bank Ltd | 50000 | 50000 |
| Aditya Birla Idea Payments Bank | 100000 | 100000 |
| Airtel Payments Bank | 100000 | 100000 |
| Allahabad Bank | 25000 | 100000 |
| Allahabad UP Gramin Bank | 20000 | 40000 |
| Andhra Bank | 100000 | 100000 |
| Andhra Pradesh Grameena Vikas Bank | 25000 | 100000 |
| Andhra Pragathi Grameena Bank | 10000 | 20000 |
| Apna Sahakari Bank | 100000 | 100000 |
| Assam Gramin VIkash Bank | 5000 | 25000 |
| Axis Bank | 100000 | 100000 |
| Bandhan Bank | 100000 | 100000 |
| Bank Of Baroda | 25000 | Not set |
| Bank of India | 10000 | 100000 |
| Bank of Maharashtra | 100000 | 100000 |
| Baroda Gujarat Gramin Bank | 25000 | Not set |
| Baroda Rajasthan Kshetriya Gramin Bank | 25000 | 25000 |
| Baroda Uttar Pradesh Gramin Bank | 25000 | 25000 |
| Bassein Catholic Co-Op Bank | 20000 | 40000 |
| Bhilwara Urban Co Operative Bank LTD | 25000 | 25000 |
| Bihar Gramin Bank | Mergerd with DBGB | |
| Canara Bank | 100000 | 100000 |
| Catholic Syrian Bank | 100000 | 100000 |
| Central Bank of India | 100000 | 100000 |
| Chaitanya Godavari Grameena Bank | 25000 | 100000 |
| Chhattisgarh Rajya Gramin Bank | 25000 | 100000 |
| Citibank Retail | 100000 | 100000 |
| City Union Bank | 100000 | 100000 |
| COASTAL LOCAL AREA BANK LTD | 50000 | 100000 |
| Corporation Bank | 50000 | 100000 |
| DBS Digi Bank | 100000 | 100000 |
| DCB Bank | 5000 | 5000 |
| Dena Bank | 100000 | 100000 |
| Dena Gujarat Gramin Bank | NA (Merged) | |
| Dhanlaxmi Bank Ltd | 100000 | 100000 |
| Dombivali Nagrik Sahakari Bank | 100000 | 100000 |
| Equitas Small Finance Bank | 25000 | 100000 |
| ESAF Small Finance Bank | 100000 | 100000 |
| Federal Bank | 100000 | 100000 |
| FINO Payments Bank | 100000 | 100000 |
| G P Parsik Bank | 100000 | 100000 |
| HDFC | 100000 (RS 5000 for new customer) | 100000 |
| Himachal Pradesh Gramin Bank | 50000 | 50000 |
| HSBC | 100000 | 100000 |
| Hutatma Sahakari Bank Ltd | 100000 | No limit |
| ICICI Bank | 10000 (25000 for Google Pay users) | 10000 (25000 for Google Pay users) |
| IDBI Bank | 100000 | 100000 |
| IDFC | 100000 | 100000 |
| India Post Payment Bank | 25000 | 50000 |
| Indian Bank | 100000 | 100000 |
| Indian Overseas Bank | 50000 | 100000 |
| IndusInd Bank | 100000 | 100000 |
| J&K Grameen Bank | 20000 | 20000 |
| Jalgaona Janata Sahkari Bank | 100000 | 100000 |
| Jammu & Kashmir Bank | 20000 | 20000 |
| Jana Small Finance Bank | 10000 | 40000 |
| Janta Sahakari Bank Pune | 100000 | 100000 |
| Jio Payments Bank | 100000 | 100000 |
| Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd | 25000 | 200000 |
| Karnataka Bank | 100000 | 200000 |
| Karnataka Vikas Grameena Bank | 25000 | 25000 |
| Karur Vysaya Bank | 100000 | 100000 |
| Kashi Gomti Samyut Gramin Bank | 100000 | 100000 |
| Kaveri Grameena Bank | 25000 | 25000 |
| Kerala Gramin Bank | 20000 | 20000 |
| Kotak Mahindra Bank | 100000 | 100000 |
| Langpi Dehangi Rural Bank | 10000 | 100000 |
| Madhya Bihar Gramin Bank | 25000 | 100000 |
| Maharashtra Grameen Bank | 25000 | 100000 |
| Maharashtra State Co-Op Bank | 5000 | 50000 |
| Malwa Gramin Bank (Bank merged with Punjab Gramin Bank) | 10000 | 25000 |
| Manipur Rural Bank | 10000 | 10000 |
| Maratha Co-Op Bank | 100000 | 100000 |
| Meghalaya Rural Bank | 100000 | 100000 |
| Mizoram Rural Bank | 25000 | 100000 |
| NKGSB Co-Op. Bank Ltd | 20000 | 40000 |
| Oriental Bank of Commerce | 100000 | 100000 |
| Paschim Banga Gramin Bank | 5000 | 25000 |
| Paytm Payments Bank | 100000 | 100000 |
| Pragathi Krishna Gramin Bank | 20000 | 20000 |
| Prathama Bank | 10000 | 50000 |
| Punjab and Maharastra Co-Op Bank | 100000 | 100000 |
| Punjab and Sind Bank | 10000 | 10000 |
| Punjab Gramin Bank | 10000 | 25000 |
| Punjab National Bank | 25000 | 50000 |
| Purvanchal Bank | 25000 | 100000 |
| Rajasthan Marudhara Gramin Bank | 25000 | 25000 |
| Rajkot Nagari Sahakari Bank Ltd | 100000 | 100000 |
| Samruddhi Co-Op Bank Ltd | 100000 | 100000 |
| Sarva Haryana Gramin Bank | 50000 | 100000 |
| Sarva UP Gramin Bank | 50000 | 100000 |
| Saurashtra Gramin Bank | 20000 | 100000 |
| Shree Kadi Nagarik Sahakari Bank Ltd | 100000 | 100000 |
| South Indian Bank | 100000 | 100000 |
| Standard Chartered | 100000 | 100000 |
| SBI / State Bank of India | 100000 | 100000 |
| Suco Souharda Sahakari Bank | 100000 | 100000 |
| Suryoday Small Finance Bank Ltd | 100000 | 100000 |
| Suvarnayug Sahakari Bank Ltd | 100000 | 100000 |
| Syndicate Bank | 10000 | 100000 |
| Tamilnadu Mercantile Bank | 100000 | 100000 |
| Telangana Gramin Bank | 25000 | 100000 |
| Telangana State Co-Operative Apex Bank | 10000 | 100000 |
| Thane Bharat Sahakari Bank | 100000 | 100000 |
| The Cosmos Co-Operative Bank LTD | 10000 | 50000 |
| The A.P. Mahesh Co-Operative Urban Bank | 25000 | 25000 |
| The Ahmedabad District Co-Operative Bank Ltd | 10000 | 25000 |
| The Ahmedabad Mercantile Co-Op Bank Ltd | 100000 | 100000 |
| The Andhra Pradesh State Co-Operative | 10000 | 100000 |
| The Baroda Central Co-Operative Bank Ltd | 15000 | 100000 |
| The Gujarat State Co-Operative Bank Limited | 50000 | 100000 |
| The Hasti Co-operative Bank Ltd | 100000 | 100000 |
| The Kalyan Janta Sahkari Bank | 100000 | 100000 |
| The Lakshmi Vilas Bank Limited | 100000 | 100000 |
| The Mahanagar Co-Op. Bank Ltd | 25000 | 50000 |
| The Malad Sahakari Bank Ltd | 10000 | 50000 |
| The Mehsana Urban Co-Operative Bank | 100000 | 100000 |
| The Municipal Co-Op Bank Ltd | 5000 | 50000 |
| The Muslim Co-Operative Bank Ltd | 100000 | 100000 |
| The Nainital Bank Ltd | 20000 | 40000 |
| The Ratnakar Bank Limited | 25000 | 25000 |
| The Saraswat Co-Operative Bank | 100000 | 100000 |
| The Surat People’s Co-Op. Bank Ltd | 25000 | 100000 |
| The Sutex Co-Op Bank | 100000 | 100000 |
| The SVC Co-Operative Bank Ltd | 10000 | 20000 |
| The Thane Janta Sahakari Bank Ltd (TJSB) | 100000 | 100000 |
| The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd | 100000 | 100000 |
| The Udaipur Mahila Urban Co-Op Bank Ltd | 100000 | 100000 |
| The Urban Cooperative Bank Ltd Dharangaon | 20000 | 25000 |
| The Varachha Co-Op Bank Ltd | 20000 | 40000 |
| The Vijay Cooperative Bank Ltd | 20000 | 200000 |
| The Vishweshwar Sahakari Bank Ltd | 100000 | 100000 |
| Tripura Gramin Bank | 10000 | 10000 |
| UCO Bank | 100000 | 100000 |
| Ujjivan Small Finance Bank Limited | 50000 | 100000 |
| Union Bank of India | 100000 | 200000 |
| United Bank of India | 25000 | 60000 |
| Uttarakhand Gramin Bank | 25000 | 100000 |
| Vananchal Gramin Bank | 20000 | 20000 |
| Vasai Vikas Co-Op Bank Ltd | 100000 | 100000 |
| Vijaya Bank | 25000 | 50000 |
| YES Bank | 100000 | 100000 |
Related Read: What are Payment Banks?
Google Pay limit for Peer to Merchant (P2M) Transactions
Businesses can experience issues when they want to accept multiple transfers or payments in huge amounts during the day.
While the maximum amount for Peer to Peer (P2P) transactions and most merchant payments is ₹1 lakh daily, for some Payment to Merchant (P2M) transactions such as credit card payments, loan repayments, and transactions in relation to capital markets, the limit is ₹2 Lakhs.
Razorpay UPI payment gateway helps merchants accept and disburse UPI payments seamlessly and cost effectively in such transaction limitations. This is especially useful as UPI has become the preferred mode of payments and is expected to reach ₹1 billion in daily transactions by FY 2026-27 as per a June 2023 PWC Study.
Related Read: What is Split Payment, And How Does it Work?
Google Pay as a Payment Method for Customers
Offering Google pay and other UPI apps is possible with Razorpay with the easiest integrations and multiple options like standard or custom checkout
Payment reconciliation is another important option, which is about cross-checking every payment transaction to deep dive into expense and profits. This can be done through the comprehensive dashboard of a payment gateway. The dashboard provides transaction details, analytics data and the flexibility to create custom reports based on the filtered data.
Related Read: How To Make UPI Payment Without Internet?
How to Increase Google Pay Limit?
The customer has to contact their bank and request to increase their GPay transfer limit. The bank will review the customer’s account activity to approve the higher limit.
These are the following steps to increase Google pay transaction limit:
- Verify your identity by providing necessary information and documentation.
- Link a bank account to your Google Pay account.
- Request a limit increase through the GPay app or website.
- A google representative will help you with the same
Related Read: What is the SBI UPI Transaction Limit Per Day?
Request a credit limit increase on Google Pay
To increase your GPay limit or request your current credit limit, contact Google pay by:
- Replying to the credit limit warning email you received when you exceed the transfer or credit limit in a day. This email is sent if you are a verified payment user and have opted in to receive emails related to your payments
- Contact your Google representative
Google pay credit team reviews each request on a case-by-case basis. You may be asked for more documentation such as:
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- Audited financial statements
- Bank guarantees
- Spending projections
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You will be notified if Google fulfils your request, and your credit limit is increased
Note that the process may vary depending on your country and the policies of Google Pay and the bank you are associated with.
Related Read: What To Do If Your Google Pay Transaction Fails?
Conclusion
Understanding the GPay transaction limits per day is essential for users to effectively manage their financial transactions and avoid any potential issues or delays. By following the guidelines and procedures set by GPay and the financial institutions involved, users can enjoy the convenience of digital transactions while keeping their finances safe and secure.
Frequently Asked Questions
1. What is the Google Pay transaction limit per month?
Google Pay does not impose a specific monthly transaction limit like some other payment apps. Instead, the limit is based on daily transaction limits, which are set at ₹1 lakh per day across all UPI apps. This means that if you stay within the daily limits, your monthly transactions can accumulate significantly.
2. What is the Google Pay transaction limit for a one-time transfer?
The Google Pay transaction limit for a one-time transfer is set at ₹1 lakh (₹1,00,000). This means that you can send or receive up to ₹1 lakh in a single transaction, provided you are not subject to any other restrictions.
3. Is there a daily limit on Google Pay?
Yes, the daily limit on money transfers on Google Pay is ₹1 lakh. You can request a maximum limit of ₹2000 in a day via UPI. The limit varies based on the country and the user’s account, and it can be checked in the app settings.
4. Can I transfer 50000 through GPay?
Yes, you can transfer ₹50,000 through GPay in India. However, it’s recommended to check your individual transaction limit with your bank or the Google Pay app.
5. What is GPay limit for SBI?
SBI had set a maximum daily limit of ₹1 lakh for fund transfer through Google Pay.
6. What is Google pay limit for HDFC bank?
HDFC Bank had set a maximum daily limit of ₹1 lakh for fund transfer through Google Pay.
7. Can I transfer ₹2 lakh through Google Pay?
No, you cannot transfer ₹2 lakh through Google Pay at one time. The transaction limit set by the National Payments Corporation of India (NPCI) allows a maximum transfer of ₹1 lakh (₹1,00,000) per transaction. Additionally, the total number of transactions per day is capped at 20 across all UPI apps. Therefore, if you wish to transfer ₹2 lakh, you would need to make two separate transactions on different days.
8. Why is my Google pay limit 5000 per day?
If you are a first time UPI user or have changed your phone, mobile number or UPI PIN, you can transfer only ₹5000 for the first 24 hours. Post 24 hours Google pay allows you to send up to ₹1 lakh in one day.
9. Why is GPay showing “limit exceeded”?
If Google Pay is showing “limit exceeded,”, or “you have reached a payment limit” it means you have reached the maximum transaction limit for the day as set by the National Payments Corporation of India (NPCI). This could be due to either the total amount you’ve transferred across all UPI apps exceeding ₹1 lakh (₹1,00,000) or the number of transactions surpassing the daily cap of 20.
10. How to check Google Pay limit?
To check your Google Pay transaction limit, you cannot find this information directly within the app. Instead, you need to contact Google Pay customer care at 1-800-419-0157. The customer support team will assist you in providing details about your transaction limits and any other queries you may have regarding your account.
