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.

GPay/Google Pay Transaction Limit Per Day

The Gpay limit per day for money transfers for users in India is ₹1,00,000. Moreover, in 24 hours you can send money only a maximum of 10 times in GPay or any other UPI app. If you want to transfer more money or conduct a greater number of transactions, you will have to wait for the 24-hour time period to get over.

To avoid any kind of cyber fraud, GPay allows you to request a maximum limit of ₹2000 in a day via the Virtual Payment Address (VPA) in UPI.

When you download the Google pay and register as a first time user, the first transaction limit on Google pay is also ₹1,00,000. However, if you have changed your phone, mobile number, or UPI PIN, you can send a maximum of ₹5,000 for the first 24 hours.

Also, as a first time setup you may have to transfer ₹1 to Google Pay to ensure setup completion. ₹1 will later be refunded back to your account.

UPI Limit Per Day Across UPI Apps

The UPI limit per day across all UPI apps per day is ₹1,00,000. Hence your Gpay limit per day will also depend on other UPI transfers you have done in a day. Let’s say that you send ₹20,000 through one UPI app on a particular day, then your Google pay transfer limit for that day will now be ₹80,000.

In addition to the money transfer limit on UPI transactions, NPCI has also set a limit on the maximum number of UPI transactions per day. As per new NPCI regulations, a person can make upto 20 transactions in a day, post which they are required to wait for 24 hours to start transacting again. Note that the transaction limits can vary depending on different banks.

Related Read: UPI Transaction Charges & Limits in 2024


The National Payments Corporation India (NPCI) has also proposed to put a 30% volume cap on all UPI apps. Currently Phonepe and Gpay have a combined 82.4% market share in UPI transactions as per NPCI Data. This is to ensure that these UPI apps don’t form a monopoly on the UPI market. However, the deadline for limiting the volume cap for TPAPs (Third Party App Providers) has been extended by 2 years up to December 31, 2024 from an earlier deadline of Jan 1, 2023.

Google Pay Transaction Limits for Different Banks in 2024

Different banks may have varying Gpay transaction limits per day. Understanding these limits is essential to avoid any inconvenience while making transactions. 

The below table gives detailed information about Google Pay transaction limits per day in 2024 for 143 different banks across India

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
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

Google Pay Transaction Limits for Initial Public Offering (IPO) and Retail Direct Scheme (RDS)

As per NPCI guidelines from December 2021, the Google Pay transaction limit for Initial Public Offering (IPO) and Retail Direct Scheme (RDS) is ₹5 lakh.

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.

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.

How to Increase Google Pay Transaction Limit?

To increase the Google pay transaction limit, below steps can be followed:

  • 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

Request a credit limit increase on Google Pay

To increase your credit 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:

                • Audited financial statements
                • Bank guarantees
                • Spending projections

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.


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. is there 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.

2. 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.

3. How do I Increase my daily limit on GPay?

To increase your daily limit on GPay, you need to verify your identity and link a bank account to your GPay account. After that, you can request a limit increase through the GPay app or website. The process may vary depending on your country and the policies of your bank and GPay.

4. What is google pay limit for SBI?

SBI had set a maximum daily limit of ₹1 lakh for fund transfer through Google Pay.

5. 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.

6. Can I transfer 2 lakh through Google Pay?

As per the limit set by the National Payments Corporation of India (NPCI), you cannot transfer more than ₹1 Lakh through Google pay. Also, the number of transactions per day is capped at 10 times in a single day across all UPI apps.

7. 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.


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