Unified Payments Interface (UPI), the instant real-time payment system, has made the way very easy for online money transfer and transactions. This helps in sending or receiving money in seconds even without entering much details. From buying vegetables and fruits from a hawker to paying hefty bills for electricity, the UPI plays a major role and is now accepted widely.
However, fewer people are aware about the limit on the amount you can transfer using UPI apps and the number of transactions you can make in a day.
As per the National Payments Corporation of India (NPCI), an individual can transfer up to Rs 1 lakh via UPI in a single day.
Some of the highly used applications to transfer or receive money using UPI are
Paytm
,
Google Pay
,
Amazon Pay
,
PhonePe
among others. These apps have set different upper limits of UPI transactions. Let's check it out.
- What is the UPI transaction limit through Paytm per day?
Paytm UPI allows you to transfer the maximum amount of Rs 1 lakh in a day. A person can make Paytm transactions of up to Rs 20,000 per hour through UPI. There is a limit of a maximum five transactions an hour and maximum 20 transactions a day via Paytm UPI. - How many transactions can you make in a day through Google Pay?
Going by the limit set by NPCI, you cannot transfer more than Rs 1 lakh through Google Pay. The number of transactions per day which one can make is not more than 10 times in a single day across all UPI apps. - What is the transaction limit via Amazon Pay UPI in a single day?
Amazon Pay also allows UPI transactions of up to Rs 1 lakh per day. However, one can only send up to Rs 5,000 for the first 24 hours of registering on Amazon Pay. - What is the PhonePe UPI transaction limit in a day?
Just like other applications, PhonePe also restricts the UPI transactions up to Rs 1 lakh in a day. It also depends on the bank of the person the money is being transferred from. - Can I pay Rs 3 lakh through UPI?
The maximum payment a person can make through UPI is Rs 1 lakh per day as per the guidelines issued by the NPCI. - Does UPI charge money?
As of now, there are no charges levied on the UPI transactions.
FAQs
The maximum UPI transaction limit per day is Rs. 1 lakh as per NPCI (National Payments Corporation of India).
What is the UPI limit per day or 24 hours? ›
As per the National Payments Corporation of India (NPCI), the daily Current Account UPI transaction limit can range between ₹ 25,000 to ₹ 1 lakh. It means that you cannot transfer or receive more than ₹ 1 lakh through a UPI app within 24 hours.
What is the maximum UPI transaction per day by PhonePe? ›
The daily transaction limit for UPI transactions on PhonePe for users in India is ₹1 Lakh. In 24 hours you can send money only a maximum of 20 times on Phonepe. This means that you can transfer up to ₹1 lakh in a single day, which can be broken into a total of 20 transactions each day.
What is the limit of GPay transfer 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.
Can I transfer $50,000 through GPay? ›
Yes, you can transfer ₹50,000 through Google Pay in a single transaction. Why is My GPay Limit ₹5,000? Your GPay limit might be ₹5,000 if you've recently changed your mobile phone, number, or UPI PIN, as this is the maximum you can send within the first 24 hours after such changes.
Can I transfer 2 lakh through UPI? ›
Third-party UPI apps permit a maximum of 10 transactions per day. The per transaction limit for any UPI transaction is ₹ 1 Lakh. UPI transactions related to capital markets, collections, insurance, and foreign inward remittances have a limit of ₹ 2 Lakh per transaction.
Can I transfer $50,000 through UPI? ›
As per NPCI, the UPI transaction limit for normal UPI transactions is ₹1 lakh per day. Moreover, NCPI allows a maximum of 20 UPI transactions per day. The maximum UPI daily transfer limit can vary from bank to bank, ranging between Rs.25,000 and Rs.1 lakh.
What is the Paytm limit per day? ›
What is the UPI transaction limit through Paytm per day? Paytm UPI allows you to transfer the maximum amount of Rs 1 lakh in a day. A person can make Paytm transactions of up to Rs 20,000 per hour through UPI. There is a limit of a maximum five transactions an hour and maximum 20 transactions a day via Paytm UPI.
How to transfer 5 lakhs in one day? ›
Step 1: Go to the mobile banking app. Step 2: Click on the 'Fund Transfer' section. Step 3: Choose 'IMPS' as the preferred method for fund transfer. Step 4: Give the recipient's mobile number and then choose the beneficiary bank name; Notably, there is no requirement to enter an account number or IFSC.
Can I transfer $20,000 from Google Pay? ›
The GPay limit per day for money transfers is ₹1,00,000. Moreover, you can only send money a maximum of 10 times in GPay or any other UPI app. However, if you want to transfer more funds, you are allowed to do so after 24 hours have passed.
Using IMPS, you can transfer comparatively lower amounts, up to Rs. 2 lakhs, instantly. So, you can think of IMPS as the fund transfer mode that has the best features of both RTGS and NEFT. You can transfer amounts as low as you want, any time you want, with instant results.
Why is my GPay showing my UPI limit exceeded? ›
Daily limits
You may reach a daily limit if: You try to send more than ₹1,00,000 in one day across all UPI apps. You try to send money more than 20 times in one day across all UPI apps. You request more than ₹2,000 from someone.
What are the new rules for UPI payments? ›
The new guidelines on UPI transaction fees of up to 1.1% are applicable to merchants accepting payments above Rs.2,000 using PPIs, such as mobile wallets. Individuals making personal transactions using UPI are not charged any fees. Thus, UPI payments of any amount for personal transactions are free.
Does the UPI limit reset at midnight? ›
Be aware that UPI transaction limits reset at the end of each day. If you have reached your daily limit, you can make additional transactions after the reset. Understanding this cycle allows you to manage your finances effectively within the prescribed limits.
What is the limit of UPI in Bank of India? ›
Along with the above features, customers also get numerous benefits due to the Bank of India UPI application. Some of these benefits are mentioned below. Bank of India UPI can be used to transfer funds up to a maximum of Rs. 1,00,000 per day and does not have any minimum transaction limit.
How many UPI transactions per day in Union Bank of India? ›
The upper limit mandated by NPCI is Rs. 1 lakh per transaction and Rs. 1 lakh total value of the transaction. A limit of 10 transactions can be initiated within 24 hours of the first transaction.
What is the UPI limit per day for HDFC? ›
The UPI transaction limit is Rs 1 lakh or 10 transactions per day.
