UPI Transaction Limit Checker 2026: Find Your Bank's Exact Per-Day & Per-Transaction Limits
Stop guessing! Check real-time UPI limits for 50+ banks - know exactly how much you can send before your transaction fails
🔍 Check Your Bank's UPI Limit Instantly
Select your bank below to see per-transaction limit, daily limit, and monthly cap. Updated with latest RBI & NPCI guidelines.
Data sourced from official bank websites and NPCI. Last updated: January 2026.
Why Does Your UPI Transaction Fail? 6 Costly Limit Problems You Face Daily
Every day, millions of UPI transactions fail simply because users don't know their bank's limits. Here are the real problems you face - and why knowing your limit BEFORE transacting saves time, money, and frustration:
Problem 1: "Transaction Failed" Without Clear Reason
You try to pay ₹1,20,000 for a new phone. Transaction fails. App shows vague error: "Unable to process". You try 3 more times. All fail. Reality: Your bank's per-transaction limit is ₹1,00,000. But nobody told you. You wasted 15 minutes and embarrassed yourself at the store.
Problem 2: Stuck with Cash When UPI Limit Exhausted
You've already transferred ₹95,000 today (paying rent + bills). Now emergency: ₹20,000 needed for hospital. UPI fails - daily limit of ₹1,00,000 exhausted. You didn't know you were at 95% of limit. Now scrambling for ATM at midnight. Knowing your remaining limit could have prevented this.
Problem 3: Different Limits in Different Apps - Confusing!
Your friend sends ₹1,50,000 via UPI. You believe it's possible because PhonePe shows ₹1 lakh limit but GPay sometimes allows more. Truth: Limit depends on YOUR BANK, not app. Your ICICI account has ₹1L limit regardless of app. You're confusing app interface with actual bank limit.
Problem 4: Can't Pay Large Amounts (Rent, EMI, Advance)
House rent: ₹45,000. Bike EMI: ₹8,000. Credit card: ₹35,000. AC purchase: ₹50,000. Total: ₹1,38,000 in one day. But daily limit = ₹1,00,000. You can't complete all payments in same day. Need to plan which payments today, which tomorrow. Nobody teaches you this.
Problem 5: Merchant Payment Has Different Limit!
You've been sending ₹1 lakh to friends successfully (P2P). But same amount to Reliance Digital fails (P2M). Surprise: Some banks have lower limits for merchant payments than personal transfers. Or vice versa. Two different limits = double confusion.
Problem 6: "When Does My Limit Reset?" Mystery
It's 11:30 PM. Daily limit exhausted. You think: "After midnight limit resets, I'll pay then." But does your bank reset at 12:00 AM or at different time? Some banks reset at different hours. You stay awake till 12 AM, try payment - still fails. Your bank resets at 3 AM. Information gap = wasted time.
23%
UPI failures due to limit exceeded
₹1L-2L
Common daily limit range
50+
Banks with different limits
12 AM
Most common limit reset time
Why UPI Limits Exist in First Place? RBI's 3 Reasons
UPI limits aren't arbitrary - they protect you: (1) Fraud Protection: If scammer gets your UPI PIN, they can only steal up to ₹1 lakh, not your entire savings (2) System Stability: Unlimited transactions would crash banking infrastructure (3) Error Recovery: Wrong transfer of ₹1 lakh is recoverable; wrong transfer of ₹10 lakh is life-destroying. Limits are safety nets, not restrictions.
What Are the 3 Types of UPI Limits? (Most People Only Know 1)
When people say "UPI limit", they usually mean just one type. But there are actually 3 different limits that apply to every UPI transaction. Understanding all three prevents 90% of transaction failures:
Per-Transaction Limit
₹1,00,000
What it means: Maximum amount you can send in a SINGLE transaction. Even if your daily limit is ₹5 lakhs, you cannot send more than ₹1 lakh in one go. Standard: ₹1 lakh for most banks (NPCI mandated). Some categories (like hospitals, education) may have higher limits up to ₹5 lakhs.
Daily Transaction Limit
₹1L - ₹5L
What it means: Total amount you can send in 24 hours (combined across all transactions). If limit is ₹1 lakh daily and you've sent ₹60,000, only ₹40,000 remains today. Varies by bank: SBI = ₹1 lakh, HDFC = ₹1 lakh, some private banks = ₹2-5 lakhs. Check your specific bank above!
Monthly Transaction Limit
₹25L - ₹50L
What it means: Maximum total you can transact in a calendar month. Less talked about but important for high-volume users. Why it matters: If you're a freelancer receiving ₹10 lakh monthly through UPI, you might hit monthly cap before month ends. Plan large payments accordingly.
Special Category: Which Transactions Have Higher ₹2 Lakh Limit?
In 2023-24, RBI and NPCI increased limits for specific essential categories from ₹1 lakh to ₹2 lakhs or more:
- Hospital & Healthcare: Medical emergencies, hospital bills, pharmacy - up to ₹5 lakhs
- Education: College fees, school payments, exam fees - up to ₹5 lakhs
- IPO Applications: Stock market IPO subscriptions - up to ₹5 lakhs
- Tax Payments: Income tax, GST payments - up to ₹5 lakhs
- Insurance Premiums: Life, health, vehicle insurance - up to ₹2 lakhs
- Credit Card Payments: Bill payments to credit cards - up to ₹2 lakhs
Common Mistake: Confusing Transaction Limit with Account Balance
Even if you have ₹10 lakhs in your bank account, your UPI limit might be ₹1 lakh. Having money ≠ being able to send it via UPI. For large amounts, you'll need NEFT/RTGS/cheque. Many users frustratingly wonder "I have the money, why can't I send it?" - now you know why.
UPI Limit by Bank: Complete 15-Bank Comparison Table (2026 Updated)
Different banks have different limits. Here's the most comprehensive comparison of UPI limits across India's top 15 banks. Use this before planning large transfers:
| Bank Name | Per Transaction | Daily Limit | Monthly Limit | Special Notes |
|---|---|---|---|---|
| State Bank of India (SBI) | ₹1,00,000 | ₹1,00,000 | No cap | Highest user base in India |
| HDFC Bank | ₹1,00,000 | ₹1,00,000 | ₹25,00,000 | Premium accounts may have higher |
| ICICI Bank | ₹1,00,000 | ₹1,00,000 | ₹25,00,000 | iMobile Pay integrated |
| Axis Bank | ₹1,00,000 | ₹1,00,000 | No cap | Supports @axisbank handle |
| Kotak Mahindra Bank | ₹1,00,000 | ₹1,00,000 | ₹25,00,000 | 811 accounts same limit |
| Yes Bank | ₹1,00,000 | ₹2,00,000 | No cap | Powers PhonePe backend |
| Punjab National Bank | ₹1,00,000 | ₹1,00,000 | No cap | Second largest PSU bank |
| Bank of Baroda | ₹1,00,000 | ₹1,00,000 | No cap | bob World UPI app |
| Canara Bank | ₹1,00,000 | ₹1,00,000 | ₹20,00,000 | BHIM Canara app |
| Union Bank of India | ₹1,00,000 | ₹1,00,000 | No cap | Vyom app integration |
| IndusInd Bank | ₹1,00,000 | ₹2,00,000 | ₹50,00,000 | Higher limit for premium |
| Federal Bank | ₹1,00,000 | ₹1,00,000 | No cap | Powers Google Pay backend |
| IDFC First Bank | ₹1,00,000 | ₹2,00,000 | No cap | Digital-first bank |
| RBL Bank | ₹1,00,000 | ₹1,00,000 | ₹25,00,000 | Abhi app integration |
| Paytm Payments Bank | ₹1,00,000 | ₹1,00,000 | ₹2,00,000* | *Wallet has separate limit |
Why Different Banks Have Different Limits?
NPCI sets the maximum cap (₹1 lakh per transaction). But individual banks can set LOWER limits based on: (1) Their risk appetite (2) Customer segment (premium vs regular) (3) Historical fraud patterns at that bank (4) Technical infrastructure capacity. That's why checking YOUR bank's specific limit matters - don't assume all banks are same.
How to Increase Your UPI Limit? 5 Legitimate Methods That Actually Work
Frustrated with ₹1 lakh limit? Here are 5 proven methods to increase your UPI transaction limit. Some work instantly, others take time - but all are legitimate:
Method 1: Upgrade to Premium Bank Account (Most Effective)
How it works: Banks offer higher UPI limits to premium/salary account holders. Convert your savings account to premium variant (requires minimum balance ₹25,000-1 lakh). Result: Some banks increase daily limit from ₹1 lakh to ₹2-5 lakhs. Example: HDFC Imperia, ICICI Privilege, Axis Burgundy accounts have enhanced limits. Contact your bank's relationship manager.
Method 2: Use UPI for Special Categories (₹2-5 Lakh Limit)
How it works: RBI allows higher limits for specific payment categories. If paying for hospital, education, tax, or IPO - you can transact up to ₹5 lakhs. Action: Pay directly to verified merchant's UPI (hospital, university, EPFO). The limit automatically applies when merchant is in approved category. Note: Doesn't work for P2P transfers, only to registered merchants.
Method 3: Use Multiple Bank Accounts (Simple Hack)
How it works: Each bank account has separate limit. If you have SBI + HDFC + ICICI accounts, your effective daily limit = ₹3 lakhs (₹1L × 3). Action: Link multiple bank accounts to your UPI app. Transfer from different accounts when one's limit exhausts. Pro tip: Keep accounts at different banks (not multiple accounts at same bank - they share limit).
Method 4: Request Bank for Limit Enhancement (Varies)
How it works: Some banks allow temporary or permanent limit increases on request. Visit branch → Submit application → Provide reason (business, property purchase, etc.) → Bank evaluates and may approve higher limit. Success rate: Varies by bank and your account history. More likely if you maintain high balance and good transaction history. Takes 3-7 working days.
Method 5: Split Large Payments Across Days (Planning)
How it works: Can't increase limit? Spread payment across multiple days. Example: Need to pay ₹3 lakhs for car? Pay ₹1 lakh today, ₹1 lakh tomorrow, ₹1 lakh day after. Inform recipient about split payments. When this works: Rent (landlord can wait), personal loans (friend understands), purchase advance (negotiate with seller). When it doesn't: Emergency payments, one-time purchases.
Warning: 3 "Limit Increase" Scams to Avoid
Scam 1: "Pay ₹500 fee to increase UPI limit" - NO bank charges for this. 100% scam.
Scam 2: "Share OTP to activate higher limit" - Never share OTP with anyone. Scam.
Scam 3: "Download this app for ₹5 lakh limit" - Only official bank apps. Fake apps steal money.
Real limit increase happens through bank branch or official net banking - never via third parties.
PhonePe vs Google Pay vs Paytm: Do Different Apps Have Different Limits?
One of the most common confusions: "My friend sends ₹2 lakhs from PhonePe but I can't from GPay". Let's clear this myth once and for all:
The Truth: App Doesn't Decide Limit - Your Bank Does
Whether you use PhonePe, Google Pay, Paytm, BHIM, or any other UPI app, your transaction limit is determined by your BANK, not the app. The app is just an interface - actual transaction happens through your bank account.
PhonePe
Google Pay
Paytm
Why Does It "Feel" Like Apps Have Different Limits?
- Different linked banks: You have SBI linked to GPay (₹1L limit) and IndusInd linked to PhonePe (₹2L limit). Different limits = different banks, not apps.
- Wallet vs Bank account: Paytm has both wallet (₹10K/month) and bank account (₹1L/day). Using wallet shows lower limit. Confusing but different products.
- Merchant categories: Some apps show higher limits for specific merchants (hospitals). The limit is category-specific, not app-specific.
- Outdated app versions: Old app versions may show incorrect limits. Update your app to see accurate limits.
Pro Tip: How to Check Your Exact Remaining Limit in Any App
PhonePe: Profile → My Money → Bank Accounts → Click account → "Know your limits"
Google Pay: Try initiating a payment → Enter large amount like ₹99,999 → If it shows error, try lower → Find max allowed
Paytm: Go to "Transfer Money" → Bank Account → It shows daily limit remaining
BHIM: Profile → Bank Account → View Limits
Check before large transfers to avoid failed transactions!
10 Most Confusing UPI Limit Questions Answered (Expert Explanations)
These are questions we receive daily from confused users. Get clarity on every UPI limit doubt once and for all: