Daily UPI transaction limits increased: Now you can pay up to Rs 5 lakh if payments fall under these categories: check list

The National Payments Corporation of India (NPCI), the organisation that facilitates the Unified Payments Interface (UPI), has announced an increase in per transaction limits for entities under categories aligned to tax payments. The changes came into effect from September 15, 2025.

In a statement, NPCI has said that the increased limit will be applicable to entities under categories aligned to tax payments to Rs 5 lakh. After the increased limit comes into effect, the UPI limit for government e-market place, travel and business/merchant-related transactions will be Rs 5 lakh.

Not just that, NPCI has also increased the transaction limit to Rs 10 lakh within 24 hours for categories like insurance premiums & capital markets.


NPCI has said in a statement on its official website, “NPCI has increased the per transaction limits for entities under categories aligned to Tax Payments to 5 lakh. With UPI emerging as a preferred payment method, there are requirements from the market on extending higher per transaction limits for additional categories of transactions in UPI.”

Also read: New UPI rules from August 1, 2025: These new payment guidelines could affect your daily transactions

When NPCI increased limits for various categories, it also issued additional guidelines for users-
The enhanced limits shall be applicable for merchants which are categorised as ‘Verified Merchant’.
Acquiring member banks are required to ensure that such limits shall be provided to the merchants which are compliant to the NPCI UPI guidelines mentioned in NPCI/UPI/OC-100/2020-21, NPCI/UPI/OC-163/2022-23, NPCI/UPI/OC-163A/2023-24 and NPCI/UPI/OC-190/2023-24 wherever applicable.

Member banks may continue to be provided the discretion to set their internal limits based on their internal policy, within the overall ceilings prescribed by NPCI.

The per transaction limit for P2P shall continue as per the extant guidelines.

According to a BHIM social media post on X (formerly Twitter), “Effective from 15th September, now make high-value payments seamlessly with UPI! NPCI has increased the transaction limit to Rs 10 lakh within 24 hours for categories like insurance premiums & capital markets, making big payments easier and faster than ever.”

Category	Enhanced Limits (per transaction) (in ₹)	New Cumulative Limits (24 hours) (in ₹)
Capital Markets (Investments)	5 lakh	10 lakh
Insurance	5 lakh	10 lakh
Government e-Market Place (GeM Payments)	5 lakh	10 lakh
Travel	5 lakh	10 lakh
Credit Card Payments	5 lakh	6 lakh
Collections	5 lakh	10 lakh
Jewellery	5 lakh	6 lakh
Business/ Merchant	5 lakh	--
FX Retail via BBPS	5 lakh	5 lakh
Digital Account Opening	2 lakh	2 lakh
Digital Account Opening - Initial Funding	2 lakh	2 lakh

Unified Payments Interface (UPI) is developed by the National Payments Corporation of India (NPCI), an RBI-regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two party bank accounts.