The National Payments Corporation of India (NPCI) has raised Unified Payments Interface (UPI) transaction limits for select categories of digital payments, easing high-value transactions for users and merchants.
\nThe revised limits take effect from September 15, 2025.<\/p>\n
Under the new framework, users can transact up to \u20b910 lakh in 24 hours for specific verified merchant categories.<\/p>\n
The enhanced limits apply only to Person-to-Merchant (P2M) payments, while Person-to-Person (P2P) limits remain unchanged at \u20b91 lakh per day. Member banks retain the flexibility to set lower limits based on their risk policies.<\/p>\n
Key changes in UPI limits<\/p>\n
\nFor capital market investments and insurance payments, the limit has been raised from \u20b92 lakh to \u20b95 lakh per transaction, with a maximum of \u20b910 lakh allowed in 24 hours. Similarly, government e-marketplace transactions including earnest money deposits and tax payments can now go up to \u20b95 lakh per transaction, against the earlier \u20b91 lakh cap.<\/p>\n
In the travel sector, the transaction ceiling has increased from \u20b91 lakh to \u20b95 lakh, with a daily cap of \u20b910 lakh. Credit card bill payments can now be made up to \u20b95 lakh in one go, though the daily cap is restricted to \u20b96 lakh.<\/p>\n
For loan and EMI collections, the limit is now \u20b95 lakh per transaction and \u20b910 lakh per day, while jewellery purchases see a modest increase from \u20b91 lakh to \u20b92 lakh per transaction and a daily cap of \u20b96 lakh.<\/p>\n
In banking services, term deposits through digital onboarding are now allowed up to \u20b95 lakh per transaction and per day, compared to the previous \u20b92 lakh.<\/p>\n
Digital account opening remains unchanged at \u20b92 lakh. In addition, foreign exchange retail payments via BBPS have been enhanced to \u20b95 lakh per transaction, with a \u20b95 lakh daily cap.<\/p>\n
Why the higher UPI limits matter<\/p>\n
The changes will help users:
\n<\/p>\n
\n \tAvoid splitting large payments into multiple transactions.
\n \tPay insurance premiums, loan EMIs, or investments seamlessly through UPI.
\n \tExperience real-time settlements with fewer disruptions.
\n
\nAkash Sinha, CEO and Founder of Cashfree Payments, said, \u201cRaising UPI limits to \u20b95 lakh per transaction and \u20b910 lakh per day is a timely move that solves a very real problem for merchants handling high-value payments. With higher UPI limits, merchants can now offer a single, seamless digital checkout while maintaining instant settlement.\u201d<\/p>\n
First Published:\u00a0Sept 5, 2025 2:04 PM IST<\/p>\n","protected":false},"excerpt":{"rendered":"The National Payments Corporation of India (NPCI) has raised Unified Payments Interface (UPI) transaction limits for select categories…\n","protected":false},"author":2,"featured_media":120171,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[2306,22031,86,56,9905,54,55,8180,21813,57312,57311],"class_list":{"0":"post-120170","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mobile","8":"tag-mobile","9":"tag-npci","10":"tag-technology","11":"tag-uk","12":"tag-unified-payments-interface","13":"tag-united-kingdom","14":"tag-unitedkingdom","15":"tag-upi","16":"tag-upi-limit","17":"tag-upi-limit-changes","18":"tag-upi-transaction"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/120170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=120170"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/120170\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/120171"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=120170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=120170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=120170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}