Looking for the GPay per day limit in India? Want to know the maximum transaction limit of Google Pay?

So, here is the blog to answer all your questions. Know about the GPay per day transfer limit and also the maximum transaction limit in Google Pay which differs according to banks.

Without further ado, let’s jump right in.

GPay/Google Pay Transaction Limit Per Day

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. The UPI transfers, all combined, have the above said GPay transfer limit per day.

To avoid fraud, google pay allows you to request a maximum of ₹2,000 in a day through your VPA in UPI

After downloading the app, you may have to transfer  ₹1 to GPay to ensure that the setup is complete. However, the  ₹1 will be refunded back to your account. The first transaction limit of Google Pay is also ₹1,00,000.

Businesses have to accept thousands of UPI payments a day. Thus, this is where UPI integration with a payment gateway comes in.

It is important to note that ₹1 Lakh is the total amount you can send across all UPI apps. So, your transaction limit of Google Pay will depend on the other UPI transactions you have done in a day.

Also, please note that the GPay transaction limit for Initial Public Offering (IPO) and Retail Direct Scheme (RDS) is ₹5 lakhs, according to NPCI1.

The NPCI proposed to put a 30% volume cap on all UPI apps. This is to ensure that UPI apps like PhonePe and GPay don’t have 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.

Google Pay Transaction Limit for Different Banks

So, below is the table that gives detailed information about the GPay limits per day as well as per transaction. It also displays the weekly and monthly Google Pay transaction limits of several banks:

Name of InstitutionPer Transaction Limit of Google Pay (INR) GPay Transfer Limit Per Day (INR)Google Pay Transaction Limit Per Week (INR)GPay Transaction Limit Per Month (INR)
A P Mahesh Bank25,000100,000NANA
Aditya Birla Bank100000100000NANA
Airtel Payments1,00,0001,00,000NANA
Allahabad Bank25,0001,00,000 NA NA 
Allahabad UP Gramin25,000100,000NA NA 
Andhra Bank1,00,0001,00,000NANA
Andhra Pradesh Grameen Vikas 2500025000NANA
Andhra Pragathi2500025000NANA
Apna Sahakari100000100000No limitNo limit
Assam Grameen50002500050000100,000
Bandhan Bank100000100000NANA
Bank of Baroda25,00050,000NANA
Bank of Maharashtra1000020000NANA
Baroda Gujarat Gramin Bank25,000NANANA
Baroda Uttar Pradesh Gramin 25,000100,000NANA
Bihar Gramin100,000200,000NA2,000,000
BOI 10,000100,000NANA
Canara Bank100,000100,000NANA
Catholic Syrian Bank 1,00,0001,00,000 NANA
Central Bank of India2500050000NANA
Chaitanya Godavari Gramin Bank25,000100,000NANA
Chhattisgarh Rajya Gramin Bank2500025000NANA
Citibank 1,00,000 1,00,000 NANA
Corporation Bank500001,00,000NA20,00,000
City Union Bank1,00,0001,00,000NANA
DBS Bank1,00,0001,00,000NANA
DCB BANK2500025,000NANA
Dena Bank 100,000 100,000NANA
Deutsche Bank AG100,000NANANA
Dhanlaxmi Bank50,0001,00,000NA1,500,000
Dombivli Nagri Sahakari Bank100,000100,000NANA
Equitas Small Finance Bank Payments Bank 1,00,0001,00,000NANA
Federal bank1,00,0001,00,000 NANA
G P Parsik Bank500001000007000003000000
Gujarat State Bank2500050000NANA
HDFC Bank1,00,0001,00,000NA NA
HSBC Bank100000100000NANA
Indian Bank1,00,0001,00,000 NANA
ICICI Bank10,00010,000NANA
IDBI 25,00050,000NA NA
IDFC 1,00,000100,000700,0003,000,000
IndusInd Bank100000100000NANA
IndusInd Bank100000100000NANA
Janta Sahakari Bank100000NANANA
Karnataka Bank 1,00,000100,000NA20,00,000
Karnataka Vikas2500025000NANA
Karur Vysya Bank1,00,0001,00,000 NANA
Kerala Grameen Bank**10-5000050000NANA
Kotak bank25,00050,000NANA
Langpi Dehangi2500025000NANA
Mahanagar Bank25,000100,000NANA
Maharashtra Grameen Bank2500025000NANA
Malwa Gramin Bank2500025000NANA
Meghalaya Rural Bank2500025000NANA
Mehsana Urban  Co-operative Bank1,00,0001,00,000NANA
NKGSB Co-Op Bank Ltd 20,00040,000NANA
Punjab and Maharashtra Co-Op Bank Ltd1,00,0001,00,000NANA
Paytm Payments Bank100000NANANA
Pragathi Krishna Grameen Bank*10-2000020000NANA
Prathama Bank2500025000NANA
Purvanchal Bank2500025000NANA
Rajasthan Marudhar2500025000NANA
Rajkot Nagrik Bank100000100000No limitNo limit
Samruddhi Co-Op Bank50,00050000350000150000
Saraswat Co-op Bank  1,00,00050,000NANA
Saurashtra Gramin Bank2500025000NANA
SBI / State Bank of India100,000100,000NANA
South Indian Bank1,00,0001,00,000 NANA
Standard Charter Bank100000NANANA
Standard Chartered Bank100000100000NANA
Surat People Cooperative Bank100,000100,000NANA
SVC Bank10,00020,000140,000600,000
Syndicate bank50,00050,000NANA
Thane Bharat Sahakari Bank50000100000No limitNo limit
Thane Janta sahakari Bank100000100000No limitNo limit
The Jammu and Kashmir Bank Ltd25,00025,000NA250,000
The Kalyan janta sahakari Bank100000100000No limitNo limit
The Sutex Co–Op Bank200000200000NANA
UCO1,00,0001,00,000NA NA 
Ujjivan Small Finance Bank50,000100,000NANA
Union Bank of India1,00,000100,0005,00,00020,00,000
United Bank of India 100,00025,000NA NA 
Uttarakhand Gramin Bank2500025000NANA
Varanchha Bank20,00040,000NANA
Vijaya Bank50,00050,000NANA
Vishveshwar Co opp Bank1,00,0001,00,000NANA
Yes Bank1,00,0001,00,000NANA

Now that we have covered the transaction limit of GPay, let’s move on to something interesting.

How To Go Beyond GPay Transaction Limit?

Now, the maximum transaction limit in GPay can be a hurdle for businesses.

As a merchant, you need to accept payments in massive amounts transfer funds and multiple times a day.

Thankfully, the GPay limit per day does not apply to peer-to-merchant transactions. A customer can pay a business as many funds as required. Moreover, there is no limit to the number of transactions either.

A payment gateway like Cashfree can help you accept and disburse UPI payments seamlessly. UPI payments for businesses have seen an enormous spike as it has become a preferred mode of payment. In fact, according to a report by PwC, it is expected that daily UPI transactions will reach 1 billion by FY 2026-272. Out of these transactions, GPay had a share of 36%3.

Needless to say, businesses have a lot to gain by offering UPI as a payment mode to customers. It will decrease cart abandonment rates and increase customer satisfaction due to its ease of use. 

Having said that, let’s dive deeper. Let’s have a look at the biggest advantages of accepting and disbursing payment through UPI for businesses.

Offering GPay As a Payment Mode To Customers

In India, more than 12 lakh websites4 use GPay as a payment mode. The reason behind it is simple. It has one of the largest customer bases in India. Moreover, it is easy to use and increases customer satisfaction with the payment process. 

A payment gateway can help you offer UPI apps like GPay after easy integration. Let’s dive deeper to understand other benefits of offering GPay as a payment mode through a payment gateway.

Higher Profits For Businesses

A payment gateway helps you accept payments from your customers. Now, the patent gateway charges directly affect your business’ profit. 

How? Let us explain!

A payment gateway charges you a fee on every customer transaction. This fee is known as the merchant discount rate (MDR).

Interestingly, the merchant discount rate for UPI transactions through apps like GPay is 0%. As a result, it leads to higher profit for the business as there is no MDR discounted from the settlement. 

It is important to note that the payment gateway may have fixed charges on top of the MDR. These fixed charges may be the setup fee or the annual maintenance fee. However, Cashfree Payments does NOT levy any setup or maintenance fees on its merchants.

Swift Reconciliation

Transactions through UPI apps like GPay are easy. However, it is even easier to reconcile them. Reconciling your payment is cross-checking every payment company payment transaction and thus, understanding the expense and profits.

Related Read: Reconciling Your Payment – The Ultimate Guide

So, a payment gateway can help you reconcile your payment through comprehensive dashboards. These dashboards will show the date/time of the transaction, the amount, the merchant discount rate and also the net settlement amount of each transaction.

Furthermore, you can filter out your transactions to create custom reports. You may filter the GPay transactions based on either their period or settlement amount. 

Finally, a payment gateway dashboard also offers payment analytics. This can help you understand your past transactions and therefore, estimate your cash flow accurately. This can also help small and medium businesses in business forecasting and chalking out a future plan.

No Transaction Limit in GPay

Although the NPCI has set a Google Pay transaction limit in India, the rules are different for businesses. The P2P (person/customer to person/customer) limit is ₹1 Lakh and also for many merchant payments However, for some P2M (person/customer to merchant), the limit is ₹2 Lakh. 

Hence, you can make any amount of transactions through a payment gateway. Cashfree also allows you to set your own transaction limits in terms of amount and frequency.

Interestingly, a payment gateway can also help you offer recurring bill options to your customers. They can choose to make repeat payments through UPI apps like Google Pay, Phone Pe, Paytm and even more. 

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