One of the most frequently asked questions about UPI is the UPI transaction limit per month!

UPI transaction limit per day is set at Rs 1 lakh, according to the NPCI, the RBI-regulated entity that built UPI. However, the maximum limit can change from bank to bank.

UPI transaction limit can be categorised as:

  1. Limit of the transaction amount, that is, the maximum amount of money that can be transferred via UPI.
  2. Frequency, i.e. the number of UPI transactions a person can do in a day.

UPI Transaction Limit Per Day

The UPI transaction limit per day has been defined by each bank in the UPI network and varies from bank to bank. For example, the SBI UPI transaction limit per day is Rs 1,00,000.

UPI Transaction Limit Per Week

Some banks have also defined how much amount can be transferred through UPI in a week. For example, the IDFC UPI limit per week is Rs 1,00,000.

UPI Transaction Limit Per Month

Limited public sector banks and recognised private banks have imposed a UPI transaction limit per month. For example, IDFC bank’s UPI transaction limit per month is Rs 30,00,000, while SBI has not set any limit.

Now, until all banks adhere to the standard UPI limit set by RBI, most banks will have varying UPI transaction limits. Here is the UPI limit of major banks in India.

Bank nameBank typeSponsor BankUPI transaction limitUPI daily limit
Abhyudaya Co-Operative BankCooperativeNA2500025000
Adarsh Co-Op Bank LtdCooperativeHDFC Bank5000050000
Aditya Birla Idea Payments BankPayments BankNA100000100000
Airtel Payments BankPayments BankNA1,00,0001,00,000
Allahabad BankPublic Sector BankNA25000100000
Allahabad UP Gramin BankRRBAllahabad2000040000
Andhra BankPublic Sector BankNA100000100000
Andhra Pradesh Grameena Vikas BankRRBSBI25000100000
Andhra Pragathi Grameena BankRRBNA1000020000
Apna Sahakari BankCooperativeNA100000100000
Assam Gramin VIkash BankRRBUnited Bank of India500025000
Axis BankPrivateNA100000100000
Bandhan BankPrivateNA100000100000
Bank Of BarodaPublic Sector BankNA25000Not set
Bank of IndiaPublic Sector BankNA10000100000
Bank of MaharashtraPublic Sector BankNA100000100000
Baroda Gujarat Gramin BankRRBBank of Baroda25000Not set
Baroda Rajasthan Kshetriya Gramin BankRRBBOB2500025000
Baroda Uttar Pradesh Gramin BankRRBBank of Baroda2500025000
Bassein Catholic Co-Op BankCooperativeNA2000040000
Bhilwara Urban Co Operative Bank LTDCooperativeHDFC2500025000
Bihar Gramin BankRRBUCOMergerd with DBGB
Canara BankPublic Sector BankNA100000100000
Catholic Syrian BankPrivateNA100000100000
Central Bank of IndiaPublic Sector BankNA100000100000
Chaitanya Godavari Grameena BankRRBAndhra Bank25000100000
Chhattisgarh Rajya Gramin BankRRBSBI25000100000
Citibank RetailForeign BankNA100000100000
City Union BankPrivateNA100000100000
COASTAL LOCAL AREA BANK LTDCooperativeBOM500001,00,000
Corporation BankPublic Sector BankNA50000100000
DBS Digi BankForeign BankNA100000100000
DCB BankPrivateNA50005000
Dena BankPublic Sector BankNA100000100000
Dena Gujarat Gramin BankRRBDenaNA (Merged)
Deutsche Bank AG (Web Collect)Foreign BankNANA
Dhanlaxmi Bank LtdPrivateNA100000100000
Dombivali Nagrik Sahakari BankCooperativeNA100000100000
Equitas Small Finance BankSmall Finance BankNA25000100000
ESAF Small Finance BankSmall Finance BankNA100000100000
Federal BankPrivateNA100000100000
FINO Payments BankPayments BankNA100000100000
G P Parsik BankCooperativeNA100000100000
HDFCPrivateNA100000
(RS 5000 for new customer)
100000
Himachal Pradesh Gramin BankRRBPNB50,00050,000
HSBCForeign BankNA100000100000
Hutatma Sahakari Bank LtdCooperativeICIC Bank100000No limit
ICICI BankPrivateNA10000
(25000 for Google Pay users)
10000
(25000 for Google Pay users)
IDBI BankPublic Sector BankNA100000100000
IDFCPrivateNA100000100000
India Post Payment BankPayments BankNA2500050000
Indian BankPublic Sector BankNA100000100000
Indian Overseas BankPublic Sector BankNA50000100000
IndusInd BankPrivateNA100000100000
J&K Grameen BankRRBJ&K20,00020,000
Jalgaona Janata Sahkari BankCooperativeNA100000100000
Jammu & Kashmir BankPrivateNA2000020000
Jana Small Finance BankSmall Finance BankNA1000040000
Janta Sahakari Bank PuneCooperativeNA100000100000
Jio Payments BankPayments BankNA100000100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank LtdCooperativeNA25000200000
Karnataka BankPrivateNA100000200000
Karnataka Vikas Grameena BankRRBNA2500025000
Karur Vysaya BankPrivateNA100000100000
Kashi Gomti Samyut Gramin BankRRBNA100000100000
Kaveri Grameena BankRRBSBI2500025000
Kerala Gramin BankRRBNA2000020000
Kotak Mahindra BankPrivateNA100000100000
Langpi Dehangi Rural BankRRBSBI10000100000
Madhya Bihar Gramin BankRRBPNB25000100000
Maharashtra Grameen BankRRBBOM25000100000
Maharashtra State Co-Op BankCooperativeNA500050000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)RRBSBI1000025000
Manipur Rural BankRRBSBI1000010000
Maratha Co-Op BankCooperativeNA100000100000
Meghalaya Rural BankForeign BankSBI100000100000
Mizoram Rural BankRRBSBI25000100000
NKGSB Co-Op. Bank LtdCooperativeNA2000040000
Oriental Bank of CommercePublic Sector BankNA100000100000
Paschim Banga Gramin BankRRBUCO500025000
Paytm Payments BankPayments BankNA100000100000
Pragathi Krishna Gramin BankRRBNA2000020000
Prathama BankRRBNA1000050000
Punjab and Maharastra Co-Op BankCooperativeNA100000100000
Punjab and Sind BankPublic Sector BankNA1000010000
Punjab Gramin BankRRBPNB1000025000
Punjab National BankPublic Sector BankNA2500050000
Purvanchal BankRRBSBI25000100000
Rajasthan Marudhara Gramin BankRRBSBI2500025000
Rajkot Nagari Sahakari Bank LtdCooperativeNA100000100000
Samruddhi Co-Op Bank LtdCooperativeTJSB100000100000
Sarva Haryana Gramin BankRRBPNB50,0001,00,000
Sarva UP Gramin BankRRBPNB50000100000
Saurashtra Gramin BankRRBSBI20000100000
Shree Kadi Nagarik Sahakari Bank LtdCooperativeYes Bank100000100000
South Indian BankPrivateNA100000100000
Standard CharteredForeign BankNA100000100000
State Bank of IndiaPublic Sector BankNA100000100000
Suco Souharda Sahakari BankCooperativeICICI Bank100000100000
Suryoday Small Finance Bank LtdSmall Finance BankNA100000100000
Suvarnayug Sahakari Bank LtdCooperativeHDFC100000100000
Syndicate BankPublic Sector BankNA10000100000
Tamilnadu Mercantile BankPrivateNA100000100000
Telangana Gramin BankRRBSBI25000100000
Telangana State Co-Operative Apex BankCooperativeIDBI100001,00,000
Thane Bharat Sahakari BankCooperativeNA100000100000
The Cosmos Co-Operative Bank LTDCooperativeNA1000050000
The A.P. Mahesh Co-Operative Urban BankCooperativeNA2500025000
The Ahmedabad District Co-Operative Bank LtdCooperativeGSCB1000025000
The Ahmedabad Mercantile Co-Op Bank LtdCooperativeHDFC Bank100000100000
The Andhra Pradesh State Co-OperativeCooperativeNA10000100000
The Baroda Central Co-Operative Bank LtdCooperativeGSCB15000100000
The Gujarat State Co-Operative Bank LimitedCooperativeNA50000100000
The Hasti Co-operative Bank LtdCooperativeNA100000100000
The Kalyan Janta Sahkari BankCooperativeNA100000100000
The Lakshmi Vilas Bank LimitedPrivateNA100000100000
The Mahanagar Co-Op. Bank LtdCooperativeNA2500050000
The Malad Sahakari Bank LtdCooperativePMCO1000050000
The Mehsana Urban Co-Operative BankCooperativeNA100000100000
The Municipal Co-Op Bank LtdCooperativeNA500050000
The Muslim Co-Operative Bank LtdCooperativeHDFC100000100000
The Nainital Bank LtdPrivateNA2000040000
The Ratnakar Bank LimitedPrivateNA2500025000
The Saraswat Co-Operative BankCooperativeNA100000100000
The Surat People’s Co-Op. Bank LtdCooperativeNA25000100000
The Sutex Co-Op BankCooperativeICIC Bank100000100000
The SVC Co-Operative Bank LtdCooperativeNA1000020000
The Thane Janta Sahakari Bank Ltd (TJSB)CooperativeNA100000100000
The Udaipur Mahila Samridhi Urban Co-Op Bank LtdCooperativeICIC Bank100000100000
The Udaipur Mahila Urban Co-Op Bank LtdCooperativeNA100000100000
The Urban Cooperative Bank Ltd DharangaonCooperativeICICI Bank2000025000
The Varachha Co-Op Bank LtdCooperativeNA2000040000
The Vijay Cooperative Bank LtdCooperativeICIC Bank20000200000
The Vishweshwar Sahakari Bank LtdCooperativeNA100000100000
Tripura Gramin BankRRBSBI1000010000
UCO BankPublic Sector BankNA100000100000
Ujjivan Small Finance Bank LimitedSmall Finance BankNA50000100000
Union Bank of IndiaPublic Sector BankNA100000200000
United Bank of IndiaPublic Sector BankNA2500060000
Uttarakhand Gramin BankRRBSBI25000100000
Vananchal Gramin BankRRBSBI2000020000
Vasai Vikas Co-Op Bank LtdCooperativeNA100000100000
Vijaya BankPublic Sector BankNA2500050000
YES BankPrivateNA100000100000

Releated Read: How to accept UPI payments on my website or mobile app?

PhonePe’s Daily UPI Limit Per Day

  • The PhonePe transaction limit per day is 1 lakh INR (Rs. 1,00,000)
  • In terms of frequency, the Phonepe limit per day is 20 transactions in 24 hours

Check out this blog to get more information on the PhonePe transaction limit per day.

SBI UPI Transaction Limit Per Day

  • The SBI UPI limit on a single transaction is a maximum of Rs 100,000 as determined by NPCI
  • Per day UPI transaction limit of SBI is also Rs 100,000, whether done through a single transfer or multiple transactions up to a maximum of 10 transfers
  • There is no limit for per week or per month value of the UPI transfer

UPI Limit of ICICI bank

  • ICICI limit per transaction is Rs 10,000
  • ICICI per day UPI transaction limit is Rs 10,000
  • There is no limit for per week or per month value of the UPI transfer

Are you a business & want to make bulk UPI payments? Sign up for Payouts by Cashfree Payments today to send money to any UPI ID, bank account, Paytm wallet or AmazonPay.

UPI as the Preferred Payment Mode

UPI is set to become the de-facto mode of payment both for P2P (person-to-person) & P2M (person-to-merchant) transactions.

At Cashfree, we’ve always believed UPI to be a transformative force in the Indian payments ecosystem and we were quick to jump onto the UPI bandwagon.

Here are just some of the features that a UPI payment gateway can offer:

  1. Better customer experience- with easy integration
  2. Recurring Bill option with UPI Autopay – for your subscription business
  3. UPI Payment Links – easily shared over Whatsapp or text
  4. Virtual UPI IDs for easy reconciliation
  5. Payment option through Dynamic QR Code/Static QR code
  6. UPI ID Verification: for a higher success rate

Presently, Cashfree offers the most extensive UPI integration options among payment companies.

If you are looking to integrate UPI into your website or mobile app to accept payments, you can fill out this form and ask your query.

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