UPI Transaction Limits

The UPI transaction limits prescribed by banks, NPCI and PSP Apps are provided in the following sections.

NPCI Prescribed Transaction Limits for Merchant Categories

The following table lists the transaction limit for different merchant categories as per NPCI:

Merchant Categories | Transaction Limits (₹)

P2M Transactions | 1,00,000

BFSI | 2,00,000

Non-verified merchants | Collect payments up to 2,000

MCC 6211 for IPO and purchase of G-Sec through RBI Retail Direct Scheme (RDS) | 5,00,000

Healthcare | 5,00,000

Education | 5,00,000

Limit Set by PSP Apps

Usually, most of the PSP apps allow daily payments of up to ₹1,00,000 or a maximum of 10 transactions per day.

Limit Set by BHIM App

The following table lists the transaction limit set by the BHIM app:

Transactions | Per Transaction Limit (₹)

P2P | 40,000

P2M Verified | 1,00,000

P2M Non-verified | 40,000

Bill Pay | 20,000

Other limits

• To protect against fraud, some transactions might get flagged for further review by UPI apps or banks.
• UPI apps have risk engines to flag and block transactions.
• In addition, there is a GPay transaction limit per day depending on your bank.

Bank Prescribed Limits

The following table lists the List of banks with their UPI transaction limits:

S No | Bank Name | Bank Type | Sponsor Bank | UPI Transaction limit | UPI Daily Limit

1 | Abhyudaya Co-operative Bank | Cooperative | NA | 5,000 | 25,000

2 | Adarsh Co-op Bank Ltd | Cooperative | HDFC Bank | 50,000 | 50,000

3 | Aditya Birla Idea Payments Bank | Payments Bank | NA | 1,00,000 | 1,00,000

4 | Airtel Payments Bank | Payments Bank | NA | 1,00,000 | 1,00,000

5 | Allahabad Bank | Public Sector Bank | NA | 25,000 | 1,00,000

6 | Allahabad UP Gramin Bank | RRB | Allahabad Bank | 20,000 | 40,000

7 | Andhra Bank Public | Sector Bank | NA | 1,00,000 | 1,00,000

8 | Andhra Pradesh Grameena Vikas Bank | RRB | SBI | 25,000 | 1,00,000

9 | Andhra Pragathi Grameena Bank | RRB | NA | 10,000 | 20,000

10 | Apna Sahakari Bank | Cooperative | NA | 1,00,000 | 1,00,000

11 | Assam Gramin Vikash Bank | RRB | United Bank of India | 5,000 | 25,000

12 | Axis Bank | Private | NA | 1,00,000 | 1,00,000

13 | Bandhan Bank | Private | NA | 1,00,000 | 1,00,000

14 | Bank Of Baroda | Public Sector Bank | NA | 25,000 | Not set

15 | Bank Of India | Public Sector Bank | NA | 10,000 | 1,00,000

16 | Bank of Maharashtra | Public Sector Bank | NA | 1,00,000 | 1,00,000

17 | Baroda Gujarat Gramin Bank | RRB | Bank of Baroda | 25,000 | Not Set

18 | Baroda Rajasthan Kshetriya Gramin Bank | RRB | Bank of Baroda | 25,000 | 25,000

19 | Baroda Uttar Pradesh Gramin Bank | RRB | Bank of Baroda | 25,000 | 25,000

20 | Bassein Catholic Coop Bank | Cooperative | NA | 20,000 | 40,000

21 | Bhilwara Urban Co operative Bank Ltd | Cooperative | HDFC | 5000 | 25000

22 | Canara Bank | Public Sector Bank | NA | 10,000 | 25,000

23 | Catholic Syrian Bank | Private | NA | 1,00,000 | 1,00,000

24 | Central Bank of India | Public Sector Bank | NA | 25,000 | 50,000

25 | Chaitanya Godavari Grameena Bank | RRB | Andhra Bank | 25,000 | 1,00,000

26 | Chhattisgarh Rajya Gramin Bank | RRB | SBI | 25,000 | 1,00,000

27 | Citibank Retail | Foreign Bank | NA | 1,00,000 | 1,00,000

28 | City Union Bank | Private | NA | 1,00,000 | 1,00,000

29 | Coastal Local Area Bank Ltd | Cooperative | BOM | 50,000 | 1,00,000

30 | Corporation Bank | Public Sector Bank | NA | 50,000 | 1,00,000

31 | DBS Digi Bank | Foreign Bank | NA | 1,00,000 | 1,00,000

32 | DCB Bank | Private | NA | 5,000 | 5000

33 | Dena Bank | Public Sector Bank | NA | 1,00,000 | 1,00,000

34 | Deutsche Bank AG (Web Collect) | Foreign Bank | NA | NA | NA

35 | Dhanlaxmi Bank Ltd | Private | NA | 1,00,000 | 1,00,000

36 | Dombivali Nagrik Sahakari Bank | Cooperative | NA | 1,00,000 | 1,00,000

37 | Equitas Small Finance Bank | Small Finance Bank | NA | 25,000 | 1,00,000

38 | ESAF Small Finance Bank | Small Finance Bank | NA | 1,00,000 | 1,00,000

39 | Federal Bank | Private | NA | 1,00,000 | 1,00,000

40 | FINO Payments Bank | Payments Bank | NA | 1,00,000 | 1,00,000

41 | G P Parsik Bank | Cooperative | NA | 1,00,000 | 1,00,000

42 | HDFC Bank | Private | NA | 1,00,000 | 1,00,000

43 | Himachal Pradesh Gramin Bank | RRB | PNB | 50,000 | 50,000

44 | HSBC | Foreign Bank | NA | 1,00,000 | 1,00,000

45 | Hutatma Sahakari Bank Ltd | Cooperative | ICICI Bank | 1,00,000 | No limit

46 | ICICI Bank | Private | NA | 10,000 (25000 for Google Pay users) | 10000 (25000 for Google Pay users)

47 | IDBI Bank | Public Sector Bank | NA | 25,000 | 50,000

48 | IDFC First Bank | Private | NA | 1,00,000 | 1,00,000

49 | India Post Payment Bank | Payments Bank | NA | 25,000 | 50,000

50 | Indian Bank | Public Sector Bank | NA | 1,00,000 | 1,00,000

51 | Indian Overseas Bank | Public Sector Bank | NA | 10,000 | 20,000

52 | IndusInd Bank | Private | NA | 1,00,000 | 1,00,000

53 | J&K Grameen Bank | RRB | Jammu & Kashmir Bank | 20,000 | 20,000

54 | Jalgaona Janata Sahkari Bank | Cooperative | NA | 1,00,000 | 1,00,000

55 | Jammu & Kashmir Bank | Private | NA | 20,000 | 20,000

56 | Jana Small Finance Bank | Small Finance Bank | NA | 10,000 | 40,000

57 | Janta Sahakari Bank Pune | Cooperative | NA | 1,00,000 | 1,00,000

58 | Jio Payments Bank | Payments Bank | NA | 1,00,000 | 1,00,000

59 | Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd. | Cooperative | NA | 25,000 | 2,00,000

60 | Karnataka Bank | Private | NA | 1,00,000 | 2,00,000

61 | Karnataka Vikas Gramin Bank | RRB | NA | 25,000 | 25,000

62 | Karur Vysaya Bank | Private | NA | 1,00,000 | 1,00,000

63 | Kashi Gomti Samyut Gramin Bank | RRB | NA | 1,00,000 | 1,00,000

64 | Kaveri Grameena Bank | RRB | SBI | 25,000 | 25,000

65 | Kerala Gramin Bank | RRB | NA | 20,000 | 20,000

66 | Kotak Mahindra Bank | Private | NA | 1,00,000 | 1,00,000

67 | Langpi Dehangi Rural Bank | RRB | SBI | 10,000 | 1,00,000

68 | Madhya Bihar Gramin Bank | RRB | PNB | 25,000 | 1,00,000

69 | Maharashtra Grameen Bank | RRB | BOM | 25,000 | 1,00,000

70 | Maharashtra State Cooperative Bank | Cooperative | NA | 5,000 | 50,000

71 | Malwa Gramin Bank (Merged with Punjab Gramin Bank) | RRB | SBI | 10,000 | 25,000

72 | Manipur Rural Bank | RRB | SBI | 10,000 | 10,000

73 | Maratha Cooperative Bank | Cooperative | NA | 1,00,000 | 1,00,000

74 | Meghalaya Rural Bank | Foreign Bank | SBI | 1,00,000 | 1,00,000

75 | Mizoram Rural Bank | RRB | SBI | 25,000 | 1,00,000

76 | NKGSB Co-op. Bank Ltd. | Cooperative | NA | 20,000 | 40,000

78 | Oriental Bank of Commerce | Public Sector Bank | NA | 1,00,000 | 1,00,000

79 | Paschim Banga Gramin Bank | RRB | UCO | 5,000 | 25,000

80 | Paytm Payments Bank | Payments Bank | NA | 1,00,000 | 1,00,000

81 | Pragathi Krishna Gramin Bank | RRB | NA | 20,000 | 20,000

82 | Prathama U.P. Gramin Bank | RRB | NA | 10,000 | 50,000

83 | Punjab and Maharastra Coop Bank | Cooperative | NA | 1,00,000 | 1,00,000

84 | Punjab and Sind Bank | Public Sector Bank | NA | 10,000 | 10,000

85 | Punjab Gramin Bank | RRB | PNB | 10,000 | 25,000

86 | Punjab National Bank | Public Sector Bank | NA | 25,000 | 50,000

87 | Purvanchal Bank | RRB | SBI | 25,000 | 1,00,000

88 | Rajasthan Marudhara Gramin Bank | RRB | SBI | 25,000 | 25,000

89 | Rajkot Nagari Sahakari Bank Ltd | Cooperative | NA | 1,00,000 | 1,00,000

90 | Samruddhi Co-op Bank Ltd | Cooperative | TJSB | 1,00,000 | 1,00,000

91 | Sarva Haryana Gramin Bank | RRB | PNB | 50,000 | 1,00,000

92 | Sarva UP Gramin Bank | RRB | PNB | 50,000 | 1,00,000

93 | Saurashtra Gramin Bank | RRB | SBI | 20,000 | 1,00,000

94 | Shree Kadi Nagarik Sahakari Bank Ltd. | Cooperative | Yes Bank | 1,00,000 | 1,00,000

95 | South Indian Bank | Private | NA | 1,00,000 | 1,00,000

96 | Standard Chartered | Foreign Bank | NA | 1,00,000 | 1,00,000

97 | State Bank Of India | Public Sector Bank | NA | 1,00,000 | 1,00,000

98 | Suco Souharda Sahakari Bank | Cooperative | ICICI Bank | 1,00,000 | 1,00,000

99 | Suryoday Small Finance Bank Ltd | Small Finance Bank | NA | 1,00,000 | 1,00,000

100 | Suvarnayug Sahakari Bank Ltd | Cooperative | HDFC | 1,00,000 | 1,00,000

101 | Syndicate Bank | Public Sector Bank | NA | 10,000 | 1,00,000

102 | Tamilnadu Mercantile Bank | Private | NA | 20,000 | 1,00,000

103 | Telangana Gramin Bank | RRB | SBI | 25,000 | 1,00,000

104 | Telangana State Co Operative Apex Bank | Cooperative | IDBI | 10,000 | 1,00,000

105 | Thane Bharat Sahakari Bank | Cooperative | NA | 1,00,000 | 1,00,000

106 | The Cosmos Co-Operative Bank Ltd | Cooperative | NA | 10,000 | 50,000

107 | The A.P. Mahesh Co-Operative Urban Bank | Cooperative | NA | 25,000 | 25,000

108 | The Ahmedabad District Co-operative Bank Ltd | Cooperative | GSCB | 10,000 | 25,000

109 | The Ahmedabad Mercantile Co-op Bank Ltd | Cooperative | HDFC Bank | 1,00,000 | 1,00,000

110 | The Andhra Pradesh State Cooperative | Cooperative | NA | 10,000 | 1,00,000

111 | The Baroda Central Co-operative Bank Ltd. | Cooperative | GSCB | 15,000 | 1,00,000

112 | The Gujarat State Co-operative Bank Limited | Cooperative | NA | 50,000 | 1,00,000

113 | The Hasti Co-operative Bank Ltd | Cooperative | NA | 1,00,000 | 1,00,000

114 | The Kalyan Janta Sahkari Bank | Cooperative | NA | 1,00,000 | 1,00,000

115 | The Lakshmi Vilas Bank Limited | Private | NA | 1,00,000 | 1,00,000

116 | The Mahanagar Co-Op. Bank Ltd | Cooperative | NA | 25,000 | 50,000

117 | The Malad Sahakari Bank Ltd. | Cooperative | PMCO | 10,000 | 50,000

118 | The Mehsana Urban Co-Operative Bank | Cooperative | NA | 1,00,000 | 1,00,000

119 | The Municipal Co-op Bank Ltd. | Cooperative | NA | 5,000 | 50,000

120 | The Muslim Co-Operative Bank Ltd | Cooperative | HDFC | 1,00,000 | 1,00,000

121 | The Nainital Bank Ltd | Private | NA | 20,000 | 40,000

122 | The Ratnakar Bank Limited | Private | NA | 25,000 | 25,000

123 | The Saraswat Co-Operative Bank | Cooperative | NA | 1,00,000| 1,00,000

124 | The Surat Peoples Co Op. Bank Ltd | Cooperative | NA | 25,000 | 1,00,000

125 | The Sutex Co-op Bank | Cooperative | ICICI Bank | 1,00,000 | 1,00,000

126 | The SVC Co-Operative Bank Ltd | Cooperative | NA | 10,000 | 20,000

127 | The Thane Janta Sahakari Bank Ltd | Cooperative | NA | 1,00,000 | 1,00,000

128 | The Udaipur Mahila Samridhi Urban Co-op Bank Ltd | Cooperative | ICICI Bank | 1,00,000 | 1,00,000

129 | The Udaipur Mahila Urban Co-op Bank Ltd | Cooperative | NA | 1,00,000 | 1,00,000

130 | The Urban Cooperative Bank Ltd Dharangaon | Cooperative | ICICI Bank | 20,000 | 25,000

131 | The Varachha Co-op Bank Ltd. | Cooperative | NA | 20,000 | 40,000

132 | The Vijay Cooperative Bank Ltd | Cooperative | ICIC Bank | 20,000 | 2,00,000

133 | The Vishweshwar Sahakari Bank Ltd | Cooperative | NA | 1,00,000 | 1,00,000

134 | Tripura Gramin Bank | RRB | SBI | 10,000 | 10,000

135 | UCO Bank | Public Sector Bank | NA | 1,00,000 | 1,00,000

136 | Ujjivan Small Finance Bank Limited | Small Finance Bank | NA | 50,000 | 1,00,000

137 | Union Bank of India | Public Sector Bank | NA | 1,00,000 | 2,00,000

138 | United Bank of India | Public Sector Bank | NA | 25,000 | 60,000

139 | Uttarakhand Gramin Bank | RRB | SBI | 25,000 | 1,00,000

140 | Vananchal Gramin Bank | RRB | SBI | 20,000 | 20,000

141 | Vasai Vikas Co-op Bank Ltd | Cooperative | NA | 1,00,000 | 1,00,000

142 | Vijaya Bank | Public Sector Bank | NA | 25,000 | 50,000

143 | Yes Bank | Private | NA | 1,00,000 | 1,00,000