UPI Transaction Limit: How Much Can You Send or Receive?

One question many UPI users have is: Is there a limit to how much I can transfer or receive through UPI?

The answer is yes — UPI has transaction limits set by banks and NPCI to keep transactions safe and manageable.

What is the UPI Transaction Limit?

 Per Transaction Limit:
 Most banks allow ₹1 lakh per transaction. Some banks may offer higher limits, up to ₹2 lakhs for verified merchants or special accounts.

 Daily Limit:
 The daily maximum is generally ₹1–2 lakhs, but again, it depends on your bank and the UPI app.

 Number of Transactions:
 You can usually make up to 10–20 transactions per day.

Why Does UPI Have Limits?

These limits help prevent misuse, fraud, and overloading of the system. They also protect customers if a phone is stolen or hacked.

How to Check Your Limit?

You can check your bank’s specific UPI limits by:

• Visiting your bank’s website or app.
  
  
• Asking customer care.
  
  
• Sometimes, the UPI app shows your limits in the profile/settings section.
  

What Happens If You Exceed the Limit?

  Your payment will fail, and you’ll see a message like: “Transaction limit exceeded”.
   You can wait till the next day or send a smaller amount.

Tips for Managing UPI Limits

  For very large payments, use NEFT, RTGS, or IMPS instead.
  Break big payments into smaller amounts spread over 2–3 days.
  Always plan ahead for big purchases or business payments.

Understanding the UPI transaction limit helps you avoid failed transactions and plan your payments better.