The Reserve Bank of India governs the National Payments Corporation of India (NPCI), which designed the Unified Payments Interface (UPI), which is built on the IMPS framework and allows you to transfer or send funds between any two bank accounts in real-time. According to NPCI, the current top limit per UPI transaction is Rs. 1 lakh. A user can send up to Rs 40,000 per transaction and up to Rs 40,000 per day for one bank account. According to the NPCI’s official website, this limit is available per bank account linked to BHIM.
Limits
According to Google Pay’s support page, a user may approach a daily limit if:
- They attempt to send more than 100,000 across all UPI apps in a single day.
- They attempt to send money more than ten times in a single day using all UPI apps.
- Someone is asked for more than 2,000.
However, restrictions for Google Pay, UPI, the user’s bank, and Google may differ.
The user will have the following choices for resolving these issues:
- I’m going to wait until the next day to send additional money.
- Requesting a lower sum
Here are some additional reasons why the payment may not be processed:
Bank restrictions
If your daily transactions are less than the UPI limit and you’re still having problems, consider another bank account.
Your bank may impose limits on the amount you can send or receive. For further information, contact your bank.
Other restrictions
Some transactions may be marked for further investigation to prevent fraud. If you’re having problems completing a transaction and don’t believe you’ve reached a limit, contact Google Pay support for assistance.
Furthermore, if a user attempts to send or receive less than 1, the transaction will fail and an error message will be displayed.
Bank wise limit
Check out this list of some banks that have UPI Transaction Limits and Daily Limits:
Airtel Payments Bank
UPI transaction limit (in Rs): 100000
UPI Daily Limit (in Rs): 100000
Andhra Bank
UPI transaction limit (in Rs): 100000
UPI Daily Limit (in Rs): 100000
Axis Bank
UPI transaction limit (in Rs): 100000
UPI Daily Limit (in Rs): 100000
Bank of Baroda
UPI transaction limit (in Rs): 25000
UPI Daily Limit (in Rs): Not set
Canara Bank
UPI transaction limit (in Rs): 10000
UPI Daily Limit (in Rs): 25000
Dena Bank
UPI transaction limit (in Rs): 100000
UPI Daily Limit (in Rs): 100000
Federal Bank
UPI transaction limit (in Rs): 100000
UPI Daily Limit (in Rs): 100000
ICICI Bank
UPI transaction limit (in Rs): 25000
UPI Daily Limit (in Rs): 25000
IDBI Bank
UPI transaction limit (in Rs): 25000
UPI Daily Limit (in Rs): 50000
Indian Overseas Bank
UPI transaction limit (in Rs): 10000
UPI Daily Limit (in Rs): 20000
Induslnd Bank
UPI transaction limit (in Rs): 100000
UPI Daily Limit (in Rs): 100000
Jio Payments Bank
UPI transaction limit (in Rs): 100000
UPI Daily Limit (in Rs): 100000
State Bank of India
UPI transaction limit (in Rs): 100000
UPI Daily Limit (in Rs): 100000
