Check the UPI transaction limits set by banks, NPCI and PSP Apps.
The UPI transaction limits prescribed by banks, NPCI and PSP Apps are provided in the following sections.
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 6540 | Completely blocked for collect payments |
MCC 4812 and 4814 | Collect payments above 5,000 are blocked |
MCC 6211 for IPO and purchase of G-Sec through RBI Retail Direct Scheme (RDS) | 5,00,000 |
Usually, most of the PSP apps allow daily payments of up to ₹1,00,000 or a maximum of 10 transactions per day.
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 |
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 |