What are the UPI Transaction Limits by Banks, NPCI and PSP Apps in 2023?
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What are the UPI Transaction Limits by Banks, NPCI and PSP Apps in 2023?
Checkout the UPI Transaction Limits by Banks, NPCI and PSP Apps such as Google Pay, PhonePe, Paytm, Mobikwik, Amazon Pay, etc in 2023 to avoid transaction failures.
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Recently, RBI proposed NPCI to increase the UPI Transaction Limit from ₹ 2 Lakhs to ₹ 5 Lakhs for retail direct scheme (RDS) and initial public offering (IPO) applications. This is due to the increasing popularity of UPI payments in India among various sectors. Thus, you need to have an idea of various UPI Transaction Limits by Banks, NPCI and PSP Apps in 2023 to avoid transaction failures, account block issues, and any other inconveniences.
RBI also announced a framework for Offline Digital Payments without Internet and Telecom Connectivity on 3rd Jan 2022.
Bank Name |
UPI Per Transaction Limit (in ₹) |
UPI Transaction Limit per Day (in ₹) |
Abhyudaya Co-operative Bank |
5,000 |
25,000 |
Adarsh Co-op Bank Ltd |
50,000 |
50,000 |
Aditya Birla Idea Payments Bank |
1,00,000 |
1,00,000 |
Airtel Payments Bank |
1,00,000 |
1,00,000 |
Allahabad Bank |
25,000 |
1,00,000 |
Allahabad UP Gramin Bank |
20,000 |
40,000 |
Andhra Bank Public |
1,00,000 |
1,00,000 |
Andhra Pradesh Grameena Vikas Bank |
25,000 |
1,00,000 |
Andhra Pragathi Grameena Bank |
10,000 |
20,000 |
Apna Sahakari Bank |
1,00,000 |
1,00,000 |
Assam Gramin Vikash Bank |
5,000 |
25,000 |
Axis Bank |
1,00,000 |
1,00,000 |
Bandhan Bank |
1,00,000 |
1,00,000 |
Bank Of Baroda |
25,000 |
NA |
Bank Of India |
10,000 |
1,00,000 |
Bank of Maharashtra |
1,00,000 |
1,00,000 |
Baroda Gujarat Gramin Bank |
25,000 |
NA |
Baroda Rajasthan Kshetriya Gramin Bank |
25,000 |
25,000 |
Baroda Uttar Pradesh Gramin Bank |
25,000 |
25,000 |
Bassein Catholic Coop Bank |
20,000 |
40,000 |
Bhilwara Urban Co operative Bank Ltd |
5000 |
25000 |
Canara Bank |
10,000 |
25,000 |
Catholic Syrian Bank |
1,00,000 |
1,00,000 |
Central Bank of India (thanks shraaj for the info) |
20,000 |
40,000 |
Chaitanya Godavari Grameena Bank |
25,000 |
1,00,000 |
Chhattisgarh Rajya Gramin Bank |
25,000 |
1,00,000 |
Citibank Retail |
1,00,000 |
1,00,000 |
City Union Bank |
1,00,000 |
1,00,000 |
Coastal Local Area Bank Ltd |
50,000 |
1,00,000 |
Corporation Bank |
50,000 |
1,00,000 |
DBS Digi Bank |
1,00,000 |
1,00,000 |
DCB Bank |
5,000 |
5000 |
Dena Bank |
1,00,000 |
1,00,000 |
Deutsche Bank AG (Web Collect) |
NA |
NA |
Dhanlaxmi Bank Ltd |
1,00,000 |
1,00,000 |
Dombivali Nagrik Sahakari Bank |
1,00,000 |
1,00,000 |
Equitas Small Finance Bank |
25,000 |
1,00,000 |
ESAF Small Finance Bank |
1,00,000 |
1,00,000 |
Federal Bank |
1,00,000 |
1,00,000 |
FINO Payments Bank |
1,00,000 |
1,00,000 |
G P Parsik Bank |
1,00,000 |
1,00,000 |
HDFC Bank |
1,00,000 |
1,00,000 |
Himachal Pradesh Gramin Bank |
50,000 |
50,000 |
HSBC |
1,00,000 |
1,00,000 |
Hutatma Sahakari Bank Ltd |
1,00,000 |
Unlimited |
ICICI Bank |
1,00,000 (25,000 for Google Pay users) |
1.5-2 Lakh (25,000 for Google Pay users) |
IDBI Bank |
25,000 |
50,000 |
IDFC First Bank |
1,00,000 |
1,00,000 |
India Post Payment Bank |
25,000 |
50,000 |
Indian Bank |
1,00,000 |
1,00,000 |
Indian Overseas Bank |
10,000 |
20,000 |
IndusInd Bank |
1,00,000 |
1,00,000 |
J&K Grameen Bank |
20,000 |
20,000 |
Jalgaona Janata Sahkari Bank |
1,00,000 |
1,00,000 |
Jammu & Kashmir Bank |
20,000 |
20,000 |
Jana Small Finance Bank |
10,000 |
40,000 |
Janta Sahakari Bank Pune |
1,00,000 |
1,00,000 |
Jio Payments Bank |
1,00,000 |
1,00,000 |
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd. |
25,000 |
2,00,000 |
Karnataka Bank |
1,00,000 |
2,00,000 |
Karnataka Vikas Gramin Bank |
25,000 |
25,000 |
Karur Vysaya Bank |
1,00,000 |
1,00,000 |
Kashi Gomti Samyut Gramin Bank |
1,00,000 |
1,00,000 |
Kaveri Grameena Bank |
25,000 |
25,000 |
Kerala Gramin Bank |
20,000 |
20,000 |
Kotak Mahindra Bank |
1,00,000 |
1,00,000 |
Langpi Dehangi Rural Bank |
10,000 |
1,00,000 |
Madhya Bihar Gramin Bank |
25,000 |
1,00,000 |
Maharashtra Grameen Bank |
25,000 |
1,00,000 |
Maharashtra State Cooperative Bank |
5,000 |
50,000 |
Malwa Gramin Bank (Merged with Punjab Gramin Bank) |
10,000 |
25,000 |
Manipur Rural Bank |
10,000 |
10,000 |
Maratha Cooperative Bank |
1,00,000 |
1,00,000 |
Meghalaya Rural Bank |
1,00,000 |
1,00,000 |
Mizoram Rural Bank |
25,000 |
1,00,000 |
NKGSB Co-op. Bank Ltd. |
20,000 |
40,000 |
Oriental Bank of Commerce |
1,00,000 |
1,00,000 |
Paschim Banga Gramin Bank |
5,000 |
25,000 |
Paytm Payments Bank |
1,00,000 |
1,00,000 |
Pragathi Krishna Gramin Bank |
20,000 |
20,000 |
Prathama U.P. Gramin Bank |
10,000 |
50,000 |
Punjab and Maharastra Coop Bank |
1,00,000 |
1,00,000 |
Punjab and Sind Bank |
10,000 |
10,000 |
Punjab Gramin Bank |
10,000 |
25,000 |
Punjab National Bank |
25,000 |
50,000 |
Purvanchal Bank |
25,000 |
1,00,000 |
Rajasthan Marudhara Gramin Bank |
25,000 |
25,000 |
Rajkot Nagari Sahakari Bank Ltd |
1,00,000 |
1,00,000 |
Samruddhi Co-op Bank Ltd |
1,00,000 |
1,00,000 |
Sarva Haryana Gramin Bank |
50,000 |
1,00,000 |
Sarva UP Gramin Bank |
50,000 |
1,00,000 |
Saurashtra Gramin Bank |
20,000 |
1,00,000 |
Shree Kadi Nagarik Sahakari Bank Ltd. |
1,00,000 |
1,00,000 |
South Indian Bank |
1,00,000 |
1,00,000 |
Standard Chartered |
1,00,000 |
1,00,000 |
State Bank Of India |
1,00,000 |
1,00,000 |
Suco Souharda Sahakari Bank |
1,00,000 |
1,00,000 |
Suryoday Small Finance Bank Ltd |
1,00,000 |
1,00,000 |
Suvarnayug Sahakari Bank Ltd |
1,00,000 |
1,00,000 |
Syndicate Bank |
10,000 |
1,00,000 |
Tamilnadu Mercantile Bank |
20,000 |
1,00,000 |
Telangana Gramin Bank |
25,000 |
1,00,000 |
Telangana State Co Operative Apex Bank |
10,000 |
1,00,000 |
Thane Bharat Sahakari Bank |
1,00,000 |
1,00,000 |
The Cosmos Co-Operative Bank Ltd |
10,000 |
50,000 |
The A.P. Mahesh Co-Operative Urban Bank |
25,000 |
25,000 |
The Ahmedabad District Co-operative Bank Ltd |
10,000 |
25,000 |
The Ahmedabad Mercantile Co-op Bank Ltd |
1,00,000 |
1,00,000 |
The Andhra Pradesh State Cooperative |
10,000 |
1,00,000 |
The Baroda Central Co-operative Bank Ltd. |
15,000 |
1,00,000 |
The Gujarat State Co-operative Bank Limited |
50,000 |
1,00,000 |
The Hasti Co-operative Bank Ltd |
1,00,000 |
1,00,000 |
The Kalyan Janta Sahkari Bank |
1,00,000 |
1,00,000 |
The Lakshmi Vilas Bank Limited |
1,00,000 |
1,00,000 |
The Mahanagar Co-Op. Bank Ltd |
25,000 |
50,000 |
The Malad Sahakari Bank Ltd. |
10,000 |
50,000 |
The Mehsana Urban Co-Operative Bank |
1,00,000 |
1,00,000 |
The Municipal Co-op Bank Ltd. |
5,000 |
50,000 |
The Muslim Co-Operative Bank Ltd |
1,00,000 |
1,00,000 |
The Nainital Bank Ltd |
20,000 |
40,000 |
The Ratnakar Bank Limited |
25,000 |
25,000 |
The Saraswat Co-Operative Bank |
1,00,000 |
1,00,000 |
The Surat Peoples Co Op. Bank Ltd |
25,000 |
1,00,000 |
The Sutex Co-op Bank |
1,00,000 |
1,00,000 |
The SVC Co-Operative Bank Ltd |
10,000 |
20,000 |
The Thane Janta Sahakari Bank Ltd |
1,00,000 |
1,00,000 |
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd |
1,00,000 |
1,00,000 |
The Udaipur Mahila Urban Co-op Bank Ltd |
1,00,000 |
1,00,000 |
The Urban Cooperative Bank Ltd Dharangaon |
20,000 |
25,000 |
The Varachha Co-op Bank Ltd. |
20,000 |
40,000 |
The Vijay Cooperative Bank Ltd |
20,000 |
2,00,000 |
The Vishweshwar Sahakari Bank Ltd |
1,00,000 |
1,00,000 |
Tripura Gramin Bank |
10,000 |
10,000 |
UCO Bank |
1,00,000 |
1,00,000 |
Ujjivan Small Finance Bank Limited |
50,000 |
1,00,000 |
Union Bank of India |
1,00,000 |
2,00,000 |
United Bank of India |
25,000 |
60,000 |
Uttarakhand Gramin Bank |
25,000 |
1,00,000 |
Vananchal Gramin Bank |
20,000 |
20,000 |
Vasai Vikas Co-op Bank Ltd |
1,00,000 |
1,00,000 |
Vijaya Bank |
25,000 |
50,000 |
Yes Bank |
1,00,000 |
1,00,000 |
PSP Apps such as Google Pay, PhonePe, Paytm, Mobikwik, Amazon Pay, and many others have a UPI Transaction Limit of ₹1,00,000 per day. Also, maximum 10 transactions are allowed in a day. You can accept a maximum request of ₹2000 from others on Google Pay. Also, we have a detailed article on Digital Wallet UPI Limits in 2023 so you can check it out.
Merchants will have to follow these UPI Transaction Limits set by NPCI for successful transactions.
Merchant Categories |
Transaction Limits |
P2M (person to merchant) Transactions |
₹1,00,000 |
BFSI (banking, financial services, and insurance) |
₹2,00,000 |
Non-verified Merchants |
Collect payments up to ₹2,000 |
MCC (Merchant Category Codes) 6540 |
Completely blocked for collect payments |
MCC 4812 and 4814 |
Collect payments above ₹5,000 are blocked |
Extra 10% off upto Rs500 on min buy of Rs999 on select styles using UPI
Transactions |
Per Transaction Limit |
P2P (person to person) |
₹40,000 |
P2M Verified |
₹1,00,000 |
P2M Non-verified |
₹40,000 |
Bill Pay |
₹20,000 |
UPI Autopay is very useful for recurring payments like mobile recharges, OTT subscription charges, WIFI charges, utility bills, EMI bills, and more. It will help you pay automatically on time to avoid any late fees and inconvenience. Make a note that you should have sufficient funds to support this feature. You can check the Complete List Of Banks And Apps Live On AutoPay, thanks to our Dimer abhishek012 for this info.
Banks with Autopay |
UPI Apps supporting Banks with Autopay |
Axis Bank |
BHIM |
Bank of Baroda |
Paytm | BHIM |
ICICI Bank |
Google Pay | PhonePe |
IDFC Bank |
BHIM |
Indusind Bank |
BHIM |
HDFC Bank |
Gpay | PhonePe | Paytm | PayZapp |
Paytm Bank |
Paytm | BHIM |
HSBC Bank |
HSBC SimplyPay |
These were the UPI Transaction Limits set by Banks, NPCI, BHIM UPI, and PSP Apps in 2023. Let’s see if there are any changes in this year's Budget. Till then, checkout these cool UPI offers for saving big.
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thanks buddy! have mentioned in the article.
Contact any payment gateway companies or any Fintech companies, you will get unlimited times UPI payout service.
Edit – few example:
RazorPay: Start making payouts by entering payee’s account details or UPI handle in minutes.
Detailed post 
It’s wrong, 1 lac limit per transaction and 1.5-2 lacs per day.
I have verified personally
For all banks as per RBI max 10 transactions can be done in 24hrs, if its more then do tell.
P2P UPI transaction limit 10 times per day and P2M UPI transaction limit unlimited times (Merchant UPI transaction daily limit is set by banks).
Bank merge hone ke baad bank name change hogya na 
Per txn limit for idfc is 1lakh? I can’t debit more than 20k at a time.
Use GooglePay or IDFC official UPI app and try.
For me 1month back Paytm Payment Bank allowed only ₹25k per transaction.Haven’t verified the present given (₹ 1lac) limit
Try GooglePay and save your UPI ID @ okSBI
You can send more than 10k+, transaction limit also depend on your saving account type.
By the way SBI is worst bank.
For Baroda Rajasthan Kshetriya Gramin Bank, per day transaction limit is 100,000
Personally verified.
Good compilation👍🏼
You are wrong about Central Bank of India
Its Maximum Amount Per Day is 40,000Rs and
Maximum Txn Per Amount is 20,000Rs
thanks buddy for correction
See icici upi restricted to 2000… Tried using phonepe and gpay… Any suggestions to change this are welcome
Idfc first has this weird restrictions of 25k at one go pertaining to transferring to zerodha by UPI id linked to idfc first bank. Complained several times even toanger of the branch but no replies. The same is not applicable when applying for ipo upto 2 lakhs.
Hey @FighterMan . Great compilation. I would like to suggest a change. For Bank of India’s Single Transaction, I just checked and 1L can be done in Single Transaction.
@FighterMan
Total 44 Banks Live on UPI AutoPay & 6 UPI apps support UPI AutoPay - https://www.npci.org.in/what-we-do/autopay/list...