UPI Payment Limit: A big news has come for the users using UPI. NPCI has increased the limit of UPI. Now transactions up to Rs 10 lakh will be possible in a day for high-value payments like insurance, loan, investment and travel sector.
UPI Payment Limit: There is good news for those who make digital payments. National Payments Corporation of India (NPCI) has increased the limit of UPI transactions. These new limits will come into effect from September 15, 2025. This will especially benefit those who have to make big daily payments like insurance premium, loan EMI, stock market investment, government fees or big travel bookings. If you use apps like Phonepe, Paytm or Gpay, then understand here whether anything has changed?
Actually, from September 15, 2025, new rules of UPI will come into effect, under which online payment of up to Rs 10 lakh can be made in a day for verified merchants. This means that now there will be no need to make transactions repeatedly for big payments. However, the limit of person-to-person transactions between two people will remain Rs 1 lakh per day as before. There has been no change in this.
Capital Market and Insurance Payments
Earlier the limit for insurance premium and capital market investment was Rs 2 lakh, now it has been increased to Rs 5 lakh. With this, a maximum transaction of up to Rs 10 lakh will be possible in 24 hours. UPI’s one-time transaction limit for payment of credit card bill will now be Rs 5 lakh. Also, a maximum of Rs 6 lakh can be paid in a day.
Travel and Government Payments
In the travel sector, now up to Rs 5 lakh can be paid at a time, whereas earlier this limit was Rs 1 lakh. Similarly, tax and EMD payments can also be made up to Rs 5 lakh on the Government e-Marketplace. Apart from this, the limit for loan and EMI payments has also been increased to Rs 5 lakh per transaction. A maximum of Rs 10 lakh can be paid in a day. This will make it easier for people to repay big loans or EMIs.
Other changes
The limit on jewelry purchase has been increased from Rs 1 lakh to Rs 2 lakh and the daily limit has been fixed at Rs 6 lakh. Digital onboarding for term deposits in banking services will now allow transactions up to Rs 5 lakh. At the same time, foreign exchange payments (Forex) can now be made up to Rs 5 lakh through BBPS.
What is the limit for IPO?
If you want to bid in IPO (Initial Public Offering) through UPI, then keep in mind that the limit here will still be Rs 5 lakh per transaction. The new limit of Rs 10 lakh will not be applicable for IPO.
Benefits of increasing UPI limit?
With the new limits, users will not need to pay large amounts in small installments.
1 – Insurance premium and loan EMI can be paid in one go.
2 – There will be ease in paying stock market investment and government fees.
3 – Buying big ticket items or jewellery will also be possible through UPI.
Will there be any extra charge?
NPCI has clarified that there will be no extra charge on the new UPI limit increase. This means that users will now be able to make payments of large amounts without any extra fee. This change is applicable only to Person to Merchant (P2M) payments and this will make digital transactions easier.
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