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UPI transaction limit per day from GPay, BHIM, PhonePe Paytm; Check Bank-wise Limit

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Shyamu Maurya
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UPI transaction limit per day from GPay, BHIM, PhonePe Paytm; Check Bank-wise Limit

UPI transfer limit: UPI allows real-time transfers between personnel accounts, banks and merchant accounts through mobile devices. It also facilitates instant bank-to-bank payments, making online payments convenient and easy. It is the most preferred payment system in India.

UPI transfer limit per day

According to NPCI, the daily UPI transaction limit is Rs 1 lakh. However, the limit for payment to educational institutions and health care is Rs 5 lakh. The maximum UPI daily transfer limit can vary from Rs 25,000 to Rs 1 lakh from one bank to another. Some banks have set UPI transfer limits per week or per month instead of per day.

UPI Interchange Fee: Interchange fee is the transaction fee that the customer must pay to the merchant when processing the transaction.

Interchange charges on various services are applicable in the range of 0.5-1.1%. An interchange fee of 0.5% is applicable on fuel payments, 0.7% for post office, telecom, utilities, agriculture and education, 0.9% for supermarket payments and 1% for insurance, mutual funds, government and railways.

Interchange fee of up to 1.1% on UPI transactions above Rs 2,000 done through PPI will be applicable from 2024

UPI Transaction Limit Bank-Wise

UPI transaction limits vary for banks. It can range from Rs 10,000 to Rs 1 lakh. If your bank allows you to transfer Rs 50,000 in more than five transactions per day, you will not be able to make payments more than the transaction amount.

Bank Name UPI Transaction limit UPI Transfer Limit (Daily)
Abhyudaya Co-operative Bank 25000 25000
Adarsh Co-op Bank Ltd 50000 50000
Aditya Birla Idea Payments Bank 100000 100000
Airtel Payments Bank 1,00,000 1,00,000
Allahabad Bank 25000 100000
Allahabad UP Gramin Bank 20000 40000
Andhra Bank 100000 100000
Andhra Pradesh Grameena Vikas Bank 25000 100000
Andhra Pragathi Grameena Bank 10000 20000
Apna Sahakari Bank 100000 100000
Assam Gramin VIkash Bank 5000 25000
Axis Bank 100000 100000
Bandhan Bank 100000 100000
Bank Of Baroda 25000 Not set
Bank Of India 10000 100000
Bank of Maharashtra 100000 100000
Baroda Rajasthan Kshetriya Gramin Bank 25000 25000
Baroda Uttar Pradesh Gramin Bank 25000 25000
Bassein Catholic Coop Bank 20000 40000
Bhilwara Urban Co-operative Bank LTD 25000 25000
Canara Bank 10000 25000
Catholic Syrian Bank 100000 100000
Central Bank of India 25000 50000
Chaitanya Godavari Grameena Bank 25000 100000
Chhattisgarh Rajya Gramin Bank 25000 100000
Citibank Retail 100000 100000
City Union Bank 100000 100000
COASTAL LOCAL AREA BANK LTD 50000 1,00,000
Corporation Bank 50000 100000
DBS Digi Bank 100000 100000
DCB Bank 5000 5000
Dena Bank 100000 100000
Dhanlaxmi Bank Ltd 100000 100000
Dombivli Nagari Sahakari Bank 100000 100000
Equitas Small Finance Bank 25000 100000
ESAF Small Finance Bank 100000 100000
Federal Bank 100000 100000
FINO Payments Bank 100000 100000
G P Parsik Bank 100000 100000
HDFC 100000
(RS 5000 for new customer)		 100000
Himachal Pradesh Gramin Bank 50,000 50,000
HSBC 100000 100000
Hutatma Sahakari Bank Ltd 100000 No limit
ICICI Bank 10000
(25000 for Google Pay users)		 10000
(25000 for Google Pay users)
IDBI Bank 25000 50000
IDFC 100000 100000
India Post Payment Bank 25000 50000
Indian Bank 100000 100000
Indian Overseas Bank 10000 20000
IndusInd Bank 100000 100000
J&K Grameen Bank 20,000 20,000
Jalgaon Janata Sahakari Bank 100000 100000
Jammu & Kashmir Bank 20000 20000
Jana Small Finance Bank 10000 40000
Janata Sahakari Bank Pune 100000 100000
Jio Payments Bank 100000 100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd. 25000 200000
Karnataka Bank 100000 200000
Karnataka vikas Gramin Bank 25000 25000
Karur Vysya Bank 100000 100000
Kashi Gomti Samyut Gramin Bank 100000 100000
Kaveri Grameena Bank 25000 25000
Kerala Gramin Bank 20000 20000
Kotak Mahindra Bank 100000 100000
Langpi Dehangi Rural Bank 10000 100000
Madhya Bihar Gramin Bank 25000 100000
Maharashtra Gramin Bank 25000 100000
Maharashtra state co opp Bank 5000 50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank) 10000 25000
Manipur Rural Bank 10000 10000
Maratha co opp Bank 100000 100000
Meghalaya Rural Bank 100000 100000
Mizoram Rural Bank 25000 100000
NKGSB CO-Op. Bank Ltd. 20000 40000
Oriental Bank of Commerce 100000 100000
Paschim Banga Gramin Bank 5000 25000
Paytm Payments Bank 100000 100000
Pragathi Krishna Gramin Bank 20000 20000
Prathama Bank 10000 50000
Punjab and Maharashtra Co. bank 100000 100000
Punjab and Sind Bank 10000 10000
Punjab Gramin Bank 10000 25000
Punjab National Bank 25000 50000
Purvanchal Bank 25000 100000
Rajasthan Marudhara Gramin Bank 25000 25000
Rajkot Nagari Sahakari Bank Ltd 100000 100000
Samruddhi Co-op bank ltd 100000 100000
Sarva Haryana Gramin Bank 50,000 1,00,000
Sarva UP Gramin Bank 50000 100000
Saurashtra Gramin Bank 20000 100000
Shree Kadi Nagarik Sahakari Bank Ltd. 100000 100000
South Indian Bank 100000 100000
Standard Chartered 100000 100000
State Bank Of India 100000 100000
Suco Souharda Sahakari bank 100000 100000
Suryoday Small Finance Bank Ltd 100000 100000
Suvarnayug Sahakari Bank ltd 100000 100000
Syndicate Bank 10000 100000
Tamilnadu Mercantile Bank 20000 100000
Telangana Gramin Bank 25000 100000
Telangana State Cooperative Apex Bank 10000 1,00,000
Thane Bharat Sahakari Bank 100000 100000
The Cosmos Co-Operative Bank LTD 10000 50000
The Co-Operative Urban Bank 25000 25000
The Ahmedabad District Co-operative Bank Ltd 10000 25000
The Ahmedabad Mercantile Co-op Bank Ltd 100000 100000
The Andhra Pradesh state cooperative 10000 100000
The Baroda Central Co-operative bank ltd. 15000 100000
The Gujarat State Co-operative Bank Limited 50000 100000
The Hasti Co-operative Bank Ltd 100000 100000
The KalyaCo-opapplya Sahkari Bank 100000 100000
The Lakshmi Vilas Bank Limited 100000 100000
The Mahanagar Co-Op. Bank Ltd 25000 50000
The Malad Sahakari Bank Ltd. 10000 50000
The Mehsana Urban Co-Operative Bank 100000 100000
The Municipal Co-op Bank Ltd. 5000 50000
The Muslim Co-Operative Bank Ltd 100000 100000
The Nainital Bank Ltd 20000 40000
The Ratnakar Bank Limited 25000 25000
The Saraswat Co-Operative Bank 100000 100000
The Surat Peoples Co-Op. Bank Ltd 25000 100000
The Sutex Co-op Bank 100000 100000
The SVC Co-Operative Bank Ltd 10000 20000
The Thane Janta Sahakari Bank Ltd (TJSB) 100000 100000
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd 100000 100000
The Udaipur Mahila Urban Co-op Bank Ltd 100000 100000
The Urban Cooperative Bank Ltd Dharangaon 20000 25000
The Varachha Co-op Bank Ltd. 20000 40000
The Vijay Cooperative Bank Ltd 20000 200000
The Vishweshwar Sahakari Bank Ltd 100000 100000
Tripura Gramin Bank 10000 10000
UCO Bank 100000 100000
Ujjivan Small Finance Bank Limited 50000 100000
Union Bank of India 100000 200000
United Bank of India 25000 60000
Uttarakhand Gramin Bank 25000 100000
Vananchal Gramin Bank 20000 20000
Vasai Vikas Co-op Bank Ltd 100000 100000
Vijaya Bank 25000 50000
Yes Bank 100000 100000

 

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