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 |
