Personal Finance

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

January 5, 2024

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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