UPI Transaction Limits Across Major Banks

Have you ever tried to send money through UPI and suddenly got a “limit exceeded” message? It can be frustrating, especially when the payment is urgent. In 2026, UPI became the most popular way to transfer money in India. But many users still don’t fully understand how transaction limits work. These limits are not the same for every bank, which often creates confusion. In this guide, you’ll learn everything about UPI transaction limits across major banks, so you can make payments smoothly without any issues.

What Are UPI Transaction Limits?

UPI transaction limits are the maximum amount of money you can send or receive using UPI in a day. These limits help keep your transactions safe and prevent fraud. The National Payments Corporation of India (NPCI) sets the overall rules, but your bank decides the exact limit for your account. That’s why your friend using a different bank may have a slightly different limit than you. These limits apply to:

• Per transaction amount
• Total daily transactions
• Number of transactions per day

Standard UPI Limits in 2026

Before making payments through UPI, it’s important to understand the standard limits set for all users. These limits are designed to keep transactions safe while ensuring smooth digital payments. In 2026, most banks follow similar guidelines, but small differences may still exist.

1. Daily Limit

For most users, the standard UPI transaction limit in 2026 is ₹1 lakh per day. This means the total amount you send across all UPI transactions within 24 hours cannot exceed ₹1 lakh. For example, if you send ₹40,000 in the morning and ₹60,000 later in the day, you will reach your daily limit. After that, you won’t be able to send more money until the next day.

Tip: The 24-hour limit is usually calculated on a rolling basis, not just a calendar day.

2. Number of Transactions

Apart from the money limit, banks also restrict the number of UPI transactions you can make in a day. Most banks allow 10 to 20 transactions daily. So even if you haven’t reached the ₹1 lakh limit, your transaction may still fail if you exceed this count. This rule helps prevent misuse and system overload.

Tip: Avoid making too many small payments in one day to stay within the limit.

3. Per Transaction Limit

In most cases, you can send up to ₹1 lakh in a single UPI transaction. This is useful when you need to make a one-time large payment. However, some banks may set a slightly lower per-transaction limit for security reasons, especially for new users or newly activated UPI IDs.

Tip: If your payment fails due to a limit issue, try splitting the amount into smaller transactions or use another payment method.

Category-Wise UPI Limits (Important Update 2026)

UPI limits are higher for certain types of payments. This is helpful when you need to make big payments like fees or medical bills.

Insurance and Investment Payments

You can send up to ₹2 lakh or more for insurance premiums and investment-related payments.

Education and Hospital Payments

For school fees, college payments, or hospital bills, limits can go up to ₹5 lakh, depending on the bank.

Government and Tax Payments

Some government-related payments allow even higher limits, making it easier to pay taxes or official fees.

UPI Transaction Limits Across Banks

Bank name	Bank type	Sponsor Bank	UPI transaction limit	UPI daily limit
Abhyudaya Co-Operative Bank	Cooperative	NA	25000	25000
Adarsh Co-Op Bank Ltd	Cooperative	HDFC Bank	50000	50000
Aditya Birla Idea Payments Bank	Payments Bank	NA	100000	100000
Airtel Payments Bank	Payments Bank	NA	1,00,000	1,00,000
Allahabad Bank	Public Sector Bank	NA	25000	100000
Allahabad UP Gramin Bank	RRB	Allahabad	20000	40000
Andhra Bank	Public Sector Bank	NA	100000	100000
Andhra Pradesh Grameena Vikas Bank	RRB	SBI	25000	100000
Andhra Pragathi Grameena Bank	RRB	NA	10000	20000
Apna Sahakari Bank	Cooperative	NA	100000	100000
Assam Gramin Vikash Bank	RRB	United Bank of India	5000	25000
Axis Bank	Private	NA	100000	100000
Bandhan Bank	Private	NA	100000	100000
Bank Of Baroda	Public Sector Bank	NA	25000	Not set
Bank of India	Public Sector Bank	NA	10000	100000
Bank of Maharashtra	Public Sector Bank	NA	100000	100000
Baroda Gujarat Gramin Bank	RRB	Bank of Baroda	25000	Not set
Baroda Rajasthan Kshetriya Gramin Bank	RRB	BOB	25000	25000
Baroda Uttar Pradesh Gramin Bank	RRB	Bank of Baroda	25000	25000
Bassein Catholic Co-Op Bank	Cooperative	NA	20000	40000
Bhilwara Urban Co-operative Bank LTD	Cooperative	HDFC	25000	25000
Bihar Gramin Bank	RRB	UCO	Merger with DBGB
Canara Bank	Public Sector Bank	NA	100000	100000
Catholic Syrian Bank	Private	NA	100000	100000
Central Bank of India	Public Sector Bank	NA	100000	100000
Chaitanya Godavari Grameena Bank	RRB	Andhra Bank	25000	100000
Chhattisgarh Rajya Gramin Bank	RRB	SBI	25000	100000
Citibank Retail	Foreign Bank	NA	100000	100000
City Union Bank	Private	NA	100000	100000
COASTAL LOCAL AREA BANK LTD	Cooperative	BOM	50000	1,00,000
Corporation Bank	Public Sector Bank	NA	50000	100000
DBS Digi Bank	Foreign Bank	NA	100000	100000
DCB Bank	Private	NA	5000	5000
Dena Bank	Public Sector Bank	NA	100000	100000
Dena Gujarat Gramin Bank	RRB	Dena	NA (Merged)
Deutsche Bank AG (Web Collect)	Foreign Bank	NA	NA
Dhanlaxmi Bank Ltd	Private	NA	100000	100000
Dombivali Nagrik Sahakari Bank	Cooperative	NA	100000	100000
Equitas Small Finance Bank	Small Finance Bank	NA	25000	100000
ESAF Small Finance Bank	Small Finance Bank	NA	100000	100000
Federal Bank	Private	NA	100000	100000
FINO Payments Bank	Payments Bank	NA	100000	100000
G P Parsik Bank	Cooperative	NA	100000	100000
HDFC	Private	NA	100000(RS 5000 for new customer)	100000
Himachal Pradesh Gramin Bank	RRB	PNB	50,000	50,000
HSBC	Foreign Bank	NA	100000	100000
Hutatma Sahakari Bank Ltd	Cooperative	ICICI Bank	100000	No limit
ICICI Bank	Private	NA	10000(25000 for Google Pay users)	10000(25000 for Google Pay users)
IDBI Bank	Public Sector Bank	NA	100000	100000
IDFC	Private	NA	100000	100000
India Post Payment Bank	Payments Bank	NA	25000	50000
Indian Bank	Public Sector Bank	NA	100000	100000
Indian Overseas Bank	Public Sector Bank	NA	50000	100000
IndusInd Bank	Private	NA	100000	100000
J&K Grameen Bank	RRB	J&K	20,000	20,000
Jalgaona Janata Sahkari Bank	Cooperative	NA	100000	100000
Jammu & Kashmir Bank	Private	NA	20000	20000
Jana Small Finance Bank	Small Finance Bank	NA	10000	40000
Janta Sahakari Bank Pune	Cooperative	NA	100000	100000
Jio Payments Bank	Payments Bank	NA	100000	100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd	Cooperative	NA	25000	200000
Karnataka Bank	Private	NA	100000	200000
Karnataka Vikas Grameena Bank	RRB	NA	25000	25000
Karur Vysaya Bank	Private	NA	100000	100000
Kashi Gomti Samyut Gramin Bank	RRB	NA	100000	100000
Kaveri Grameena Bank	RRB	SBI	25000	25000
Kerala Gramin Bank	RRB	NA	20000	20000
Kotak Mahindra Bank	Private	NA	100000	100000
Langpi Dehangi Rural Bank	RRB	SBI	10000	100000
Madhya Bihar Gramin Bank	RRB	PNB	25000	100000
Maharashtra Grameen Bank	RRB	BOM	25000	100000
Maharashtra State Co-Op Bank	Cooperative	NA	5000	50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)	RRB	SBI	10000	25000
Manipur Rural Bank	RRB	SBI	10000	10000
Maratha Co-Op Bank	Cooperative	NA	100000	100000
Meghalaya Rural Bank	Foreign Bank	SBI	100000	100000
Mizoram Rural Bank	RRB	SBI	25000	100000
NKGSB Co-Op. Bank Ltd	Cooperative	NA	20000	40000
Oriental Bank of Commerce	Public Sector Bank	NA	100000	100000
Paschim Banga Gramin Bank	RRB	UCO	5000	25000
Paytm Payments Bank	Payments Bank	NA	100000	100000
Pragathi Krishna Gramin Bank	RRB	NA	20000	20000
Prathama Bank	RRB	NA	10000	50000
Punjab and Maharashtra Co-Op Bank	Cooperative	NA	100000	100000
Punjab and Sind Bank	Public Sector Bank	NA	10000	10000
Punjab Gramin Bank	RRB	PNB	10000	25000
Punjab National Bank	Public Sector Bank	NA	25000	50000
Purvanchal Bank	RRB	SBI	25000	100000
Rajasthan Marudhara Gramin Bank	RRB	SBI	25000	25000
Rajkot Nagari Sahakari Bank Ltd	Cooperative	NA	100000	100000
Samruddhi Co-Op Bank Ltd	Cooperative	TJSB	100000	100000
Sarva Haryana Gramin Bank	RRB	PNB	50,000	1,00,000
Sarva UP Gramin Bank	RRB	PNB	50000	100000
Saurashtra Gramin Bank	RRB	SBI	20000	100000
Shree Kadi Nagarik Sahakari Bank Ltd	Cooperative	Yes Bank	100000	100000
South Indian Bank	Private	NA	100000	100000
Standard Chartered	Foreign Bank	NA	100000	100000
State Bank of India	Public Sector Bank	NA	100000	100000
Suco Souharda Sahakari Bank	Cooperative	ICICI Bank	100000	100000
Suryoday Small Finance Bank Ltd	Small Finance Bank	NA	100000	100000
Suvarnayug Sahakari Bank Ltd	Cooperative	HDFC	100000	100000
Syndicate Bank	Public Sector Bank	NA	10000	100000
Tamilnadu Mercantile Bank	Private	NA	100000	100000
Telangana Gramin Bank	RRB	SBI	25000	100000
Telangana State Co-Operative Apex Bank	Cooperative	IDBI	10000	1,00,000
Thane Bharat Sahakari Bank	Cooperative	NA	100000	100000
The Cosmos Co-Operative Bank LTD	Cooperative	NA	10000	50000
The A.P. Mahesh Co-Operative Urban Bank	Cooperative	NA	25000	25000
The Ahmedabad District Co-Operative Bank Ltd	Cooperative	GSCB	10000	25000
The Ahmedabad Mercantile Co-Op Bank Ltd	Cooperative	HDFC Bank	100000	100000
The Andhra Pradesh State Co-Operative	Cooperative	NA	10000	100000
The Baroda Central Co-Operative Bank Ltd	Cooperative	GSCB	15000	100000
The Gujarat State Co-Operative Bank Limited	Cooperative	NA	50000	100000
The Hasti Co-operative Bank Ltd	Cooperative	NA	100000	100000
The Kalyan Janta Sahkari Bank	Cooperative	NA	100000	100000
The Lakshmi Vilas Bank Limited	Private	NA	100000	100000
The Mahanagar Co-Op. Bank Ltd	Cooperative	NA	25000	50000
The Malad Sahakari Bank Ltd	Cooperative	PMCO	10000	50000
The Mehsana Urban Co-Operative Bank	Cooperative	NA	100000	100000
The Municipal Co-Op Bank Ltd	Cooperative	NA	5000	50000
The Muslim Co-Operative Bank Ltd	Cooperative	HDFC	100000	100000
The Nainital Bank Ltd	Private	NA	20000	40000
The Ratnakar Bank Limited	Private	NA	25000	25000
The Saraswat Co-Operative Bank	Cooperative	NA	100000	100000
The Surat People’s Co-Op. Bank Ltd	Cooperative	NA	25000	100000
The Sutex Co-Op Bank	Cooperative	ICIC Bank	100000	100000
The SVC Co-Operative Bank Ltd	Cooperative	NA	10000	20000
The Thane Janta Sahakari Bank Ltd (TJSB)	Cooperative	NA	100000	100000
The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd	Cooperative	ICIC Bank	100000	100000
The Udaipur Mahila Urban Co-Op Bank Ltd	Cooperative	NA	100000	100000
The Urban Cooperative Bank Ltd Dharangaon	Cooperative	ICICI Bank	20000	25000
The Varachha Co-Op Bank Ltd	Cooperative	NA	20000	40000
The Vijay Cooperative Bank Ltd	Cooperative	ICIC Bank	20000	200000
The Vishweshwar Sahakari Bank Ltd	Cooperative	NA	100000	100000
Tripura Gramin Bank	RRB	SBI	10000	10000
UCO Bank	Public Sector Bank	NA	100000	100000
Ujjivan Small Finance Bank Limited	Small Finance Bank	NA	50000	100000
Union Bank of India	Public Sector Bank	NA	100000	200000
United Bank of India	Public Sector Bank	NA	25000	60000
Uttarakhand Gramin Bank	RRB	SBI	25000	100000
Vananchal Gramin Bank	RRB	SBI	20000	20000
Vasai Vikas Co-Op Bank Ltd	Cooperative	NA	100000	100000
Vijaya Bank	Public Sector Bank	NA	25000	50000
YES Bank	Private	NA	100000	100000

Why Your UPI Limit May Be Lower

Sometimes, your UPI limit may be less than expected. Here are common reasons:

• You recently created your UPI ID
• You just set or changed your UPI PIN
• Your bank has stricter security rules
• Suspicious activity was detected
• You changed your device or SIM

In some cases, banks may limit transactions to ₹5,000 for the first 24 hours for safety.

How to Increase UPI Transaction Limit

If you often face issues while sending large amounts through UPI, don’t worry—there are simple ways to manage or increase your effective transaction limit. While the official cap is set by your bank, you can still use smart methods to handle higher payments بسهولة.

1. Use Multiple Bank Accounts

One of the easiest ways to increase your total daily UPI limit is by linking multiple bank accounts to your UPI app. For example, if one bank allows ₹1 lakh per day, adding another bank account gives you an additional ₹1 lakh limit. This way, you can split your payments and complete higher transactions without any issues.

Tip: Most UPI apps allow you to switch between accounts easily while making a payment.

2. Upgrade Your Account

Some banks offer higher transaction limits for users with premium or fully verified accounts. If your account is upgraded (for example, through full KYC or special account types), your bank may allow:

• Higher daily limits
• Faster approvals for large payments

Tip:  Check your bank app or contact support to see if you’re eligible for an upgrade.

3. Contact Your Bank

If you regularly need to send large amounts, you can directly request your bank to increase your UPI transaction limit. Banks may review your request based on:

• Your account history
• Transaction behavior
• Account type

Tip: Although not all banks allow limit increases, it’s always worth checking with customer support.

4. Use Alternative Payment Methods

For very large transactions, UPI may not always be the best option. In such cases, you can use other secure banking methods like:

• NEFT (National Electronic Funds Transfer): Good for scheduled or non-urgent payments
• RTGS (Real-Time Gross Settlement): Best for high-value, instant transfers
• Net Banking: Useful for transferring large amounts without strict daily caps

Tip: Use UPI for quick payments and switch to RTGS or NEFT when dealing with bigger amounts to avoid failures.

FAQs

Q. What is the UPI daily limit in 2026?

The standard limit is ₹1 lakh per day for most users.

Q. Can I transfer more than ₹1 lakh via UPI?

Yes, for specific categories like education or healthcare, higher limits are allowed.

Q. Which bank has the highest UPI limit?

Most banks offer similar limits, but some allow higher limits for special transactions.

Q. How many UPI transactions are allowed per day?

Usually between 10 and 20 transactions per day, depending on your bank.

Conclusion

Understanding UPI transaction limits in 2026 can save you from failed payments and unnecessary stress. While most banks offer a ₹1 lakh daily limit, the exact rules can vary. Before making a large payment, always check your bank’s limit and plan accordingly. This simple step can help you enjoy smooth and hassle-free digital transactions.