UPI cumulative limit hiked to ₹10 lakh in 24 hours: Know the new per-transaction and cumulative caps

UPI limit per day is set for a major boost as the National Payments Corporation of India (NPCI) has raised transaction limits across several categories. The new limit across UPI apps and payment service providers (PSPs) will be effective September 15, 2025.

According to the NPCI circular dated August 28, the per-transaction limit for categories like capital markets, insurance, government e-market place, travel, and collections stands at ₹5 lakh.

The new framework allows customers to transact up to ₹10 lakh in 24 hours for various 'verified merchant' categories.

For credit card bill payments, the transaction ceiling is hiked up to ₹5 lakh with a daily cap of ₹6 lakh. One can make jewellery payments of up to ₹2 lakh per transaction, while the 24-hour limit is set at ₹6 lakh.

"With UPI emerging as a preferred payment method, there are requirements from the market on extending higher per transaction limits for additional categories of transactions in UPI," NPCI said, adding that "the enhanced limits shall be applicable for merchants which are categorised as verified merchants."

UPI limit gets hike: Know the new per-transaction and cumulative caps

Meanwhile, NPCI made it clear that member banks can set their internal limits based on their internal policy, within the overall ceilings prescribed by NPCI.

"The per transaction limit for P2P shall continue as per the extant guidelines," it added.