💸 UPI Limits & Charges
NPCI GuidelinesCompare daily UPI transaction limits, maximum limit per transaction, and charge structures across major Indian banks.
Select Your Bank
State Bank of India (SBI)
Official NPCI UPI Guidelines
Transaction Category Limits
P2P (Peer-to-Peer)
₹1,00,000
Transferring funds from your account to a friend or family member's personal UPI ID.
P2M (Peer-to-Merchant)
₹1,00,000
Paying verified merchants, scanning QR codes at shops, buying tickets, or bills payment.
First-time users: As per RBI directives, the UPI transaction limit for the first 24 hours of creating a new UPI account is capped at ₹5,000 across all banks.
All Banks Limits Comparison
| Bank Name | Daily Limit | Max Per Transaction | Tx Count/Day | Charges |
|---|---|---|---|---|
| State Bank of India (SBI) | ₹1,00,000 | ₹1,00,000 | 10 | Free |
| HDFC Bank | ₹1,00,000 | ₹1,00,000 | 10 | Free |
| ICICI Bank | ₹1,00,000 | ₹1,00,000 | 10 | Free |
| Axis Bank | ₹1,00,000 | ₹1,00,000 | 10 | Free |
| Punjab National Bank (PNB) | ₹50,000 | ₹25,000 | 10 | Free |
| Bank of Baroda (BoB) | ₹50,000 | ₹50,000 | 10 | Free |
| Canara Bank | ₹1,00,000 | ₹1,00,000 | 10 | Free |
| Union Bank of India | ₹1,00,000 | ₹1,00,000 | 10 | Free |
| Indian Bank | ₹1,00,000 | ₹50,000 | 10 | Free |
| Kotak Mahindra Bank | ₹1,00,000 | ₹1,00,000 | 10 | Free |
| Paytm Payments Bank | ₹1,00,000 | ₹20,000 | 20 | Free |
Understanding UPI Limits and RBI Regulations
Unified Payments Interface (UPI) is a real-time instant payment system developed by the National Payments Corporation of India (NPCI). While UPI transactions have skyrocketed, NPCI and individual banks enforce limits to manage payment security and reduce digital fraud.
NPCI Daily Limits:
The maximum money that can be sent via UPI in a single day is capped at ₹1,00,000. This applies to standard Peer-to-Peer (P2P) transfers. However, for specific high-value categories like capital markets, insurance, collections, and credit card bill payments, the NPCI has raised the transactional limit up to ₹2,00,000. For hospitals and educational institutions, payments up to ₹5,00,000 are allowed.
First-Time User Caps:
To safeguard users from cyber-frauds, RBI guidelines mandate that when a user creates a new UPI profile or resets their UPI PIN, they can transfer a maximum of ₹5,000 in the first 24 hours. Check our database comparison above to see specific bank limitations.