Archive · 29 Aug 2026
UPI transaction limits range from ₹1,000 to ₹5 lakh
UPI does not have one single limit for every payment.
Most regular UPI payments can be up to ₹1 lakh.
Some special payments are allowed to be larger.
Tax payments, IPO applications, certain RBI Retail Direct transactions, and payments to hospitals or schools can reach ₹5 lakh.
Some capital-market and insurance payments can reach ₹2 lakh.
UPI Lite is meant for smaller payments and allows up to ₹1,000 at a time.
UPI 123Pay, which works on feature phones, allows up to ₹10,000 per transaction.
A bank or UPI app may still set a lower limit.
Regular UPI transactions generally have a per-transaction limit of ₹1 lakh.
Eligible tax payments can use UPI for transactions of up to ₹5 lakh.
The ₹5 lakh ceiling also applies to IPO applications, RBI Retail Direct transactions, hospitals and educational institutions.
Certain capital-market and insurance payments have a UPI limit of ₹2 lakh.
UPI Lite allows ₹1,000 per transaction with a ₹5,000 balance cap, while UPI 123Pay allows ₹10,000 per transaction.
- Who
- UPI users, banks participating in UPI, the National Payments Corporation of India (NPCI), and the Reserve Bank of India (RBI).
- What
- The applicable UPI transfer limit varies by payment category and product, ranging from ₹1,000 for UPI Lite transactions to ₹5 lakh for certain eligible payments.
- When
- The article does not specify a particular date; it states that the RBI increased the tax-payment limit from ₹1 lakh to ₹5 lakh.
- Where
- Through the Unified Payments Interface (UPI) payment system.
- Why
- Different limits apply because NPCI and RBI permit higher ceilings for selected payment categories, while banks may impose lower internal limits.
- Regular UPI limit
- Generally ₹1 lakh per transaction.
- Tax-payment limit
- Up to ₹5 lakh per transaction.
- Other ₹5 lakh categories
- IPO applications, RBI Retail Direct Scheme transactions, hospitals and educational institutions.
- Capital-market and insurance limit
- Up to ₹2 lakh per transaction for certain eligible payments.
- UPI Lite
- Up to ₹1,000 per transaction, with a maximum balance of ₹5,000.
- UPI 123Pay
- Up to ₹10,000 per transaction.
- Bank limits
- Participating banks may set lower internal limits within the regulatory framework.