Archive · 3 Sep 2025
NPCI Increases UPI Transaction Limits for Key Sectors
Imagine using UPI to pay online.
NPCI, the company behind UPI, has increased how much money you can transfer at once for certain businesses.
Starting September 15, 2025, you can pay up to ₹5 lakh for things like stocks, insurance, and travel.
Jewellery purchases are limited to ₹2 lakh.
This change is because more people are using UPI, and the limits are being updated to make sure you can pay for more types of transactions.
NPCI increased UPI transaction limits for various categories.
The new limits go into effect on September 15, 2025.
Increased limits apply to sectors like capital markets, insurance, and travel.
The per-transaction limit is ₹5 lakh for many categories.
Banks must ensure the enhanced limits are extended only to compliant merchants.
- Who
- National Payments Corporation of India (NPCI)
- What
- Increased UPI transaction limits for specific merchant categories.
- When
- Effective September 15, 2025
- Where
- Not explicitly mentioned.
- Why
- To meet growing market demand as UPI continues to dominate digital payments.
- Effective Date
- September 15, 2025
- Increased Limit (Capital Markets, Insurance, Travel, etc.)
- ₹5 lakh per transaction
- Jewellery Limit
- ₹2 lakh per transaction
- Cumulative Limits (Capital Markets, Insurance, Travel)
- ₹10 lakh
- Credit Card Bill Payments Cumulative Limit
- ₹6 lakh
- UPI Transactions (August 2025)
- 20 billion
- Total Value of UPI Transactions (August 2025)
- ₹25 lakh crore
