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All About Payments in India

BHIM App Transaction Limit Details

By Chandrakant Mishra | Published On October 19, 2019

BHIM app provides the easiest way of money transfer. But the fund transfer through this app is subject to the limits.  You can’t pay as much money as you want. In Fact, BHIM  has set a lower limit in comparison to other UPI Apps.The BHIM app has 3 types of transaction limits.

1. Per Transaction Limit

There is a upper limit of fund transfer through the BHIM app. You should take in mind this limit. Otherwise your transaction would fail.

Through the BHIM, you can,t pay more than ₹40 thousand in a transaction. Such transaction would not go through however, there would not be any deduction from your account either.

If You want to pay a higher amount, you can use other UPI apps, Most of the other UPI apps have a higher per transaction limit. Some of the apps permit upto ₹1 lakh per transaction.

2. Daily Transaction Limit

Besides the per transaction limit UPI apps have a daily fund transfer limit. In a day, you can’t transfer money more than the limit.

The daily limit for BHIM app transaction is ₹40,000. If you want to transfer more than ₹40 thousand, wait for the date change.

This limit is applicable to your bank account. So, if you have linked more than one account with your BHIM app, you can use another account for sending the excess amount.

You can also use other UPI Apps for fund transfer. All other UPI apps permit upto ₹1 lakh in a day.

3. Number of Transactions in Day

There is also a limit to the number of transactions through the BHIM app. The UPI prohibits more than 10 transactions by an account in 24 hours. Therefore, you can’t pay more than 10 times using the BHIM.

This limit of 10 transactions is applicable across the UPI apps. So, the total UPI transaction from a bank account should not cross 10, irrespective of the UPI app. This  limit is enforced by the NPCI which manages the UPI Fund Transfer System. 

BHIM App Transaction Limits

Security is the Reason For Limit

Why is there a limit on a transaction? Why can’t NPCI make it unlimited just like the internet banking transaction?

The reason for this limit is the security. BHIM or any other UPI apps are very easy to use. You would also agree that banking through these apps is simpler than the net banking. There is less security check and hurdles. That is why you love UPI apps.

But, you would notice that it is not as much secure as internet banking account. In an internet banking, you have to give alphanumeric login and transaction password. These passwords are difficult to steal while PIN can be stolen easily. Besides this, banks further authenticate by asking questions or grid numbers.

On the other hand, one can fraudulently steal money by using your mobile number. The fraudster only needs to know your login PIN, UPI PIN and handset. In such case, the transaction limit would restrict your loss. No one would be able to steal a big amount from your account. Meanwhile, you can block your mobile number and online transaction.

Fund Transfer Limit of Other Means

Other UPI Apps

However, other UPI apps have a higher limit of a transaction. Tez, Paytm, Phonepe, SBI Pay permits the transaction of up to ₹1 lakh per day. It is applicable to single transaction as well. In fact, the NPCI has set the maximum limit for UPI transaction. This limit is ₹1 lakh. Most of the apps have permitted the transaction up to this limit. But, BHIM has a shorter bar.

IMPS

The maximum limit for IMPS is much higher, you can transfer up to ₹2 lakh through the IMPS.

NEFT

There is no maximum or minimum limits for NEFT fund transfer. But you have to wait for the actual transfer.

RTGS

The RTGS has a lower limit. You can use it only for the 2 lakh or above. There is no upper limit. It transfers money instantly during the bank working hours.

Filed Under: BHIM

About Chandrakant Mishra

Chandrakant Mishra is the Founder-Editor of the upipayments.co.in and PlanMoneyTax.Com. He has written more than 600 articles on payments, tax, investment, insurance and saving. He has been associated with the CNBC Aawaz Business Channel as Assistant Editor.

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Reader Interactions

Comments

  1. Nikesh (Bhubaneswar) says

    May 16, 2019 at 4:21 PM

    From last week I’m unable to do transaction more than 10 rs. Every time it’s showing your daily transaction limits exeeded.

  2. Sylvia James (Trivandrum) says

    January 14, 2019 at 11:09 PM

    It is a good App. No hassles whatsoever and funds move quickly and safely.

  3. Ashutosh (Varanasi) says

    January 10, 2019 at 7:14 PM

    Risk threshold excised show ho rha hai transaction nhi ho rha eska kya mtlb hai

  4. Chandrakant Mishra says

    November 13, 2018 at 6:21 AM

    https://upipayments.co.in/hindi-bhim-app-customer-care-number/

  5. Arun (Chikodu) says

    November 10, 2018 at 9:44 PM

    Please give me ur customer care number of bhim app..

  6. Chandrakant Mishra says

    November 7, 2018 at 5:50 AM

    You should get back the money.

  7. Janakiraman says

    November 5, 2018 at 10:52 AM

    My transaction failed but debited in my bank account ₹5600 mobil no 9688755246

  8. Chandrakant Mishra says

    October 28, 2018 at 8:52 AM

    अब तो इसे घटाकर 10 कर दिया गया है। दुकानदार को पैसे देना हो तो अनलिमिटेड ट्रांजैक्शन कर सकते हैं

  9. Chandrakant Mishra says

    October 28, 2018 at 8:51 AM

    From 21st October the daily limit is reduced to 10 transactions.

  10. Vigneshwaran says

    October 23, 2018 at 6:16 AM

    Last 3 days i am unable to do more than 10 transactions my mobile number 9655398870

  11. Nitishmeena says

    October 22, 2018 at 10:48 PM

    Unlimited limit kese kre upi transaction ki ek dine me one bank see 20 transaction hote he is ko unlimited kese kre Bim upi see transaction krne ki koe solution ho to btaao na

  12. Gaurav says

    October 19, 2018 at 1:17 PM

    Iob bank se link phonepe se kitne time free transaction kr skta hu

  13. Ritu khurana says

    October 15, 2018 at 4:56 PM

    Customer care services are not good as they are not attending the calls. Today I got my money deducted from my account by using BHIM but it was not received in other account and continuously tried customer care but no-one received. Plz tell who is answerable

  14. Dhaval says

    September 18, 2018 at 8:09 AM

    Howmuch amount transfer by sbi bhim app to one account to other account

  15. Jagdish Solanki says

    September 2, 2018 at 4:37 PM

    Sir mere phone pay application me jab me transaction karta hu to transaction proccess me exceeded The permissible number show kar raha he esa kyo ho raha he .

  16. Rishabh says

    August 2, 2018 at 2:06 AM

    Agar bhim app mein paytm payment bank link karte h to Kitna paisa transfer Kar sakte h

  17. Ckumar says

    July 26, 2018 at 10:32 AM

    It’s Rs. 20000/- per transaction with maximum Rs. 40000/- in a day and maximum 20 transactions.

  18. Ramesh Vishwakarma says

    July 17, 2018 at 6:59 AM

    My amount rs5000do’ntransact plz trans. My money

  19. OM MUNDE says

    July 15, 2018 at 12:30 AM

    Sirji…..This bhim app Limit par day Tanfasr money please reply me sir

  20. Ashok Kare says

    July 5, 2018 at 10:39 PM

    Wonderful app design and interface. But transactions fail very often. App lags terribly.

  21. Chandrakant Mishra says

    June 27, 2018 at 7:53 AM

    The system verifies real user through the registered mobile number. Further, a transaction can take place only after using UPI PIN. The PIN is set by using ATM details.

  22. Suman Malakar says

    June 26, 2018 at 11:46 PM

    It fetches the bank accounts that is fine BUT it does not ask for bank user id and password before making that bank account functional on the app for the first time looks like a threat to me.

  23. Manoj Pharande says

    June 21, 2018 at 10:17 AM

    16 जुन ला भीम अँप ने बक्षिस 400 पाठवले परंतु जमा झाले नाहीत

  24. Mahroof Karinganad says

    June 17, 2018 at 7:41 AM

    Thanks to UPI payment system.. Simple and not costly… Using paytm and phonepe. I think paytm is better.

  25. Nikhil Mittak says

    June 16, 2018 at 11:18 PM

    My transactions limit not updated from last 3 days, my bhim upi mobile number is 7888467455@upi

  26. Nagachary Siddoju says

    May 5, 2018 at 6:37 PM

    I could not understand these lines “the UPI prohibits more than 20 transactions by a user. Therefore, you can pay more than 20 times using Tez. This limit of 20 transactions is applicable across the UPI apps. So, the total UPI transaction should not cross 20, irrespective of the UPI app.”

    Because Tej is also a UPI-based app but you say it allows more than 20 transactions per day.

  27. Pemba Sherpa says

    April 20, 2018 at 7:08 AM

    Nice app no Extra process very simple… thanks to all UPI team.

  28. yedukondalu says

    April 10, 2018 at 3:53 PM

    phone pay is nice app . no doubt.. it works well. up to now no problem. speed is well. but how i reserve rail tickets through it.. i have seen red bus . not seen train tickets booking . plz respond me

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