Unified Payment Interface, UPI is facilitating the users to transact the money in three ways. Transfer from one account to another, Bill payments and Merchant transactions. But there are also the limits on fund transfer.
NPCI, the governing body of UPI Payment system has set the transaction limit for the UPI Apps. In this post, I will tell you per day transaction limits of UPI Apps. These UPI Apps include Paytm, Google Pay, Phonepe, SBI Pay etc

Transaction Limit of UPI
NPCI is giving the UPI transaction facility under the three limits-
- Per day transaction limit. It is ₹1 lakh per day. Thus your total transaction in a day should not be more than this amount. This limit is set for every bank account irrespective of the app.
- Per transaction limit. Per UPI transaction limit is also ₹1 lakh. So if you have made a transaction of ₹1 lakh in a single transaction, you can not transact any more on that day.
- The number of transactions per day limit. NPCI is also limiting the number of transactions in a day. It is 10. Thus you can not make UPI transactions more than 10 times in a day from one bank account.
All the UPI Apps must have to follow the above limits of transactions. However, they can set their own limits as well. But it should not exceed the NPCI limits. Moreover, these limits are for the account to account transfer. Not for the payment to the merchant. There is no limit for the merchant payments.
Suggested – No Fees on Merchant for UPI and Rupay Transactions
Note:- You may send the money beyond the above limits. But for this, you have to link more than one account in your UPI App. Then you may send separately from each account up to the limits.
Now have a look on per day transaction limits of the UPI Apps.
Suggested – How to Use UPI Autopay for Bill Payments
Google pay App
Google Pay UPI App is providing the transaction facility under the following limits-
- You may send up to ₹1 lakh in a whole day.
- Also, you may transact 10 times in a day.
- But there is no description of per transaction amount. So it means, you may send up to ₹1 lakh through a single transaction.
further reading – Google Pay Features : How to Send and Request Money
PhonePe App
PhonePe UPI App transaction limits are-
- Amount of per transaction may be a maximum of ₹1 lakh.
- No details on per day transaction limit. As you know it might not be more than ₹1 lakh according to NPCI. Hence, obviously it will be ₹1 lakh.
- And you may send money 10 times in a day through the PhonePe.
Also Read – Top 10 Features of the Phonepe
Suggested: Phonepe Customer Support Methods and Customer Care Numbers
Paytm App
Paytm follows the exact guidelines of NPCI. Thus its limits are-
- You may send money from ₹1 to ₹1 lakh in a single transaction.
- Also, the per day transaction limit is ₹1 lakh as per the ruling of NPCI.
- The number of transactions in a day also limits for 10.
Suggested – Paytm Vs Phonepe: Which is Better App?
SBI Pay App
State Bank of India has its own UPI App. It is SBI Pay App. Through this app, SBI limits the transaction facility as per the guidelines of NPCI. So-
- ₹1 lakh is the maximum limit of per transaction.
- Per day transaction limit is also ₹1 lakh.
- And you can do a maximum of 10 transactions round a clock.
Note:- Through BHIM UPI App you may send a maximum of only ₹40,000 in a single transaction. And per day limit is also ₹40,000.
So many applications make you confused. Govt should not allow only a limited number of
applications. Online transactions should also be limited as everyone is not expected to operate the mobiles.