The UPI gives you the easiest way of fund transfer but there are daily transaction limits. The NPCI which runs the UPI platform has set the limit for transactions. Besides this, Every UPI app operators, be it Phonepe, SBI Pay or Paytm has also set their own limit within the limits of the UPI Payment system.
The fund transfer through the UPI payment system has 3 types of limit. Every UPI App has to work within this limit. The apps can’t exceed the limit set by the NPCI. However, they can put their own sub-limit.
Note. all these limits are set for a bank account. You can transact beyond the limit by changing the linked bank account in the UPI app. But for that you must have more than one bank account.
Also Read – What is Paytm Postpaid
Standard Limit of UPI Apps
1- Daily Limit
The UPI Payment system has set a limit on the daily transaction. You can’t send more than the maximum permitted amount in a day. The limit of daily UPI transaction is ₹1 lakh/day for an account. However, UPI 2.0 has relaxed this limit to 2.0 lakhs for investment in IPO of shares.
2- Per Transaction Limit
The UPI System does not have any limit for the per transaction. You can send money up to ₹1 lakh in a transaction. However, Some UPI apps have set a limit for the per transaction.
3- Number of Transaction
There is also a limit to the number of transactions. You can’t make more than 10 payments in 24 hours from an account. Earlier this limit was 20 per day. But now the UPI has reduced the limit as many people were using the UPI platform multiple times just to earn rewards.
Note, this limit is not applicable if you make a payment to the merchant. The limit is only for the Peer to Peer Transfers.
Also Read: Fund Transfer Limits of NEFT, RTGS, IMPS and UPI
Transaction Limits of Paytm, SBI, Tez and Phonepe
Paytm Transaction Limit
The Paytm Follows the limits set by the UPI System. It gives you the maximum relaxation available under the UPI platform. So, you can send as much as ₹1 lakh in a day using the UPI facility of the Paytm. You can do a maximum of 10 UPI transactions through the Paytm.
Phonepe UPI Transaction Limit
The Phonepe App has a maximum transaction limit for the per transaction. It is ₹1 lakh per transaction. However, There is no information about the daily limit on the payment. But, as we know that NPCI does not permit more than ₹1 lakh payment in a day from one account. Hence this limit would also apply to the Phonepe. Similarly, 20 UPI transaction per day limit would be also applicable to the Phonepe. This limit is also applicable to the account, irrespective of the UPI App.
Tez UPI Transaction Limit
The Google Pay app also follows the UPI limits. These are the details.
- Maximum Amount Per transaction – ₹1 Lakh
- Maximum Amount can be Paid in a day – ₹1 lakh
- Maximum Number of Transaction in 24 hours- 10
SBI Pay App Transaction Limits
The SBI Pay app is a UPI app promoted by the State Bank of India. Like other UPI Apps, the BHIM SBI Pay also do not limit the amount of the transaction. You can pay the maximum permitted amount in a day. Thus, the upper limit for a transaction through the BHIM SBI Pay would be ₹1 lakh. The daily limit for the UPI Transaction from a bank account is ₹1 lakh. You can do a maximum number of 10 transactions in 24 hours within the Rs.1,00,000/- limit.
So, now you know the transaction limits of the various UPI Apps. If you find this limit insufficient, you can use the IMPS and NEFT payment system. These systems are still useful in many cases.
dear sir,pls clarify
what’s the limit.after first transactions its showing “bank has set limit”.pls clarify.
i m also facing transaction limit problem..last 1week i have not used any app using upi..how to solve this issue ..??
I do upi trans almost daily. I see that in one case i got error “bank limit exceeded” or something like that. thing is that i did an upi trans for rs 50 only on that day for that bank account using . I think the upi app is kvb upay. i have all major apps like paytm,sbi bhim,phone pay,mobikwik,BHIM,cointab,uco bhim etc. first time seeing such error.any idea??
Hi Subramani
There is a limit on the frequency of UPI transactions. In 24 hours, there can be maximum of 10 P2P (Non-merchant) transactions.
I have had no transaction in 24 hours. all my attempts were failed with a comment, ” transactions exceeded the amount set by your bank.” What is to be done?
Wait for a day
Dear Sir,
Even i am also having the same issue.
I can transfer only 5000 per transaction. A bigger amount (More than 5 and less than 1 Lac) can not be transferred thought this app. even after two days it is showing ” Transaction is process”
Kindly do the needful.
With regards.
I can’t send 2000rs other account, I got the note exceeding limit cross ur bank…why? What’s limit of SBI
Detail info provided well appreciated but would be delightful if the people who faced problem are suggested with solutions to solve the problem.
I have also the same problem of limit exceed how to solve these problem
Showing Limit exceeds…how it is possible ?clarify..what is the limit of SBI
What is actualy the daily limit the only money i was able to send was 1000 and after that after each attempt it is showing the limit is exceeded . Later i unistalled and reinstalled but still it just shows like that.
I tried to send 1000 rupees. Amount not sent.received. a message I am exceeding bank limit.
Akhil boss I also have the same problem as I was using paytm upi but today it was my first transfer but on time it shows limit exceed how it could be possible.
I just did only one transaction and when I was trying to do another it shows transaction limit was exceed.can I get any help
All the above comments are occur due to exeed 10 transaction in 24 hr
I tried to send Rs.5000/- to other person account but not sent saying as ” transaction limit exceeded” while it is not right. How to transfer money now & what’s use of upi apps.
These limits are set by concerned banks …. Different banks have different policies…. So as per there policies they set online transaction limits ….. It could be 1000 at one time and it can be 100000 at one time also….. This depends on the concerned bank
just uninstall and again install definitely it will work.
I have the same problem
Hiie, actually I tried to send 30000 and amount was not sent and I received a message that I am exceeding the transaction limit
I tried to send 1000 rupees. Amount not sent.received. a message I am exceeding bank limit.funny isnt
I tried to send Rs.5000/- to other person account but not sent saying as ” transaction limit exceeded” while it is not right. How to transfer money now & what’s use of upi apps.
Always showing the message ‘tranwaction limit exceeded’. Frustrating. Maybe bcoz to support private apps like paytm, I think..
My transaction for 2000₹ was declined stating that the transaction limit has expired, but this ia my first transaction, also there have been no excess bank transactions either. Can I get some help?
my phone pe limit 1000/day
i had contact to phone pe & sbi custmer care but they do not solve my problemn
I tried to send 1000 rupees. Amount not sent.received. a message I am exceeding bank limit.funny isnt
I also got the same message.why is it so
My Bhim app is not opening.Pls help
There is not any clarity on number of transactions by user. User means what?… 20 transactions through a single VPA, or Account number or a mobile number because we have seen the instances of more than 20 transactions by a user. how can this be possible ..please examine and elaborate if possible.
Hi Shree
It was 20 transactions per account per day. Now it has become 10 transactions per account in 24 hours.