• FASTAG
  • UPI Guide
  • UPI Apps
    • BHIM
    • Google Pay
    • Paytm
    • Phonepe
    • Samsung Pay
    • SBI Pay
    • Whatsapp
  • Payment Methods
  • Payments Basic
  • Customer care
  • हिंदी
  • Skip to primary navigation
  • Skip to main content
  • Skip to footer
  • Home
  • Videos
  • FASTAG
  • UPI apps
    • Google Pay
    • Paytm
    • BHIM
    • Phonepe
    • SBI Pay
    • Whatsapp
    • Samsung Pay
  • Payments Bank
  • हिंदी
  • Customer care
  • NEFT, IMPS
  • UPI
    • How To Use
    • UPI PIN
    • Linking Bank Accounts
    • Transaction Limits
    • 5 Best UPI Apps
  • Tax Saving

UPI Payments- Google Pay, Phonepe, Paytm, UPI PIN, UPI ID

All About Payments in India

UPI Transaction Limits of Paytm, SBI and Phonepe

By Chandrakant Mishra | Published On August 20, 2018

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.UPI Transactions Daily Limit

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.

UPI Limit

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.

How To Set UPI PIN in Phonepe

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.

Useful Post – Paytm Vs Phonpe? Which is a Better Mobile App

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.

Filed Under: Google Pay, Paytm, Phonepe, SBI Pay, UPI Apps

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.

UPI Pay Later in ICICI Bank and HDFC Bank: Activation and Charges

In the past 7 years, UPI has seamlessly integrated into our daily lives, transforming the landscape of payments in India. It's not just about payments; UPI keeps evolving with new features. One of the … [Read More...] about UPI Pay Later in ICICI Bank and HDFC Bank: Activation and Charges

Account Payee Cheque: How to Issue and Encash?

In today's digital age, most individuals possess a bank account equipped with chequebook facilities. However, the use of physical cheques has dwindled resulting in a general lack of familiarity with … [Read More...] about Account Payee Cheque: How to Issue and Encash?

UPI Transaction Limit of Google Pay, SBI, ICICI, HDFC, and 40 other Banks

UPI transactions are quite convenient. But they come with limitations. These limits might become an issue when you need to make a payment urgently. UPI transactions have two types of limits: one … [Read More...] about UPI Transaction Limit of Google Pay, SBI, ICICI, HDFC, and 40 other Banks

Reader Interactions

Comments

  1. Chandrakant Mishra says

    December 27, 2019 at 11:45 AM

    Rishi

    There is no limit if you pay to a merchant. Meanwhile if problem persist despite transactions within limit, you should contact to the customer care. Else, you can also use the different bank account for the payment, if you have another.

  2. Rishi gautam (Delhi) says

    December 26, 2019 at 12:22 PM

    Its been 2 days and it is showing that i have exceed my daily count of transactions but daily means 24 hours right? I would be sleeping hungry today if this problem wouldn’t be solved, Someone plz help immediately…

  3. Chandrakant Mishra says

    December 24, 2019 at 11:26 AM

    अगर आपके पास तीन बैंक खाते हैं तो आप एक दिन में तीस ट्रांजैक्शन कर सकते हैं। लेकिन अगर आप तीन एप्स की बात कर रहे हैं तो ऐसा नहीं हो पाएगा।

  4. Vishwanath gaur (Bareilly) says

    November 27, 2019 at 9:12 AM

    यदि मेरे पास 3 बैंक के खाते हैं तो प्रति दिन क्या में 10 upi के हिसाब से 30 upi txn कर सकता हूं।पेटीएम, फोनेपे, गुगलपे तीनों हैं।

  5. SIMANCHAL HOTA (JEYPORE ( K ) ODISHA ) says

    October 20, 2019 at 11:32 AM

    Sir I am also facing the same problem from last 2 days, after one transaction of Rs 5000 it shows you cross your limit.

  6. vikky anand (patna) says

    August 10, 2019 at 6:19 PM

    dear sir,pls clarify
    what’s the limit.after first transactions its showing “bank has set limit”.pls clarify.

  7. subhash (hyderabad) says

    August 8, 2019 at 2:36 PM

    i m also facing transaction limit problem..last 1week i have not used any app using upi..how to solve this issue ..??

  8. Bhagyawanti Chomal says

    August 2, 2019 at 2:54 PM

    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.

  9. Chandrakant Mishra says

    July 27, 2019 at 10:48 AM

    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.

  10. subramani (bangalore) says

    July 26, 2019 at 11:55 PM

    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??

  11. Chandrakant Mishra says

    July 10, 2019 at 8:40 PM

    Wait for a day

  12. Brahmanandam R R. (Tangutur) says

    July 9, 2019 at 7:50 PM

    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?

  13. Leena vishawakma (Biaora ) says

    July 3, 2019 at 4:01 PM

    I can’t send 2000rs other account, I got the note exceeding limit cross ur bank…why? What’s limit of SBI

  14. Inchara (Bengaluru ) says

    July 1, 2019 at 3:14 PM

    Detail info provided well appreciated but would be delightful if the people who faced problem are suggested with solutions to solve the problem.

  15. Pujesh (Indore) says

    June 26, 2019 at 1:07 PM

    I have also the same problem of limit exceed how to solve these problem

  16. Manjula Sood (Parwanoo) says

    May 21, 2019 at 1:36 PM

    Showing Limit exceeds…how it is possible ?clarify..what is the limit of SBI

  17. Raghu (Fharukhabad) says

    May 12, 2019 at 8:32 PM

    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

  18. Sravan (Calicut) says

    May 12, 2019 at 10:02 AM

    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.

  19. Munees kumar (Ramanathapuram ) says

    May 11, 2019 at 1:43 PM

    I tried to send 1000 rupees. Amount not sent.received. a message I am exceeding bank limit.

  20. HARPREETSINGH (Delhi ) says

    April 13, 2019 at 7:27 PM

    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.

  21. Bindu (Hyderabad) says

    March 28, 2019 at 4:47 AM

    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

  22. Akhil Agrawal (Barpali) says

    March 14, 2019 at 11:41 AM

    All the above comments are occur due to exeed 10 transaction in 24 hr

  23. Rakesh kumar sahu (Durg) says

    March 11, 2019 at 11:24 AM

    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.

  24. tester bhadani (New York) says

    March 5, 2019 at 6:13 PM

    just uninstall and again install definitely it will work.

  25. Akshay suman (Haldia) says

    March 4, 2019 at 3:28 PM

    I have the same problem

  26. Melvin (Kannur) says

    March 4, 2019 at 9:16 AM

    I also got the same message.why is it so

  27. Manya gaur (Patna) says

    March 2, 2019 at 8:36 AM

    Hiie, actually I tried to send 30000 and amount was not sent and I received a message that I am exceeding the transaction limit

  28. Vikram SINGH (Patiala) says

    February 16, 2019 at 10:18 AM

    I tried to send 1000 rupees. Amount not sent.received. a message I am exceeding bank limit.funny isnt

  29. Gajanand Maheshwari (ALWAR) says

    February 13, 2019 at 2:09 PM

    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.

  30. Sam (Nagercoil) says

    February 10, 2019 at 2:38 PM

    Always showing the message ‘tranwaction limit exceeded’. Frustrating. Maybe bcoz to support private apps like paytm, I think..

  31. Bhagyashree Alwani (Indore) says

    February 9, 2019 at 12:01 PM

    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?

  32. Bahubali (Pune) says

    February 8, 2019 at 4:59 PM

    my phone pe limit 1000/day
    i had contact to phone pe & sbi custmer care but they do not solve my problemn

  33. Raghunath.c.r (Tumkur) says

    February 6, 2019 at 6:31 PM

    I tried to send 1000 rupees. Amount not sent.received. a message I am exceeding bank limit.funny isnt

  34. Palak Dwivedi (Lucknow) says

    January 8, 2019 at 1:31 PM

    My Bhim app is not opening.Pls help

  35. Chandrakant Mishra says

    October 28, 2018 at 8:56 AM

    Hi Shree
    It was 20 transactions per account per day. Now it has become 10 transactions per account in 24 hours.

  36. Shree says

    October 19, 2018 at 7:35 PM

    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.

Comment Policy:Your words are your own, so be nice and helpful if you can. Please, only use your real name and limit the amount of links submitted in your comment. We accept clean XHTML in comments, but don't overdo it please.

Leave a Reply

Your email address will not be published. Required fields are marked *

Footer

How To Activate Airtel Payment Bank’s Dormant Account

Opening multiple accounts is simple, but maintaining them can be challenging. The same applies to an Airtel Payment bank account that you might have opened a while ago. However, over time, this account may have become dormant or blocked, even though it might still hold some funds. Are you now eager to reactivate or unblock […]

Solution: You have exceeded the maximum transaction limit set by your bank!!

It is not frequent, but sometimes you can encounter the message “You have exceeded the maximum transaction limit set by your bank”. You can also see the message “You have reached the UPI payment limit set by your bank”. It applies a sudden brake on your otherwise smooth UPI Payments. This can happen whether you […]

Phonepe Transaction Limit Per Day: UPI Limit for 93 Banks (Updated 2023)

Do you want to know about the limits of the Phonepe Payments app? You’re in luck! This guide breaks down those limits into simple pieces. Let’s explore PhonePe’s daily transaction limits, understanding what you can and can’t do. Get ready to dive in. Types of Limits on Phonepe There can be various types of limits […]

HDFC Bank: How to Open PPF Account Online

Hey there, curious about how to make your money work for you? Do you want to build some long-term wealth through the HDFC Bank? Well, you’re in luck because there’s this fantastic thing called a PPF or Public Provident Fund that’s perfect for small investors like you. You might be wondering, what’s so great about […]

What is UTR Number? How to Find UTR and Check Status

The full form of the UTR number is the Unique Transaction Reference number. When you send money between banks, each transaction gets a unique UTR number.

Updated Interest Rates for Small Saving Schemes in India: July 2023

Small Saving Schemes in India are instrumental in encouraging savings and offering secure investment avenues to individuals across the country. As we step into the second quarter of the financial year 2023-24, the government has announced revised interest rates for these schemes. In this blog post, we provide a detailed overview of the revised interest […]

Disclaimer: This site is not related to NPCI or any government organisation. It is a blog to share the publicly available information.

© Copyright 2023 UPI Payments · All Rights Reserved