In today’s fast-paced digital world, Unified Payments Interface (UPI) has become the backbone of India’s cashless economy. UPI has made money transfers easy and super convenient, especially for women who effortlessly balance work, home, and everything in between and take control of their finances with ease and confidence. Whether it’s splitting lunch bills with friends, paying the house helper, or investing through your favorite finance app, UPI lets you make the payment in just a few taps. But then comes that one alert — “You’ve reached your limit.” Curious why it happens and how to fix it? Let’s find out!
💡What Is the UPI Limit?
Every bank sets its own UPI transaction limit, but there are also standard limits set by the National Payments Corporation of India (NPCI) to keep payments safe and secure.
Here’s the General UPI Limit :
- Per Transaction Limit: ₹1 lakh per transaction (for most banks).
- UPI Daily Limit: Up to ₹1 lakh.
That means if you’re sending small payments multiple times, like splitting bills, paying the house helper, or contributing to your mutual fund SIP, you could hit your UPI daily limit before you realize it
💡 Why These Limits Even Exist
Imagine it’s like your mobile data plan, each day, you get a set amount of data to use, so you don’t use it all up at once. Similarly, your bank sets UPI limits to keep your money safe and your transactions in control.
These help you to :
- Prevent large unauthorized transactions in case of fraud.
- Keep the system stable and secure.
- Encourage responsible spending
Why it matters especially for women managing home and finances
To be honest, most of us handle a lot of digital transactions on a daily basis.
We are managing everything from paying kids’ tuition fees, ordering groceries, or transferring money to the parents since UPI has made these payments simpler.
But if you’re suddenly blocked by a UPI limit, it can be quite frustrating for you. That’s why it‘s important to know your bank’s UPI limits, which helps you plan your payments smartly, especially when you’re juggling home expenses, EMIs, and investments all from your phone.
Here’s how you can manage UPI limits smartly
- Check your bank’s limit – Every UPI app shows your daily limits in the “Bank Account” or “Profile” section.
Checking your Bank’s limit will make it easier to manage your payments effectively. - Spread payments across apps – you can use multiple UPI apps, so in case you have reached the limit on one app, you can still finish your payments with another.
- Schedule large transfers – If you know you’ll need to make multiple big payments (like rent + tuition + utility bills), space them out over 24 hours.
- Upgrade transaction limit (if possible) – Some banks allow you to increase your limit through net banking or customer care service. It will be really helpful for you if you are constantly making larger payments.
- Use alternatives when needed – For larger amounts, use NEFT, RTGS, or IMPS, which have higher transaction limits and reliable
UPI Operational Guidelines
The NPCI has introduced updated UPI rules effective from 1 August 2025, across all UPI-enabled apps. These changes aim to improve system efficiency and payment security:
- Balance Check Limit: You can check your bank balance for a maximum of 50 times per day on your UPI app with , exceeding this limit, block balance checks for 24 hours on that app.
- Account Linking Limit: You can link up to 25 bank accounts per day per UPI app (based on mobile number/account fetching).
- Transaction Status Checks: Pending transaction status can now be checked only 3 times per transaction, with a mandatory 90-second gap between each attempt.
- Auto-Debit Processing Time: Auto-debit mandates (e.g., EMIs, SIPs, subscriptions) will be processed only during non-peak hours, i.e., before 10:00 a.m. and after 9:30 p.m.
Final Word
UPI has made handling money easier than ever, especially for women who manage multiple roles and expenses daily. So, UPI limits aren’t roadblocks. Once you understand how they work, you can make smarter moves with your money, and with Lxme’s Budget Tracker you see how much you earn, spend, and save all in one place.
While setting monthly budgets, tracking your expenses, and understanding your spending habits better. Because managing your money should feel effortless, empowering, and completely in your hands
FAQs
Can I increase my UPI transaction limit?
Yes! Few banks allow you to increase your limit through net banking or customer care service.
Do all banks have the same UPI transaction limit?
No, not all banks have the same UPI transaction limit.
Further read:
UPI Complaint for Failed or Wrong Transactions