UPI Transaction Limits: SBI, HDFC, ICICI, and Major Banks Compared
A comprehensive reference table detailing the daily transaction amount and frequency limits for UPI payments across major Indian banks.
NPCI sets a standard daily limit of ₹1,00,000 per transaction for UPI payments, with banks and apps able to set their own limits (amount per day, amount per transaction, or number of transactions) based on their security policies.
If you process multiple daily payments, here are the UPI limits for the largest banks in India. Values reflect NPCI circulars and bank disclosures as of the review date above. Always confirm against your bank’s latest website.
Bank-Wise Daily UPI Limits
| Bank Name | Daily Max Limit (INR) | Max Transactions Per Day | Limit Per Transaction |
|---|---|---|---|
| State Bank of India (SBI) | ₹1,00,000 | 10 | ₹1,00,000 |
| HDFC Bank | ₹1,00,000 | 20 | ₹1,00,000 |
| ICICI Bank | ₹1,00,000 | 10 | ₹1,00,000 |
| Axis Bank | ₹1,00,000 | 20 | ₹1,00,000 |
| Punjab National Bank (PNB) | ₹1,00,000 | 10 | ₹1,00,000 |
| Bank of Baroda | ₹1,00,000 | 10 | ₹1,00,000 |
Note: First-time UPI users or users who have recently changed their UPI PIN or device are restricted to a maximum transfer of ₹5,000 for the first 24 hours to prevent fraud.
Sources: NPCI UPI procedural guidelines, individual bank UPI pages. For real-time limits, use our interactive UPI Limits Checker.
How to Bypass Daily Limits for Business
If you are a merchant collecting client invoice payments or retail sales:
- Upgrade to a Business/Merchant VPA: Merchant accounts are classified under Peer-to-Merchant (P2M) rules, allowing incoming transaction limits of up to ₹5,00,000 per day in some categories.
- Use UPI Autopay or Mandates: For recurring expenses, mandates allow secure pre-authorized transfers up to higher values.
- Keep Track of Bank Outages: If a transaction fails, it is often due to bank servers being down. Checking your bank’s active UPI server status can save you time.
Kunal Siyag
Founder, Pro UPI QR
Founder of Pro UPI QR. Builds the generators and calculators, writes the merchant guides, and cites NPCI, RBI, and bank sources instead of inventing a research team.
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