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 for peer-to-peer UPI transactions. However, individual banks can 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.
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 | 10 | ₹1,00,000 |
| ICICI Bank | ₹1,00,000 | 10 | ₹1,00,000 |
| Axis Bank | ₹1,00,000 | 10 | ₹1,00,000 |
| Punjab National Bank (PNB) | ₹50,000 | 10 | ₹25,000 |
| Bank of Baroda | ₹50,000 | 10 | ₹50,000 |
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.
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 ₹5,000,000 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
Applied AI developer building specialized utilities and running technical experiments in public.
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