UPI Transaction Limits: SBI, HDFC, ICICI, and Major Banks Compared

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.

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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.

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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.