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NPCI & Bank Guidelines Reference

Indian Bank & App UPI Daily Transfer Limits

Per NPCI guidelines, standard UPI P2P transfer limits are capped at ₹1,00,000 per 24 hours. Specific banks and applications enforce additional hourly, per-transaction, or initial login limits.

Bank / App NameDaily LimitPer Transaction CapDaily Txn CountAction
State Bank of India (SBI)
No fee on standard P2P / P2M transfers.
₹1,00,000₹1,00,00010 transactionsGenerate QR →
HDFC Bank
₹5,00,000 limit allowed for approved hospital & educational merchant VPAs.
₹1,00,000₹1,00,000 (New users ₹5,000 first 24h)20 transactionsGenerate QR →
ICICI Bank
Higher limits available for ICICI Instant Merchant QR accounts.
₹1,00,000₹1,00,000 (GPay limit ₹25,000)10 transactionsGenerate QR →
Axis Bank
Supports custom UPI handle @axisbank, @okaxis.
₹1,00,000₹1,00,00020 transactionsGenerate QR →
Punjab National Bank (PNB)
Default limit for PNB ONE UPI app.
₹1,00,000₹1,00,00010 transactionsGenerate QR →
Bank of Baroda (BOB)
Supports BOB World UPI handle @barodampay.
₹1,00,000₹1,00,00010 transactionsGenerate QR →
Kotak Mahindra Bank
Supports @kotak handle.
₹1,00,000₹1,00,00010 transactionsGenerate QR →
Canara Bank
Supports @cnrb handle.
₹1,00,000₹1,00,00010 transactionsGenerate QR →
Union Bank of India
Supports @unionbank handle.
₹1,00,000₹1,00,00010 transactionsGenerate QR →
IndusInd Bank
Supports @indus handle.
₹1,00,000₹1,00,00010 transactionsGenerate QR →
Google Pay (GPay)
Limits apply across all linked bank accounts in GPay per 24 hours.
₹1,00,000₹1,00,00010 transactionsGenerate QR →
PhonePe
Subject to individual issuing bank daily cap.
₹1,00,000₹1,00,00010-20 transactionsGenerate QR →
Paytm
Hourly limit cap enforced by Paytm Security System.
₹1,00,000₹1,00,000 (Max ₹20,000/hour)20 transactionsGenerate QR →
BHIM UPI
Official NPCI reference app.
₹1,00,000₹1,00,000 (P2P default ₹40,000)10 transactionsGenerate QR →
Amazon Pay UPI
Cashback rewards apply on merchant scans.
₹1,00,000₹1,00,000 (First 24h cap ₹5,000)20 transactionsGenerate QR →
WhatsApp Pay
Requires mobile number linked to bank account.
₹1,00,000₹1,00,00020 transactionsGenerate QR →

NPCI Higher Limit Categories (up to ₹5,00,000 / day)

NPCI permits increased daily transaction limits up to ₹5,00,000 for specific merchant VPAs in approved categories:

Hospitals & Healthcare Medical billing, surgeries, and clinic payments.
Educational Institutions School, college, and university tuition fees.
Capital Markets & IPOs Stock broker funds and IPO subscriptions.

Physical Display

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Paytm QR Generator

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Donation QR Generator

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BHIM UPI QR Generator

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WhatsApp Pay QR Generator

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Amazon Pay QR Generator

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SBI UPI QR Generator

Generate State Bank of India (SBI) UPI QR codes for retail checkouts.

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HDFC Bank UPI QR Generator

Create HDFC Bank compatible UPI payment posters for invoicing.

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ICICI Bank UPI QR Generator

Generate ICICI Bank compatible UPI billing QR codes.

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Axis Bank UPI QR Generator

Create Axis Bank compatible UPI payment posters and counter standees.

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Kotak Bank UPI QR Generator

Generate Kotak Mahindra Bank compatible UPI payment QR codes.

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PNB UPI QR Generator

Create Punjab National Bank compatible UPI collection QRs for business.

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Canara Bank UPI QR Generator

Generate Canara Bank compatible payment QR codes for local stores.

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Bank of Baroda QR Generator

Build Bank of Baroda UPI payment posters and standee cards.

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IndusInd Bank QR Generator

Create IndusInd Bank compatible UPI payment QR codes.

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Union Bank UPI QR Generator

Generate Union Bank of India UPI billing and collection QR codes.

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Kirana Shop UPI QR Generator

Generate counter-ready UPI QR posters for grocery stores and local shops.

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Taxi & Auto UPI QR Generator

Create scan-to-pay payment posters for cab drivers, auto rickshaws & transit.

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Freelance Payment QR Generator

Generate zero-fee payment QRs for client invoices and remote work billing.

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Restaurant & Cafe QR Generator

Build table tent payment QRs for cafes, restaurants, and cloud kitchens.

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IDFC FIRST Bank QR Generator

Create IDFC FIRST Bank compatible UPI payment posters and QR cards.

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IDBI Bank UPI QR Generator

Generate IDBI Bank compatible UPI payment collection QRs.

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Yes Bank UPI QR Generator

Create Yes Bank compatible payment QR posters for merchants.

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RBL Bank UPI QR Generator

Generate RBL Bank compatible payment QR codes for checkout counters.

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Central Bank UPI QR Generator

Build Central Bank of India compatible UPI payment posters.

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Gym & Fitness UPI QR Generator

Create membership fee & trainer payment QRs for fitness studios.

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Salon & Spa UPI QR Generator

Generate beauty salon and spa billing payment QRs for front desks.

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Parking Lot UPI QR Generator

Build rapid scan-to-pay parking fee posters for valet & vehicle lots.

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Temple & NGO Donation QR Generator

Generate zero-commission donation QRs for temples, trusts, and NGOs.

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