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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 →

Limits reviewed 2026-08-27. Based on NPCI circulars and individual bank disclosures. Confirm against your bank's latest website.

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 & HealthcareMedical billing, surgeries, and clinic payments.
Educational InstitutionsSchool, college, and university tuition fees.
Capital Markets & IPOsStock broker funds and IPO subscriptions.

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