HDFC UPI Limit - How To Increase UPI Transaction Limit In HDFC?

HDFC Bank customers can access Unified Payments Interface (UPI) services by registering as per the guidelines. However, HDFC UPI transactions come with certain limits, restricting further transactions once exceeded.

Key Highlights:

• UPI Limit per Day HDFC: ₹1,00,000 or up to 20 transactions within 24 hours.
• HDFC UPI Limit New Users: Capped at ₹5,000 for the first 24 hours post-registration.
• Merchant Transactions: Up to ₹10,00,000 per transaction for categories like capital markets and insurance
• HDFC Monthly & Yearly Limits: No specific monthly or yearly UPI transaction limits are imposed by HDFC Bank
• Transaction Charges: HDFC Bank does not levy charges on UPI transactions for its customers

HDFC UPI Limit

The National Payments Corporation of India (NPCI) regulates the UPI transactions and has set a daily transfer limit of ₹1,00,000 per individual. HDFC Bank has specific UPI transaction limit for its customers.

The table below provides the HDFC UPI limit for different scenarios:

UPI Limit Per Day in HDFC

The HDFC UPI transaction limit is ₹1,00,000 per day or 20 transactions within 24 hours for both individual-to-individual and individual-to-merchant transfers. For new UPI users, the initial limit is ₹5,000 for the first 24 hours on Android devices and 72 hours on iPhones post-registration. These limits apply regardless of the UPI app used.

If you exceed the daily transaction limit, further transactions will be blocked until the next day.

HDFC UPI Transaction Limit per Month

HDFC Bank does not impose a specific monthly limit for UPI transactions. However, adhering to the daily transaction limit ensures smooth usage. Regularly check HDFC Bank's official website to stay updated on any changes to these limits.

HDFC UPI Transaction Limit Per Year

There is no specific yearly limit of UPI transactions for HDFC customers. 

HDFC UPI Transaction Limit Change

HDFC Bank does not levy any charges on UPI transactions for its customers. However, under the new UPI guidelines, a 1.1% interchange fee applies to merchants for UPI transactions above ₹2,000 made through Prepaid Payment Instruments (PPI).

How To Increase UPI Limit in HDFC?

HDFC Bank sets a daily UPI transaction limit of ₹1,00,000, while new users are limited to ₹5,000 for the first 24 hours post-registration. These limits cannot be manually increased. However, the RBI recently announced an increased UPI limit of ₹5,00,000 for specific transactions like educational fees, hospital bills and capital markets.

UPI continues to revolutionise online transactions, making them secure and efficient. Every bank, including HDFC, enforces UPI limits to manage the expanding digital payment landscape. Ensure you stay within these limits to avoid transaction issues.

Other UPI Articles:
1. SBI UPI Limit - How To Increase UPI Transaction Limit In SBI?