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

HDFC UPI limits define the maximum amount you can transfer daily through any UPI app linked to your HDFC Bank account. Whether you use GPay, PhonePe, Paytm, or PayZapp, the same limits apply. 

Key Highlights

• Daily Limit: Up to ₹1 lakh or 20 transactions in 24 hours.
• New User Limit: ₹5,000 cap for the first 24 hours after registration or UPI PIN reset.
• Merchant Limit: Up to ₹2 lakh per transaction for merchants, mutual funds, credit card bills, and EMIs.
• Higher Limits: Up to ₹5 lakh per transaction for IPOs, income tax, hospitals, and education fees.
• No Extra Caps: No weekly, monthly, or yearly limits, and no transaction charges by HDFC Bank.

What is 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:

What is UPI Limit Per Day in HDFC?

The HDFC UPI limit is ₹1 lakh per day or 20 transactions within 24 hours for regular transfers. New users and customers who reset their UPI PIN can transfer up to ₹5,000 during the first 24 hours. These limits apply across all UPI apps, and transactions are blocked once the daily limit is reached until the next 24-hour cycle.

What is 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 HDFC UPI limits.

What is HDFC UPI Transaction Limit Per Year?

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

What is 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 Rs. 2,000 made through Prepaid Payment Instruments (PPI).

How to Increase UPI Limit in HDFC?

The standard HDFC UPI limit of ₹1 lakh per day and the ₹5,000 limit for new users cannot be increased. However, eligible categories such as education fees, hospital payments, taxes, and IPO applications allow transactions of up to ₹5 lakh.

Final Word

The HDFC UPI limit ensures secure digital payments. While the standard daily limit is ₹1 lakh, selected categories can enjoy higher limits under NPCI guidelines.

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