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

By Adnan Ali

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Updated on: Jun 26th, 2024

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3 min read

Unified Payments Interface (UPI) is a unique invention by the National Payments Corporation of India (NPCI) that allows you to send and receive money from the customers of any bank account. UPI makes online transactions easy and time-saving. 

HDFC Bank's customers can also use the UPI facility once they register by following all the guidelines. However, UPI has some transaction limits, and you can not make more transactions after that. 

Keep reading this article to know everything about the HDFC UPI limit and have a hassle-free transaction experience.

HDFC UPI Limit

UPI transactions are hitting new records every month in India due to its simple money transfer concept. NPCI has created several guidelines to regulate the expansion of the digital payment ecosystem in the country. It said that an individual can transfer maximum amount of Rs.1 lakh via UPI in a day. However, HDFC Bank has specific limits for customers availing UPI transactions.

HDFC UPI Transaction Limit

The HDFC UPI transaction limit is upto Rs. 1 lakh per day or 20 transactions for Individual to individual and individual to merchant in 24 Hours. If you are a new UPI user, you can initiate a transaction of a maximum of Rs. 5,000 for the first 24 hours for Android users and 72 hours for iPhone users after registration. The limit is the same even when you are using any UPI application. 

If you have exhausted your daily transaction limit, you have to wait until the next day. Until then, you will not be able to make further transactions. 

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

UPI TransactionsMaximum Limit
P2M (Person to Merchant) or P2P (Person to Person)Rs. 1 lakh or 20 transactions/ 24 Hours

Merchant collect​​​​​​​ and Capital markets

(Such as Broking, AMC, Mutual Funds, Credit card payments, EMI, Loan repayments, etc.)​​​​​

Rs. 2 lakh/transaction
Using UPI for IPO Application Rs. 5 lakh/transaction

HDFC UPI Transaction Limit per Month

HDFC Bank has no specific limit for UPI transactions per month. However, you should follow the daily transaction limit to use your UPI in a hassle-free way. You should keep track of HDFC Bank's official site to track 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

There are no charges for UPI transactions for HDFC consumers. However, as per the new UPI guidelines, a 1.1% interchange fee is applicable for merchants for UPI transactions exceeding Rs. 2,000 made via Prepaid Payment Instruments (PPI).

How To Increase UPI Limit in HDFC?

The maximum limit is Rs. 1 lakh per day, and for new UPI users, the limit is only Rs. 5,000 for the first 24 hours from registration. This limit can not be increased. However, as per a recent notification, RBI has decided to increase the amount to Rs. 5 lakh for educational fees and hospital bill transactions.

Overall, UPI is making online transactions easy and secure for everyone around the country. Every bank has UPI limits to regulate the expanding digital payment ecosystem. HDFC Bank does not allow you to increase the limit manually. Now that you have a clear picture of HDFC Bank's UPI limit, make sure to complete transactions accordingly to avoid any hassle.

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

Other HDFC Articles:
1. HDFC NetBanking
2. HDFC Life New Immediate Annuity Plan Interest Rate and Benefits
3. HDFC Credit Card Cash Withdrawal Charges
4. How to Link Aadhaar with HDFC Bank Account Online and Offline?
5. HDFC Bank Savings Account Interest Rate & Minimum Balance
6. HDFC Bank Customer ID - How To Get/Find HDFC Customer ID?
7. HDFC Credit Card Status - HDFC Bank Credit Card Application Status
8. How to Generate HDFC Debit Card PIN
9. How To Close HDFC Bank Account Online And Offline
10. How To Activate HDFC Credit Card
11. How To Activate HDFC Debit Card
12. HDFC BANK FD Calculator
13. HDFC Bank RD Calculator
14. HDFC FD Interest Rates
15. HDFC RD Interest Rates

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Frequently Asked Questions

Are there any charges for using HDFC UPI?

No. There are no charges for using HDFC UPI. This is also applicable for bill payments using HDFC UPI.

What is “HDFC UPI transaction limit exceeded error”?

This is a normal issue if you exceed your daily UPI transaction limit. In this case, you will get this error.

What is the HDFC UPI transaction limit per day on Google Pay?

The limit is Rs. 5,000 for new users and Rs. 1 lakh or 20 transactions for old users. After that, you cannot use HDFC UPI via Google Pay until the day ends. 

What is the HDFC UPI transaction limit per day on PhonePe?

You can do a maximum of 20 transactions using the PhonePe app in a day. The total amount should not exceed Rs. 1 lakh per day.

What is the HDFC UPI transaction limit per day on Paytm?

Your per-day transaction limit is the same as instructed by the National Payments Corporation of India (NPCI). The daily limit is Rs. 1 lakh per day or 20 transactions. 

What is the HDFC zero balance account UPI transaction limit?

You can make a maximum transaction of Rs. 1 lakh with your HDFC zero balance account.

What is the maximum number of transactions I can make using HDFC UPI per day?

HDFC bank users can do a maximum of 20 transactions or Rs. 1 lakh per day (24 hours).

Is there a limit on the amount of money I can transfer in a single transaction using HDFC UPI?

Yes. The highest amount is Rs. 1 lakh, which you can transfer in a single transaction using HDFC UPI.

What is the difference between the daily transaction limit and the maximum transaction limit for HDFC UPI?

The maximum transaction limit is Rs. 1 lakh in a single transaction. However, the daily transaction is also capped at Rs. 1 lakh for HDFC UPI.

Why is there a limit on the amount of money I can transfer using HDFC UPI?

NPCI has issued the guidelines for your daily transaction limit to regulate the expanding digital payment ecosystem. All the banks must follow the rules. That's why there is a limit on the amount of money I can transfer using HDFC UPI.

What should I do if I exceed my daily transaction limit for HDFC UPI?

You cannot increase your limit even if you contact the customer support team. You have to wait until the limit resets after 24 hours. 

What should I do if I have any questions or problems with HDFC UPI?

Contact the HDFC customer care team via call at 1800-202-6161 / 1860-267-6161 or call ​​​​+9122-61606160 (if you are abroad)  in case you have any questions or problems with HDFC UPI.

Why is my HDFC UPI limit 5000?

In case you have newly registered for UPI, your limit will be Rs. 5,000 for the first 24 hours. After that time, it will be increased automatically. 

About the Author

I am a curious person, and Finance is at the top of my list of interests. With more than 5 years of experience in fintech, I am an expert in lending, investment and personal finance. I believe the Devil lies in details, so I dig a lot before writing anything and armed my writing pieces with figures and facts. Read more

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