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HDFC UPI Limit - How To Increase UPI Transaction Limit In HDFC?
HDFC UPI limit rules determine how much you can transfer per day through any UPI app linked to your HDFC Bank account. Whether you use GPay, PhonePe, Paytm or PayZapp, the same HDFC UPI limit applies. This guide explains the UPI limit per day in HDFC, what new users should know, and how to increase UPI limit in HDFC under the latest UPI guidelines.
Key Highlights
- UPI limit per day with HDFC is Rs. 1,00,000 or up to 20 transactions in 24 hours.
- New HDFC UPI users have a Rs. 5,000 limit for the first 24 hours after registration.
- Merchant payments can go up to Rs. 10,00,000 per transaction for capital markets and insurance categories.
- No specific monthly or yearly UPI transaction limits are imposed by HDFC Bank
- HDFC Bank does not levy charges on UPI transactions for its customers
What is HDFC UPI Limit?
The National Payments Corporation of India (NPCI) regulates the UPI transactions and has set a daily transfer limit of Rs. 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 Transactions | Maximum 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, IPO application, etc.) | Rs. 5 lakh/transaction |
What is UPI Limit Per Day in HDFC?
The HDFC UPI transaction limit is Rs. 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 Rs. 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.
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?
HDFC Bank sets a daily UPI transaction limit of Rs. 1,00,000, while new users are limited to Rs. 5,000 for the first 24 hours post-registration. These HDFC UPI limits cannot be manually increased. However, the RBI recently announced an increased UPI limit of Rs. 5,00,000 for specific transactions like educational fees, hospital bills and capital markets.
Final Word
The HDFC UPI limit helps ensure secure and uninterrupted digital payments. While the daily UPI limit per day in HDFC is capped at Rs. 1,00,000, certain categories allow higher limits as per RBI guidelines. Staying updated on how to increase UPI limit in HDFC ensures smooth and hassle-free UPI transactions across all apps.
Other UPI Articles:
1. SBI UPI Limit - How To Increase UPI Transaction Limit In SBI?
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About the Author
Mayashree Acharya
I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more
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