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

Unified Payments Interface (UPI) is a unique innovation by the National Payments Corporation of India (NPCI) that enables seamless money transfers across bank accounts. HDFC Bank customers can access UPI services by registering as per the guidelines. However, UPI transactions come with certain limits, restricting further transactions once exceeded.

• Daily Limit: ₹1,00,000 or up to 20 transactions within 24 hours.
• New Users: Capped at ₹5,000 for the first 24 hours post-registration.
• IPO Applications: Up to ₹5,00,000 per transaction.
• Merchant Transactions: Up to ₹2,00,000 per transaction for categories like capital markets and insurance
• Monthly & Yearly Limits: No specific monthly or yearly UPI transaction limits are imposed by HDFC Bank. However, daily limits apply cumulatively. 
• Transaction Charges: HDFC Bank does not levy charges on UPI transactions for its customers. However, starting April 2023, a 1.1% interchange fee applies to UPI transactions exceeding ₹2,000 made through Prepaid Payment Instruments (PPIs). This fee is applicable to merchants only and does not affect customers.

Read on to learn about the HDFC UPI limit and ensure a smooth, hassle-free transaction experience. 

HDFC UPI Limit

UPI transactions are setting new benchmarks in India, thanks to their simplicity and efficiency. To regulate this growing digital payment ecosystem, the National Payments Corporation of India (NPCI) has set a daily transfer limit of ₹1 lakh per individual.

However, HDFC Bank has specific UPI transaction limits for its customers, which may differ from NPCI's guidelines. Understanding these limits is essential for seamless and uninterrupted transactions.

HDFC UPI Transaction Limit

The HDFC UPI transaction limit is ₹1 lakh 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.

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

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 lakh, 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 lakh for specific transactions like educational fees and hospital bills.

UPI continues to revolutionize 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?