PhonePe Transaction Limit 2025 - PhonePe Limit Per Day for SBI, HDFC and Other Banks
If you regularly make high-value transactions, knowing the PhonePe transaction limit per day is essential. Extending the limit regularly may cause problems with your bank account. PhonePe transaction limit per day is ₹1,00,000 with a maximum of 20 UPI transfers within 24 hours. These limits are set by NPCI and may vary depending on your bank and account type. Completing full KYC or contacting your bank can help increase your limits for smoother transactions.
PhonePe Limit per Day
The PhonePe transaction limit per day is ₹1,00,000 for every UPI user. This limit applies to a 24-hour timeline and allows a maximum of 20 transactions. If you reach the limit, you must wait 24 hours from the last transaction to make a new transfer. On the other hand, you can request a maximum amount of ₹2,000 from the PhonePe application.
How to Change PhonePe Limit per Day?
PhonePe does not handle or give options to change or increase the PhonePe transaction limit. National Payments Corporation of India (NPCI) sets the rules for UPI transfer limits, and your bank decides how much you can transfer in a single day.
Here are the options to increase the transaction limit:
Contact Your Bank
If you want to change this limit, you can contact your bank’s customer care/change it on your own using their net banking portal or mobile banking applications. Otherwise, you can visit your home branch to update the limit. Depending on your account type and risk profile, they will change it.
Complete the KYC Process
To increase the PhonePe app’s daily limit, you have to complete the full KYC process. If your account has a minimum KYC completed, you can transfer a maximum of ₹10,000. A full KYC of your account will increase the limit to ₹1,00,000. To do so, you must provide documents such as a PAN card, Aadhar card, address proof, etc. However, remember that you cannot increase the limit above the mark set by NPCI.
PhonePe Transaction Limit for Different Banks
Here is a PhonePe transaction limit for different banks:
Name of Bank | Per Transaction Limit of PhonePe (INR) | PhonePe Transaction Limit Per Day (INR) |
Aditya Birla Bank | 1,00,000 | 1,00,000 |
Airtel Payments Bank | 1,00,000 | 1,00,000 |
Andhra Bank | 1,00,000 | 1,00,000 |
Axis Bank | 1,00,000 | 1,00,000 |
Bandhan Bank | 1,00,000 | 1,00,000 |
Bank of Baroda | 25,000 | 50,000 |
Bank of India | 10,000 | 1,00,000 |
Bank of Maharashtra | 10,000 | 20,000 |
Canara Bank | 1,00,000 | 1,00,000 |
Central Bank of India | 25,000 | 50,000 |
DBS Digi Bank | 1,00,000 | 1,00,000 |
Federal Bank | 1,00,000 | 1,00,000 |
FINO Payments Bank | 1,00,000 | 1,00,000 |
HDFC Bank | 1,00,000 | 1,00,000 |
HSBC Bank | 1,00,000 | 1,00,000 |
Indian Bank | 1,00,000 | 1,00,000 |
ICICI Bank | 10,000 | 10,000 |
IDBI Bank | 25,000 | 50,000 |
IDFC First Bank | 1,00,000 | 1,00,000 |
Indian Bank | 1,00,000 | 1,00,000 |
IndusInd Bank | 1,00,000 | 1,00,000 |
Indian Overseas Bank | 50,000 | 1,00,000 |
Kotak Mahindra Bank | 25,000 | 50,000 |
Oriental Bank of Commerce | 1,00,000 | 1,00,000 |
Paytm Payments Bank | 1,00,000 | 1,00,000 |
Punjab National Bank | 1,00,000 | 1,00,000 |
South Indian Bank | 1,00,000 | 1,00,000 |
State Bank of India | 1,00,000 | 1,00,000 |
Standard Chartered Bank | 1,00,000 | 1,00,000 |
UCO Bank | 1,00,000 | 1,00,000 |
PhonePe Transaction Limit for Business
If you have a PhonePe business account, there is no limit for accepting payments, especially if you have a verified account. Instead of receiving payments directly one by one in your account, you receive a total collection amount as a single transaction.
Suppose you have any business or shop with required documents such as PAN number, GST number or any relevant document as proof of your business. This helps you to accept too many transactions in your account without such restrictions.
PhonePe Money Transfer Limit for Wallet
The limit for wallet transfer in PhonePe means how much you can send from your PhonePe wallet. The amount depends on multiple factors. With a minimum KYC, you can make a limited transaction of ₹10,000 with your PhonePe wallet. With documentation and personal details, you have to complete your full KYC. Then, you can get up to ₹2,00,000 limit per transaction and ₹4,00,000 in a single day.
You can set a custom transaction limit from the “Set Limit” option in the PhonePe application. However, the amount cannot exceed the limit set by the RBI.
Final Word
Knowing the PhonePe limit per day makes seamless transactions. Even if you are allowed to transact up to ₹1,00,000 using your PhonePe account, it is recommended that you avoid making too many UPI transactions daily. In such cases, your bank may raise concerns about fraudulent transactions, especially if you have a regular savings account. Contact the PhonePe customer support team if the issue is unresolved even after 24 hours.
Related Articles:
1. How To Transfer Money From PhonePe Wallet To Bank Account?
2. How to Delete PhonePe Transaction History Permanently?
3. PhonePe Transaction Limit Per Day in India 2025
4. How to Add Bank Account in PhonePe?
5. PhonePe Account Blocked
6. How to Check Balance in PhonePe?
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