PhonePe Transaction Limit 2026 - PhonePe Limit Per Day for SBI, HDFC and Other Banks

If regular high-value transactions are conducted, knowing the PhonePe transaction limit is essential. Extending limits excessively may cause operational flags with the linked bank account. The standard PhonePe transaction limit per day is ₹1,00,000 with a maximum of 20 UPI transfers within a rolling 24-hour window.

Key Highlights:

• Daily Limit: The standard PhonePe transaction limit is ₹1,00,000 per day for UPI payments.
• Transaction Count: Up to 20 successful UPI transactions are allowed within a rolling 24-hour period.
• Rolling Window: Limits are calculated over a rolling 24-hour cycle, not reset at midnight.
• New User Restriction: Newly added bank accounts or recently changed UPI PINs have a ₹5,000 limit for the first 24 hours.
• Higher Limits for Select Payments: Transactions for taxes, healthcare, education, and insurance premiums can go up to ₹5,00,000 per transaction.

PhonePe Limit per Day

The standard PhonePe transaction limit per day is ₹1,00,000 for standard peer-to-peer (P2P) and retail merchant payments. The PhonePe transaction limit works on a rolling 24-hour basis and does not reset at midnight. Users can make up to 20 transactions within this period. Once the limit is reached, they must wait 24 hours after the last successful transaction before making new payments. Collect requests can go up to ₹2,00,000, subject to bank support.

How to Change PhonePe Limit per Day?

PhonePe cannot increase or modify the PhonePe transaction limit. UPI transaction limits are set by the NPCI, while individual banks determine the final daily transfer limits for their customers. The following avenues exist to address limit restrictions:

i. Contact Your Bank

To change the Phone Pe Transaction Limit, contact the Bank’s Customer Care or change the Phone Pe Transaction Limit using the net banking portal or mobile banking applications. Another option includes visiting the Bank and update the limit. Based on the account type and risk profile, the Phone Pe Transaction Limit can be changed 

ii. Complete the KYC Process 

To increase the PhonePe app’s daily limit, complete the full KYC process by providing documents such as PAN Card, Aadhar Card, address proof, etc. Once, the KYC is completed, transfer a maximum of ₹10,000. 

Note: Customers cannot increase the limit above the mark set by NPCI.

PhonePe Transaction Limit for Different Banks

The table shows PhonePe transaction limit for different banks:

PhonePe Transaction Limit for Business

Verified PhonePe business accounts do not have daily transaction limits for receiving payments. Funds are securely settled into the merchant's registered bank account, and businesses with valid documents, such as a PAN card or GST certificate, can accept high transaction volumes without consumer-level restrictions.

PhonePe Money Transfer Limit for Wallet

PhonePe wallet limits depend on KYC status. Minimum KYC users can maintain a balance of up to ₹10,000, while fully verified users can load up to ₹2,00,000. Separately, UPI Lite allows payments of up to ₹1,000 per transaction with a maximum balance of ₹5,000, operating independently of the standard ₹1,00,000 daily UPI limit.

Final Word

Monitoring your PhonePe daily transaction limit helps ensure smooth payments. While transactions up to ₹1,00,000 are generally allowed, repeatedly hitting the maximum limit may trigger fraud checks by your bank. Additionally, features such as balance enquiries are limited to 50 requests per day per app to maintain network efficiency. 

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