SBI UPI Limit - How To Increase UPI Transaction Limit In SBI?
SBI UPI limit ensures safe and convenient digital payments for customers. The SBI UPI transaction limit applies across all UPI apps linked to an SBI account. Customers can adjust their preferred SBI UPI transaction limit in the SBI YONO app but cannot exceed the bank’s maximum cap.
Key Highlights:
- SBI UPI Limit per Transaction: ₹1,00,000.
- SBI UPI Transaction Limit per Day: ₹1,00,000.
- Transactions per Day: Up to 20 for person-to-person (P2P); no cap for person-to-merchant (P2M) within the ₹1,00,000 daily cap.
- New Users/Reset PIN: Limited to ₹5,000 for the first 24 hours (Android) or 5 days (iOS).
- SBI UPI Transaction Limit per Month: No official monthly or yearly transaction cap announced by SBI.
What is the SBI UPI Transaction Limit?
As of April 2025, the State Bank of India (SBI) has set the following Unified Payments Interface (UPI) transaction limits for its customers:
- Per Transaction Limit: ₹1,00,000
- Daily Transaction Limit: ₹1,00,000
- Number of Transactions per Day: Up to 20 transactions for person-to-person (P2P) transfers. There is no specified limit on the number of person-to-merchant (P2M) transactions within the ₹1,00,000 daily cap.
For new users or those who have recently reset their UPI PIN, the transaction limit is restricted to ₹5,000 per transaction and a cumulative limit of ₹5,000 for the first 24 hours on Android devices and for the first 5 days on iOS devices.
What is the SBI UPI Transaction Limit per Month?
As per SBI’s recent update, there is no specific SBI UPI transaction limit per month. However, these are subject to changes; therefore, you must keep an eye out for updated information regarding the SBI UPI limit in future.
What is the SBI UPI Limit and Charges?
SBI's standard UPI transaction limit is ₹1,00,000 per transaction and per day, with a cap of 20 person-to-person (P2P) transactions daily. New users or those who recently added their account or changed their UPI PIN face a restricted initial limit of ₹5,000 for the first 24 hours. SBI does not charge fees for UPI transactions, aligning with the general practice for UPI payments in India.
What is the SBI UPI Transaction Limit Per Year?
There is no specific annual SBI UPI transaction limit as the bank does not set a yearly cap on your UPI transactions. However, SBI enforces a daily UPI transaction limit of ₹1,00,000. You can set a lower UPI transaction amount through the SBI YONO app, but you cannot increase it beyond the bank's set maximum transaction limit. You also cannot carryforward the previous day’s unutilised limit.
How to Increase UPI Limit in SBI?
The maximum SBI UPI transaction limit is ₹1,00,000. You can personalise this SBI UPI limit to suit your financial planning through the SBI YONO application. However, you cannot increase this limit beyond ₹1,00,000, which the bank authorities have set for UPI transactions.
How to Change SBI UPI Transaction Limit?
While the maximum SBI UPI transaction limit is set at ₹1,00,000, customers can opt to set a lower limit for their transactions to better manage their finances. Here's how to adjust your SBI UPI limit using the SBI YONO app:
- Open the SBI YONO app and log in with your credentials.
- Navigate to the 'YONO Pay' section.
- Select 'BHIM UPI' and then tap on the profile icon located at the top left corner.
- Choose 'Set UPI Transaction Limit'.
- Enter your desired transaction limit (up to ₹1,00,000) and confirm.
- Authenticate the change using your internet banking password or OTP as prompted.
Conclusion
The SBI UPI limit is designed to protect customers and promote secure digital transactions. While the maximum SBI UPI transaction limit is fixed at ₹1,00,000, customers can personalise lower limits to monitor expenses. Since these rules may be revised periodically, staying updated with SBI’s latest announcements is essential for hassle-free digital banking.
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2. SBI Bank Balance Check Number
3. SBI Annuity Deposit Scheme
4. SBI Debit Card Charges
5. How to Withdraw Cash From SBI Credit Card?
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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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