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

Updated on: Apr 23rd, 2025

3 min read

The SBI UPI transaction limit helps customers manage their spending while promoting secure digital payments. As of 2025, the UPI limit per day in SBI is ₹1,00,000, with a cap on the number of daily transactions. This applies to all UPI apps linked with an SBI account. Whether transferring funds or paying merchants, users must comply with the SBI UPI limit set by the bank.

In this guide, learn the official SBI UPI transaction limit per day, steps to change your limit, and important updates related to UPI transaction limits in SBI.

What is the SBI UPI 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?

The SBI UPI per transaction limit for its customers is ₹1,00,000. Regardless of the UPI payment application you are using, as an SBI customer, you cannot spend beyond this limit. It is important to note that these limits are subject to change by the bank. Therefore, customers need to stay updated with the rules and regulations SBI set to stay on the same page regarding the SBI UPI limit.

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 them in future.

What is SBI UPI Transaction Limit and Charges?

There are no additional charges applicable to the SBI UPI transaction limit.

What is the SBI UPI Transaction Limit Per Year?

State Bank of India has not mentioned any yearly transaction limit for UPI payments for its customers.

How to Increase UPI Limit in SBI?

The maximum SBI UPI transaction limit is ₹1,00,000. You can personalise this 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 UPI Transaction Limit in SBI?

While the maximum UPI transaction limit is set at ₹1,00,000, customers can choose to set a lower limit for their transactions to manage their finances better. Here's how to adjust your UPI transaction 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.

In order to help its customers maintain good financial health, the State Bank of India has set a UPI transaction limit. This should help you plan your daily finances and closely monitor your UPI transactions. However, the SBI UPI Limit is subject to periodic changes. Therefore, you must stay up-to-date with the limits at all times for convenience.

Other UPI Articles:
1. HDFC UPI Limit - How To Increase UPI Transaction Limit In HDFC?

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Frequently Asked Questions

Are there any charges for using SBI UPI?

No, there are no additional charges for using SBI UPI transactions.

What is the SBI UPI transaction limit exceeded error?

If you receive the message SBI UPI Transaction Limit Exceeded Error, it means you have reached your daily UPI transaction limit and can no longer access it for the day.

What is the SBI UPI transaction limit per day through Google Pay?

The SBI UPI limit for Google Pay per day is Rs.1,00,000.

What is the SBI UPI transaction limit per day through PhonePe?

The SBI UPI transaction limit for PhonePe per day is Rs.1,00,000.

What is the SBI UPI transaction limit per day for Paytm?

The daily SBI UPI limit for Paytm is Rs.1,00,000.

What is the SBI zero balance account UPI transaction limit?

The UPI transaction limit for the SBI Zero Balance account is similar to other savings accounts, which is Rs.1,00,000.

What is the maximum number of transactions I can make using SBI UPI per day?

You can make 10 transactions daily using SBI UPI. This information is subject to change; therefore, consider keeping an eye out for the updated limit regarding SBI UPI transactions.

Is there a limit on the amount of money I can transfer in a single transaction using SBI UPI?

No, there is no specific limit for a single transaction using SBI UPI.

What is the difference between the daily transaction limit and the maximum transaction limit for SBI UPI?

The daily transaction limit for SBI UPI refers to the maximum amount you can spend for the day, after which you cannot conduct any UPI transaction for that day. However, the maximum limit can refer to any amount after which you cannot conduct any UPI transaction, whether monthly or annually.

Why is there a limit on the amount of money I can transfer using SBI UPI?

State Bank of India has set a limit on UPI transactions to prevent its customers from getting into reckless spending habits. With this, the bank helps customers spend wisely with UPI apps and maintain good financial health.

What should I do if I exceed my daily transaction limit for SBI UPI?

In case you exceed your daily transaction limit, you will not be able to transfer money using any UPI application. In such instances, consider opting for other payment modes like net banking, card or cash payment.

What should I do if I have any questions or problems with SBI UPI?

For any queries or issues regarding SBI UPI limit, you can visit the website https://crcf.sbi.co.in/ccf/. You can also contact the UPI department of SBI by sending an email to support.upi@sbi.co.in. You can also call the customer care number 1800 112 211 or at 080 2659990.

Why my SBI UPI limit is Rs.5,000?

National Payment Corporation of India sets the UPI transaction limit to Rs.5,000 for all UPI users. You can use the SBI online banking app to set a new UPI transaction limit of up to Rs.1,00,000.

About the Author

Mayashree Acharya

Senior Content Writer

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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