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

The SBI UPI limit determines how much you can transfer per day through any UPI app linked to your SBI bank account. Users can set a lower personalised limit; the maximum cap cannot exceed SBI’s daily authorised limit.

Key Highlights:

• SBI UPI Limit per Transaction: ₹1,00,000.
• SBI UPI 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 2026, the SBI UPI transaction limits for its customers are:

• 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 reset their UPI PIN, limits are temporarily restricted to:

• Per Transaction Limit: ₹5,000 
• ₹5,000 cumulative limit for:
  • First 24 hours (Android)
  • First 5 days (iOS)

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, there is a UPI limit per day SBI of ₹1,00,000. 

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 ₹1,00,000, customers can set a lower limit to better manage their finances. Here's how to adjust your SBI UPI limit using the SBI YONO app:

Step 1: Open the SBI YONO app and log in with your credentials. Navigate to the 'YONO Pay' section, select 'BHIM UPI', and tap on the profile icon located at the top left corner.

Step 2: Choose 'Set UPI Transaction Limit', enter your desired transaction limit (up to ₹1,00,000), and confirm the change using your internet banking password or OTP as prompted.

Final Word

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. 

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