UPI Transaction Limit Per Day, Monthly & Per Transaction in 2026

As per National Payments Corporation of India (NPCI) guidelines, the standard UPI transaction limit per day is ₹1 lakh, with higher limits allowed for specific categories like investments, insurance, and education. Banks and apps may set additional limits within this framework. 

UPI Transaction Limit Per Day

The UPI transaction limit per day is generally ₹1 lakh for most users. This applies to standard peer-to-peer (P2P) and merchant payments. However, banks may impose lower limits depending on risk policies and user profiles.

For high-value categories such as investments and insurance, the maximum UPI transaction limit can go up to ₹10 lakh per day.

UPI Transaction Limit Per Month

There is no fixed UPI transaction limit per month defined by NPCI. However, some banks may impose monthly caps based on internal policies, transaction patterns, or fraud prevention measures.

UPI Transaction Limit Per Year

NPCI does not prescribe a UPI transaction limit per year. Annual limits, if any, depend on bank-specific rules or regulatory reporting thresholds.

UPI Limits for Special Transaction Categories

NPCI has introduced higher UPI transaction limits for specific use cases where large-value payments are common. These limits apply only to eligible transactions and verified merchant categories.

Capital Markets & Insurance

The UPI transaction limit for capital market investments (such as IPOs, mutual funds, and trading accounts) and insurance payments has been increased to ₹5 lakh per transaction, with a maximum daily aggregate limit of ₹10 lakh.

Education & Healthcare

For verified merchants in education (such as schools, colleges, and universities) and healthcare (such as hospitals and medical institutions), the UPI daily transaction limit can extend up to ₹10 lakh.

UPI 123Pay

UPI 123Pay allows users to make UPI payments without a smartphone or internet connection. The per transaction limit for UPI 123Pay is ₹10,000.

Bank-Wise UPI Daily Transaction Limit

Banks set their own UPI daily transaction limit within NPCI guidelines. Limits may vary based on customer profile, risk controls, and transaction type.

UPI Transaction Limit on UPI Payment Apps

UPI payment apps follow NPCI guidelines, but they may impose additional limits on the number of transactions or usage frequency based on security and operational policies.

Note: The actual UPI transaction limit per day depends on the bank linked to the app, and app-level limits may differ slightly based on usage and security controls.

How to Check Your UPI Transaction Limit?

To check your UPI transaction limit, open your UPI app (such as BHIM, PhonePe, or Google Pay), go to account or bank settings, and view the transaction limit section. You can also contact your bank or check their official website for exact limits.

Final Word

The UPI transaction limit in 2026 is designed to balance convenience and security, with higher limits introduced for specific categories like investments and healthcare. Understanding these limits helps users plan transactions efficiently and avoid failures due to exceeding daily or per-transaction caps.

Also Read:
1. UPI Transaction Charges
2. How to Create and Change UPI ID?
3. How to Complaint Wrong UPI Transaction?
4. How To Do UPI Payment Without Internet?