UPI Payment Limit: UPI rules have changed from today, now you can make payments up to Rs 10 lakh

UPI Payment Limit: National Payments Corporation of India (NPCI) has made significant changes in the rules related to Unified Payments Interface (UPI). These changes have come into effect from September 15, 2025, under which users will now be able to make payments of up to Rs 10 lakh per day in certain categories. Earlier this limit was Rs 2 lakh. Apart from this, the limit for buying jewelery has also been increased. Let us understand these new rules in detail and know how much limit has been fixed in which category.

Impact of changes in UPI

These changes will have a direct impact on common people, merchants, and various sectors like jewelry purchase, credit card payment, and travel booking. However, it is important to note that the limit of all types of payments has not changed. In particular, the limit for person-to-person (P2P) payment will remain at Rs 1 lakh as before.

What is Person-to-Person (P2P) and Person-to-Merchant (P2M)?

Person-to-Merchant (P2M): When a person makes a payment to a merchant, such as a shopkeeper, online store, or service provider. Its daily limit was earlier Rs 2 lakh, which has now increased to Rs 10 lakh.

Person-to-Person (P2P): When a person sends money directly to another person. Its limit was earlier also Rs 1 lakh and will remain the same.

New limit: How much change in which category?

Under the new rules, the payment limit has been increased in some special categories. The table below has details of these:

Jewellery purchase

Per transaction: Rs 2 lakh (earlier Rs 1 lakh)

In 24 hours: Rs 6 lakh

Now you can pay more amount to buy jewellery through UPI.

Travel Bookings

Per transaction: Rs 5 lakh

In 24 hours: Rs 10 lakh

You can now easily make large amount payments through UPI for flight, train, or other travel-related bookings.

Loan Repayments

Per transaction: Rs 5 lakh

In 24 hours: Rs 10 lakh

This new limit will apply to collections like loan repayments.

Capital Market (Stock Market/Mutual Funds)

Per transaction: Rs 5 lakh

In 24 hours: Rs 10 lakh

This limit has been increased for investment-related payments.

Credit Card Payments

Per transaction: Rs 5 lakh (earlier Rs 2 lakh)

In 24 hours: Rs 6 lakh

Credit card bill payments will now be easier and more flexible than before.

Insurance premium

Per transaction: Rs 5 lakh

In 24 hours: Rs 10 lakh

A new limit has also been imposed for insurance premium payments.

Digital account opening

Per transaction: Rs 5 lakh

This limit has been set for depositing initial funds in digital accounts.

What do these changes mean?

These new rules are a big step towards making digital payments more convenient and flexible. Notably, large transactions like jewellery purchases, travel bookings, and investments will now be easily done through UPI. However, there is no change in the limit for person-to-person payments, which means that the same precautions will have to be taken for personal transactions as before.