UPI Transactions / UPI limit has increased, now you can transact this much amount in 24 hours

UPI Transactions: Usually when we send money through UPI, there is a limit of Rs 1 lakh. But now from September 15, 2025, this limit has been increased significantly for certain transactions. The National Payments Corporation of India (NPCI) has announced this change, under which transactions like paying tax, paying insurance premium, paying loan EMI, and investing in the stock market can now be paid up to Rs 10 lakh in 24 hours.

Why was this change made?

This year the last date for paying tax is 15 September 2025. Due to this, NPCI has increased the limit of tax related UPI transactions to Rs 5 lakh per transaction and Rs 10 lakh per 24 hours. This will benefit those who want to pay large amounts through UPI, but till now used to stop due to the limit.

On which transactions will the new limit apply?

These changes will apply only to P2M (Person to Merchant) transactions, i.e. when you make payment to a verified merchant such as an insurance company, brokerage firm, tax portal or bank etc. At the same time, the limit for P2P (person to person) transactions will still remain Rs 1 lakh per day.

In which categories has the limit increased?

The new limit will apply to the following categories:

• Tax Payment (MCC 9311): Now Rs 5 lakh can be given at a time and Rs 10 lakh in 24 hours through UPI.
• Insurance and Capital Market: Earlier the limit was Rs 2 lakh, now Rs 5 lakh per transaction and Rs 10 lakh per day.
• Loan EMI, B2B Collection: These also have a limit of Rs 5 lakh per transaction and Rs 10 lakh per 24 hours.
• Credit Card Bill Payment: Earlier the limit was Rs 2 lakh, now Rs 5 lakh per transaction and Rs 6 lakh daily limit.
• Foreign Exchange (FX Retail): Per transaction limit of Rs 5 lakh for foreign exchange purchase and sale as well.
• Digital Account and FD: Transaction exemption of up to Rs 5 lakh for opening digital savings account and making FD.

Will these limits apply to all banks?

NPCI has asked to apply this limit to all banks, apps and payment service providers (PSPs). However, banks have also been given the freedom to set some limits according to their internal policies. That is, it is possible that this limit may not be available immediately in any bank, but most banks will implement it from September 15.

What is the limit for IPO?

If you want to bid in IPO (Initial Public Offering) through UPI, then keep in mind that the limit here will still be Rs 5 lakh per transaction. The new limit of Rs 10 lakh will not be applicable for IPO.

Who will benefit from the change?

This change will directly benefit big traders and professionals who do tax, insurance or investment through UPI. Also, general consumers who use EMI, FD or digital services will also get convenience. This step is a big step towards making digital payments more robust and smooth.