3 min
25 April 2024

The Unified Payments Interface (UPI) has revolutionised digital payments in India. Its convenience and security make it a popular choice for everyday transactions. However, users might encounter limitations when dealing with larger payments due to the pre-set UPI transaction limit. This article explores how to increase your UPI limit across different apps.

Understanding UPI limits: balancing security and convenience

The National Payments Corporation of India (NPCI), the governing body of UPI, sets a daily transaction limit of Rs. 1 lakh for most users. However, individual banks can impose lower limits on their UPI platforms. It is crucial to check with your bank to understand your specific UPI payment limit.

Here is a breakdown of the various UPI transaction limits:

  • Individual transactions: The maximum amount you can transfer in a single UPI transaction is typically Rs. 1 lakh.
  • Daily limit: The total amount you can transfer using UPI within 24 hours is capped by your bank (usually between Rs. 1 lakh and Rs. 5 lakh).
  • Merchant transactions: For bill payments and purchases from merchants, the limit can be higher (up to Rs. 5 lakh) depending on the merchant and your bank.

Why increase your UPI limit

While the standard limits cater to most daily needs, situations might call for a higher limit:

  • Large purchases: If you frequently make high-value purchases online or offline using UPI, increasing your limit can be beneficial.
  • Bulk bill payments: Paying hefty bills like rent or property tax requires a higher limit to avoid multiple transactions.
  • Investments: Some UPI platforms allow investment transactions. A higher limit facilitates smoother investment activities.

How to increase your UPI limit: exploring different apps

The process of increasing your UPI limit can vary based on the UPI app you use. Here's a look at how it works with some popular options:

Bajaj Finserv Wallet:

Bajaj Finserv, known for its financial services, offers a user-friendly wallet with UPI integration. Here's how to increase your limit:

  1. KYC verification: Ensure your KYC (Know Your Customer) is complete. A full KYC verification typically allows for higher UPI limits.
  2. Contact customer support: Bajaj Finserv offers customer support via phone and chat. Reach out to them and request an increase in your UPI limit. They will guide you through further verification steps if necessary.

Important Note: Remember, approving limit increases depends on your bank's policies and your past transaction history. Banks might require additional verification or may not approve the request depending on their risk assessment.

The Bajaj Finserv BBPS platform is your one-stop destination for all your bill payment needs. Seamlessly manage payments for a wide range of services, from electricity and water bills to insurance premiums and loan EMIs, using a variety of digital payment options, including UPI, debit/credit cards, and net banking. Experience the convenience and security of the Bajaj Finserv BBPS platform and take control of your financial obligations with ease.

Additional tips for safe and secure UPI transactions

While increasing your UPI limit offers greater flexibility, security remains paramount. Here are some additional tips for keeping your transactions safe:

  • Never share your UPI PIN: Your UPI PIN is as crucial as your ATM PIN. Never share it with anyone, not even bank representatives.
  • Beware of phishing scams: Be cautious of emails or messages asking for your UPI PIN or other sensitive information. Legitimate institutions will never ask for such details through these channels.
  • Verify merchant details: Before initiating a transaction, double-check the merchant's UPI ID and ensure it matches the intended recipient.
  • Use strong passwords: Create strong and unique passwords for your UPI app and linked bank account.


By understanding your UPI limit and exploring ways to increase it responsibly, you can unlock the full potential of digital payments. Bajaj Finserv Wallet, along with other popular UPI apps, offer convenient options for managing your finances. Remember, prioritize security by following best practices and enjoy the ease and convenience of UPI transactions.


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Frequently asked questions

How many UPI transactions per day?

The number of UPI transactions you can do per day depends on two factors:

NPCI limit: The National Payments Corporation of India (NPCI), which governs UPI, sets a general daily limit of Rs. 1,00,000 (one lakh).

Your bank's limit: Individual banks can set their own lower daily limits for UPI transactions on your account. This could be anywhere between Rs. 25,000 and Rs. 1,00,000.

Can I transfer Rs. 5 lakh through UPI?

In most cases, you cannot transfer Rs. 5 lakh through UPI. The standard UPI transaction limit is capped at Rs. 1 lakh per transaction.

However, there are exceptions:

Specific categories: UPI allows transfers of up to Rs. 5 lakh for payments to verified merchants in specific categories like hospitals and educational institutions.

Other categories: Some other categories like capital markets (investments) may have higher limits (up to Rs. 2 lakh).

To confirm if your transfer qualifies for a higher limit:

Check if the recipient is a verified merchant in the healthcare or education sector.

Look into the category of the transaction (if it is not for merchants).