UPI Transaction Limit – HDFC, SBI, ICICI, Axis & Other Banks

Launched in 2016, UPI or Unified Payment Interface, is a real-time payment system that facilitates the seamless transfer of money from one bank account to another through smartphones. It is the most popular and convenient method of making online payments that has been introduced by the National Payments Corporation of India (NPCI) with an aim to achieve a cashless economy. You must already be familiar with UPI when it comes to online payments. However, most of us are not aware of the transaction limit that comes with it. In this blog, we will walk you through the UPI transaction limit and other related details you need to know.

What is the UPI Transaction Limit?

As per the guidelines of NPCI, there are certain UPI transaction limits that an individual has to adhere to while making online payments in India. Generally, the maximum amount of online payments made through UPI in a day is capped at ₹1 lakh for most banks. However, this maximum limit varies for different banks, ranging between ₹25,000 and ₹1 lakh. Moreover, there are some banks that have set a weekly or monthly transfer limit instead of daily limits.

Bank UPI Transaction Limit

S.NoBank NameBank TypeSponsor BankUPI Transaction LimitUPI Daily Limit
1Assam Gramin VIkash BankRRBUnited Bank of India5,00025,000
2DCB BankPrivateNA5,0005,000
3Maharashtra State Co-Op BankCooperativeNA5,00050,000
4Paschim Banga Gramin BankRRBUCO5,00025,000
5The Municipal Co-Op Bank LtdCooperativeNA5,00050,000
6Andhra Pragathi Grameena BankRRBNA10,00020,000
7Bank of IndiaPublic Sector BankNA10,000100,000
8Jana Small Finance BankSmall Finance BankNA10,00040,000
9Langpi Dehangi Rural BankRRBSBI10,000100,000
10Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)RRBSBI10,00025,000
11Manipur Rural BankRRBSBI10,00010,000
12Prathama BankRRBNA10,00050,000
13Punjab and Sind BankPublic Sector BankNA10,00010,000
14Punjab Gramin BankRRBPNB10,00025,000
15Syndicate BankPublic Sector BankNA10,000100,000
16Telangana State Co-Operative Apex BankCooperativeIDBI10,000100,000
17The Cosmos Co-Operative Bank LTDCooperativeNA10,00050,000
18The Ahmedabad District Co-Operative Bank LtdCooperativeGSCB10,00025,000
19The Andhra Pradesh State Co-OperativeCooperativeNA10,000100,000
20The Malad Sahakari Bank LtdCooperativePMCO10,00050,000
21The SVC Co-Operative Bank LtdCooperativeNA10,00020,000
22Tripura Gramin BankRRBSBI10,00010,000
23The Baroda Central Co-Operative Bank LtdCooperativeGSCB15,000100,000
24Allahabad UP Gramin BankRRBAllahabad20,00040,000
25Bassein Catholic Co-Op BankCooperativeNA20,00040,000
26J&K Grameen BankRRBJ&K20,00020,000
27Jammu & Kashmir BankPrivateNA20,00020,000
28Kerala Gramin BankRRBNA20,00020,000
29NKGSB Co-Op. Bank LtdCooperativeNA20,00040,000
30Pragathi Krishna Gramin BankRRBNA20,00020,000
31Saurashtra Gramin BankRRBSBI20,000100,000
32The Nainital Bank LtdPrivateNA20,00040,000
33The Urban Cooperative Bank Ltd DharangaonCooperativeICICI Bank20,00025,000
34The Varachha Co-Op Bank LtdCooperativeNA20,00040,000
35The Vijay Cooperative Bank LtdCooperativeICIC Bank20,000200,000
36Vananchal Gramin BankRRBSBI20,00020,000
37Abhyudaya Co-Operative BankCooperativeNA25,00025,000
38Allahabad BankPublic Sector BankNA25,000100,000
39Andhra Pradesh Grameena Vikas BankRRBSBI25,000100,000
40Bank Of BarodaPublic Sector BankNA25,000Not set
41Baroda Gujarat Gramin BankRRBBank of Baroda25,000Not set
42Baroda Rajasthan Kshetriya Gramin BankRRBBOB25,00025,000
43Baroda Uttar Pradesh Gramin BankRRBBank of Baroda25,00025,000
44Bhilwara Urban Co Operative Bank LTDCooperativeHDFC25,00025,000
45Chaitanya Godavari Grameena BankRRBAndhra Bank25,000100,000
46Chhattisgarh Rajya Gramin BankRRBSBI25,000100,000
47Equitas Small Finance BankSmall Finance BankNA25,000100,000
48India Post Payment BankPayments BankNA25,00050,000
49Kallappanna Awade Ichalkaranji Janata Sahakari Bank LtdCooperativeNA25,000200,000
50Karnataka Vikas Grameena BankRRBNA25,00025,000
51Kaveri Grameena BankRRBSBI25,00025,000
52Madhya Bihar Gramin BankRRBPNB25,000100,000
53Maharashtra Grameen BankRRBBOM25,000100,000
54Mizoram Rural BankRRBSBI25,000100,000
55Punjab National BankPublic Sector BankNA25,00050,000
56Purvanchal BankRRBSBI25,000100,000
57Rajasthan Marudhara Gramin BankRRBSBI25,00025,000
58Telangana Gramin BankRRBSBI25,000100,000
59The A.P. Mahesh Co-Operative Urban BankCooperativeNA25,00025,000
60The Mahanagar Co-Op. Bank LtdCooperativeNA25,00050,000
61The Ratnakar Bank LimitedPrivateNA25,00025,000
62The Surat People’s Co-Op. Bank LtdCooperativeNA25,000100,000
63United Bank of IndiaPublic Sector BankNA25,00060,000
64Uttarakhand Gramin BankRRBSBI25,000100,000
65Vijaya BankPublic Sector BankNA25,00050,000
66Adarsh Co-Op Bank LtdCooperativeHDFC Bank50,00050,000
67COASTAL LOCAL AREA BANK LTDCooperativeBOM50,000100,000
68Corporation BankPublic Sector BankNA50,000100,000
69Himachal Pradesh Gramin BankRRBPNB50,00050,000
70Indian Overseas BankPublic Sector BankNA50,000100,000
71Sarva Haryana Gramin BankRRBPNB50,000100,000
72Sarva UP Gramin BankRRBPNB50,000100,000
73The Gujarat State Co-Operative Bank LimitedCooperativeNA50,000100,000
74Ujjivan Small Finance Bank LimitedSmall Finance BankNA50,000100,000
75Aditya Birla Idea Payments BankPayments BankNA100,000100,000
76Andhra BankPublic Sector BankNA100,000100,000
77Apna Sahakari BankCooperativeNA100,000100,000
78Axis BankPrivateNA100,000100,000
79Bandhan BankPrivateNA100,000100,000
80Bank of MaharashtraPublic Sector BankNA100,000100,000
81Canara BankPublic Sector BankNA100,000100,000
82Catholic Syrian BankPrivateNA100,000100,000
83Central Bank of IndiaPublic Sector BankNA100,000100,000
84Citibank RetailForeign BankNA100,000100,000
85City Union BankPrivateNA100,000100,000
86DBS Digi BankForeign BankNA100,000100,000
87Dena BankPublic Sector BankNA100,000100,000
88Dhanlaxmi Bank LtdPrivateNA100,000100,000
89Dombivali Nagrik Sahakari BankCooperativeNA100,000100,000
90ESAF Small Finance BankSmall Finance BankNA100,000100,000
91Federal BankPrivateNA100,000100,000
92FINO Payments BankPayments BankNA100,000100,000
93G P Parsik BankCooperativeNA100,000100,000
94HSBCForeign BankNA100,000100,000
95Hutatma Sahakari Bank LtdCooperativeICIC Bank100,000No limit
96IDBI BankPublic Sector BankNA100,000100,000
98Indian BankPublic Sector BankNA100,000100,000
99IndusInd BankPrivateNA100,000100,000
100Jalgaona Janata Sahkari BankCooperativeNA100,000100,000
101Janta Sahakari Bank PuneCooperativeNA100,000100,000
102Jio Payments BankPayments BankNA100,000100,000
103Karnataka BankPrivateNA100,000200,000
104Karur Vysaya BankPrivateNA100,000100,000
105Kashi Gomti Samyut Gramin BankRRBNA100,000100,000
106Kotak Mahindra BankPrivateNA100,000100,000
107Maratha Co-Op BankCooperativeNA100,000100,000
108Meghalaya Rural BankForeign BankSBI100,000100,000
109Oriental Bank of CommercePublic Sector BankNA100,000100,000
110Paytm Payments BankPayments BankNA100,000100,000
111Punjab and Maharastra Co-Op BankCooperativeNA100,000100,000
112Rajkot Nagari Sahakari Bank LtdCooperativeNA100,000100,000
113Samruddhi Co-Op Bank LtdCooperativeTJSB100,000100,000
114Shree Kadi Nagarik Sahakari Bank LtdCooperativeYes Bank100,000100,000
115South Indian BankPrivateNA100,000100,000
116Standard CharteredForeign BankNA100,000100,000
117State Bank of IndiaPublic Sector BankNA100,000100,000
118Suco Souharda Sahakari BankCooperativeICICI Bank100,000100,000
119Suryoday Small Finance Bank LtdSmall Finance BankNA100,000100,000
120Suvarnayug Sahakari Bank LtdCooperativeHDFC100,000100,000
121Tamilnadu Mercantile BankPrivateNA100,000100,000
122Thane Bharat Sahakari BankCooperativeNA100,000100,000
123The Ahmedabad Mercantile Co-Op Bank LtdCooperativeHDFC Bank100,000100,000
124The Hasti Co-operative Bank LtdCooperativeNA100,000100,000
125The Kalyan Janta Sahkari BankCooperativeNA100,000100,000
126The Lakshmi Vilas Bank LimitedPrivateNA100,000100,000
127The Mehsana Urban Co-Operative BankCooperativeNA100,000100,000
128The Muslim Co-Operative Bank LtdCooperativeHDFC100,000100,000
129The Saraswat Co-Operative BankCooperativeNA100,000100,000
130The Sutex Co-Op BankCooperativeICIC Bank100,000100,000
131The Thane Janta Sahakari Bank Ltd (TJSB)CooperativeNA100,000100,000
132The Udaipur Mahila Samridhi Urban Co-Op Bank LtdCooperativeICIC Bank100,000100,000
133The Udaipur Mahila Urban Co-Op Bank LtdCooperativeNA100,000100,000
134The Vishweshwar Sahakari Bank LtdCooperativeNA100,000100,000
135UCO BankPublic Sector BankNA100,000100,000
136Union Bank of IndiaPublic Sector BankNA100,000200,000
137Vasai Vikas Co-Op Bank LtdCooperativeNA100,000100,000
138YES BankPrivateNA100,000100,000
139Airtel Payments BankPayments BankNA100,000100,000
140ICICI BankPrivateNA10,000
(25,000 for Google Pay users)
(25,000 for Google Pay users)
(5,000 for new customers)
142Bihar Gramin BankRRBUCOMergerd with DBGBNA
143Deutsche Bank AG (Web Collect)Foreign BankNANANA
144Dena Gujarat Gramin BankRRBDenaNA (Merged)NA

PhonePe UPI Transaction Limit Per Day

Let’s take a look at the current PhonePe limit per day imposed for making UPI payments as per the NPCI guidelines.

  • The maximum amount of payment that can be made through PhonePe UPI is ₹1 lakh in a day.
  • A person can only make 20 transactions per day through PhonePe UPI.

PayTm UPI Transaction Limit Per Day

Here is a rundown of the UPI limit per day that you need to adhere to if you use PayTm for online transactions.

  • The maximum UPI transaction limit in the case of PayTm is ₹1 lakh per day. Moreover, it only allows a maximum payment of ₹20,000 an hour.
  • An individual can only make 5 transactions in an hour and overall 20 transactions in 24 hours with PayTm.

UPI Lite Limit Per Day

Let’s go through the transaction limits of UPI Lite per day.

  • UPI Lite has a maximum cumulative UPI transaction limit per day of ₹4,000.
  • With UPI Lite, you can make online transactions as many times as you need in a day since there is no maximum limit.

Google Pay UPI Transaction Limit Per Day

Here are the details related to Google Pay UPI transaction limit per day, owing to the regulations of NPCI.

  • In the case of Google Pay UPI, an individual cannot transfer an amount more than ₹1 lakh in a day.
  • An individual cannot use Google Pay UPI to make online payments more than 10 times a day.


The UPI transaction limit varies for different banks and payment portals and is subject to change as per new regulations or guidelines issued by NPCI. Therefore, make sure to verify such limits before making an online payment in order to ensure a hassle-free transaction process.


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