Unified Payments Interface (UPI) ne Bharat me cash aur cards ko piche chhodte hue digital payment ko hamare dainik jeevan ka hissa bana diya hai. Chai ki dukan se lekar bade shopping mall tak, hum Google Pay, PhonePe, Paytm, aur BHIM app se QR code scan karke seconds me payment karte hain. Kintu kai baar bada payment karte waqt ya din me kayi transactions karne ke baad achanak screen par error aata hai: **"UPI Transaction Limit Exceeded"** ya **"Bank Limit Reached"**.

Kafi log yah samajhte hain ki sabhi banks aur apps ki limit ek jaisi hoti hai. Asal me, National Payments Corporation of India (NPCI) ki standard limit ke sath-sath **har bank ki apni alag daily transfer limit aur count limit** hoti hai. Is complete guide me hum sabhi banks aur apps ki updated 2026 UPI limits ko vistar se samjhayenge.

1. NPCI Standard Guidelines: 3 Tarah Ki UPI Limits

Jab aap koi UPI transaction karte hain, to vah 3 alag-alag layers ki limit se pass hota hai:

  1. Standard NPCI Daily Upper Ceiling: NPCI dwara peer-to-peer (P2P) transfers ke liye maximum limit ₹1,00,000 (Ek Lakh) per day nirdharit ki gayi hai.
  2. Individual Bank Daily Limit: Har bank apne risk management ke hisab se ise ₹25,000 se ₹1,00,000 ke beech fix karta hai.
  3. UPI App-Level Restrictions: Google Pay, PhonePe aur Paytm jaise apps din me maximum 20 transactions allow karte hain.

2. Bank-Wise UPI Daily Transaction Limits (Complete Master Table)

Niche di gayi table me Bharat ke sabhi pramukh banks ki daily amount limit aur per-day transaction count dekhein:

Bank Name Per Transaction Limit Daily Total Transfer Limit Max Transactions Per Day
State Bank of India (SBI) ₹1,00,000 ₹1,00,000 10 Transactions
HDFC Bank ₹1,00,000 (P2P) ₹1,00,000 20 Transactions
ICICI Bank ₹1,00,000 ₹1,00,000 (Google Pay/iMobile) 10 Transactions
Punjab National Bank (PNB) ₹50,000 ₹50,000 (Offline merchants ₹25K) 10 Transactions
Bank of Baroda (BOB) ₹50,000 (First 24 hrs) / ₹1L ₹1,00,000 20 Transactions
Axis Bank ₹1,00,000 ₹1,00,000 20 Transactions
Canara Bank ₹1,00,000 ₹1,00,000 20 Transactions
Union Bank of India ₹1,00,000 ₹1,00,000 20 Transactions
Kotak Mahindra Bank ₹1,00,000 ₹1,00,000 10 Transactions
IndusInd Bank ₹1,00,000 ₹1,00,000 20 Transactions
Bank of India (BOI) ₹1,00,000 ₹1,00,000 10 Transactions
Central Bank of India ₹50,000 ₹50,000 10 Transactions
Indian Bank ₹1,00,000 ₹1,00,000 10 Transactions
IDBI Bank ₹1,00,000 ₹1,00,000 20 Transactions
Federal Bank ₹1,00,000 ₹1,00,000 20 Transactions
AU Small Finance Bank ₹1,00,000 ₹1,00,000 20 Transactions

3. Special Categories Me Nayi ₹5 Lakh Tak Ki UPI Limit (RBI Circular)

Reserve Bank of India ne aam janata ki suvidha ke liye kuch specific high-priority sectors me standard ₹1 Lakh ki limit ko badhakar **₹5,00,000 (Panch Lakh)** kar diya hai:

Category Revised Upper Limit Kisko Payment Allowed Hai?
Hospitals & Medical Services ₹5,00,000 per transaction Registered Hospitals & Medical Institutes
Educational Institutions ₹5,00,000 per transaction Recognized Colleges, Universities & Schools
IPO Subscriptions & RBI Retail Direct ₹5,00,000 per application Stock Market IPO Bidding & Govt Securities
Capital Markets & Insurance ₹2,00,000 per transaction Insurance Premiums & Mutual Funds
Credit Card Bill Payments ₹2,00,000 per transaction Verified Credit Card Gateways

4. Naye Device Ya UPI Registration Par 24 Ghante Ka Restriction Rule

First 24 Hours Security Rule: Yadi aapne naya smartphone khareeda hai, apna UPI PIN reset kiya hai, ya pehli baar kisi UPI app me bank account link kiya hai, to security karno se pehle 24 ghante me aap maximum ₹5,000 hi transfer kar sakte hain. 24 ghante poore hone ke baad aapki poori ₹1 Lakh ki limit automatically unlock ho jaati hai.

5. Agar "Limit Exceeded" Aaye To Kya Karein?

  • Dusra Linked Bank Account Use Karein: Yadi aapke UPI app me do banks (jaise SBI aur HDFC) link hain, to primary bank change karke dusre bank se payment karein.
  • NetBanking Ya IMPS Ka Upyog Karein: UPI limit khatam hone par aap bank ke mobile app ya netbanking me login karke IMPS (₹5 Lakh limit) ya NEFT ka use kar sakte hain.
  • Agla Din Shuru Hone Ka Intezaar Karein: UPI daily limit midnight (12:00 AM) ya transaction ke 24 ghante ke rolling cycle ke baad auto-reset ho jati hai.

Frequently Asked Questions (FAQs)

Kya Google Pay aur PhonePe ki daily limit alag hoti hai?

Nahi. Google Pay, PhonePe, aur Paytm kewal payment application service providers (TPAP) hain. Daily amount limit aapke bank ke niyam par nirbhar karti hai. Kintu ye apps per day maximum 20 transaction attempts allow karte hain.

Kya UPI ki daily limit badhayi ja sakti hai?

Nahi. RBI aur NPCI dwara general P2P transfers ke liye ₹1,00,000 ki maximum limit cap ki gayi hai. Isse adhik rashi bhejne ke liye aapko NetBanking ya IMPS/RTGS ka use karna hoga.

Yadi ₹1 lakh se jyada transfer karna ho to kya karein?

Agar aapko ₹1 lakh se adhik transfer karna hai, to recipient ko beneficiary add karein aur NetBanking ke madhyam se IMPS (₹5 Lakh tak) ya RTGS (₹2 Lakh se upar unlimited) use karein.

5. Payment Apps Ki Internal Limits: Google Pay vs PhonePe vs Paytm vs Cred

App Name Daily Transfer Cap Daily Max Count Request Money Limit (Receive) Special Category Support
Google Pay (GPay) ₹1,00,000 per day Max 20 transactions across all banks ₹2,000 per request Supports ₹5L for IPOs & Hospitals
PhonePe ₹1,00,000 per day Max 20 transactions per 24 hours ₹2,000 per request Supports RuPay Credit Card UPI
Paytm UPI ₹1,00,000 (Per hour ₹20K limit applies) Max 20 transactions ₹5,000 per request Wallet to UPI instant transfers
BHIM (Govt of India / NPCI) ₹1,00,000 per day (₹40K per transaction) Max 10 transactions per day ₹40,000 per transaction Direct Aadhaar OTP UPI setup
CRED UPI ₹1,00,000 per day Max 20 transactions No peer request Optimized for high-value bill payments

6. RuPay Credit Card UPI Linkage Limits (Naya Rule 2026)

RBI aur NPCI ne ab RuPay Credit Cards ko UPI se link karne ki suvidha shuru kar di hai. Isme merchant QR code scan karke credit card se direct payment kiya ja sakta hai:

  • Peer-to-Peer (P2P) Restriction: Credit card UPI se aap kisi personal friend ya relative ko paise transfer nahi kar sakte. Yah kewal Merchant QR codes (P2M) par shopping aur bill payment ke liye valid hai.
  • Per-Transaction Limit: Credit card ke credit limit ke anusar standard UPI limit ₹1 Lakh per day aur special category me ₹2 Lakh tak allow hoti hai.
  • Zero MDR for Small Merchants: ₹2,000 tak ke transactions par chote dukaandaron se koi Merchant Discount Rate (MDR) charge nahi liya jata.