For most payments, the UPI limit is ₹1 lakh per day. But NPCI has raised the ceiling for several high-value categories, so the real limit depends on what you are paying for and which bank you use. Here is the 2026 picture.
The standard limit
The default UPI limit is ₹1 lakh per transaction and per day for everyday person-to-person and most merchant payments. This covers the vast majority of users.
Higher limits for specific categories
Under current NPCI rules, verified merchants in certain categories allow much larger UPI payments:
- Up to ₹5 lakh per transaction for capital markets (IPOs, mutual funds), insurance premiums and some collections.
- Up to ₹10 lakh for verified education (schools, colleges) and healthcare (hospitals) merchants.
These higher limits only apply when you pay a verified merchant in that category — not for ordinary transfers to a friend.
Why your limit may be lower
Banks set their own caps within the NPCI ceiling, based on your account type and risk profile. Newly linked accounts often have a lower limit for the first 24 hours. There is also typically a cap on the number of UPI transactions per day (commonly around 10–20), separate from the amount.
How to send more than the limit
If you need to move more than your UPI limit allows, split it across days, raise the limit in your bank app where supported, or use IMPS or RTGS instead — see our transfer methods guide.
Frequently asked questions
What is the UPI limit per day in 2026?
The standard UPI limit is Rs 1 lakh per day for most payments. Specific verified-merchant categories such as capital markets, insurance, education and healthcare allow higher limits, up to Rs 5 lakh or Rs 10 lakh.
Why is my UPI limit lower than Rs 1 lakh?
Banks set their own caps within NPCI rules based on account type and risk. Newly linked accounts are often limited for the first 24 hours.
How many UPI transactions can I do in a day?
Most banks cap the number of UPI transactions per day, commonly around 10 to 20, in addition to the amount limit.
Limits, charges and procedures are set by the RBI, NPCI and individual banks and can change. Always confirm current details in your own bank’s app before a transfer. Last updated June 2026.