There were many changes in the rules of UPI in early August last month. At the same time, now once again the National Payments Corporation of India, i.e., NPCI, is going to make big digital payments through Unified Payments Interface, i.e., UPI, easier. Yes, this time it has been announced to increase the transaction limit. These new rules will come into effect from 15 September 2025. That is, those who run Gpay-PhonePe should know them now.

These new changes will especially apply to person-to-merchant, i.e., P2M transactions. In simple words, like if you pay an insurance premium, pay a loan EMI, or invest in the market. However, the limit for person-to-person transactions, i.e., sending money to family or friends, will remain Rs 1 lakh per day as before. There will be no change in this right now. Let's know what is changing in the UPI limit...

What is changing in the UPI limit?

Capital Market Investment and Insurance: Here you will soon be able to transact up to Rs 5 lakh per transaction instead of Rs 2 lakh and a maximum of Rs 10 lakh in 24 hours.

Government e-marketplace and tax payment: Its limit will also be increased from Rs 1 lakh to Rs 5 lakh per transaction.

Travel Booking: Now, instead of Rs 1 lakh, you will be able to pay Rs 5 lakh per transaction, and the daily cap will be up to Rs 10 lakh.

Credit Card Bill Payment: You will be able to pay up to Rs 5 lakh at a time, but a maximum of Rs 6 lakh per day.

Loan and EMI Collection: Its limit will also be increased from Rs 5 lakh per transaction to a maximum of Rs 10 lakh per day.

Jewellery Purchase: After the new limit, you will be able to pay up to Rs 2 lakh per transaction instead of Rs 1 lakh, with a daily cap of up to Rs 6 lakh.

Term Deposit: After the new limit, you will also be able to make Rs 5 lakh per transaction, which was earlier Rs 2 lakh.

No change has been made in digital account opening; its limit will remain 2 lakhs. Apart from this, foreign exchange payment through BBPS will soon be Rs 5 lakh per transaction, and the daily cap will be up to 5 lakh. NPCI says that these changes will greatly benefit people and businessmen. This will also make it easier to make large digital payments. These changes will further promote cashless transactions.

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