UPI Transaction Limit Changes: These rules of UPI have changed from today. Know how much you benefited before making a payment

UPI Transaction Limit Changes: These rules of UPI have changed from today. Know how much you benefited before making a payment Newspoint | 15/09/2025 16:39:10

UPI Transaction Limit Changes: Will even the biggest payment be made in one click through UPI now? Actually, NPCI has changed the new rules implemented from today. Let's know what has changed from today.

UPI Transaction Limit Changes: Big news has come for Unified Payments Interface i.e. UPI users. National Payments Corporation of India has increased the limit of big transactions from today. Earlier this limit was Rs 5 lakh, but now it has been doubled to Rs 10 lakh. This change will be applicable exclusively for verified merchants.

On which payments will the new rules apply

NPCI has clarified that this facility will mainly apply to large financial transactions like stock market investment, insurance premium, loan EMI and credit card bill payment. That is, now people will be able to easily settle these payments in one go.

Credit card bill payment: Up to Rs 5 lakh at a time.

Travel bookings and hotel payments: Up to Rs 5 lakh possible.

Loans and EMIs: Per transaction limit of Rs 5 lakh and maximum limit of Rs 10 lakh per day.

No change in person-to-person transactions

The limit of P2P transactions between two individuals will remain the same as before. Only a maximum of Rs 1 lakh can be transferred from one person to another daily. No change has been made in this.

Limits of different apps

NPCI has also clarified that the existing limits of UPI apps will remain applicable as before.

Minimum KYC on PhonePe will be Rs 10,000 per day, full KYC will be Rs 2 lakh per transaction and Rs 4 lakh per day.

Talking about Paytm, it will have a limit of Rs 1 lakh per day, Rs 20,000 per hour and a maximum of 5 transactions.

You can do 1 lakh rupees per day on Google Pay (GPay) and a maximum of 20 transactions can be done in a day.

Why this change was made

NPCI has taken this step in view of the ever-increasing use of digital payments. Earlier, customers had to do multiple transactions to settle large payments, but now this hassle will end and people will be able to make large payments like insurance, loan or investment in one click. This will make the transaction process faster and convenient and will strengthen Digital India.