Changes in UPI rules
Changes in UPI Rules: After amending UPI rules in August, NPCI has decided to make the big digital transactions more simplified. This change will be applicable from September 15, 2025, in which the transaction limit will be increased. The limit of insurance, loan investment etc. will be increased in individual-to-business transactions. However, the limit of individual-to-person transactions will remain at Rs 1 lakh.
Increase in transaction limit
Many significant changes were made in the UPI rules in early August. NPCI has announced to simplify large digital transactions through integrated payment interfaces. This new rule will be applicable from September 15, 2025. Google Pay and PhonePe users should be familiar with these changes.
These new rules will be particularly beneficial for P2M (individual-to-business) transactions. For example, if you invest in the market or pay the EMI of your loan, the limit of individual-to-person transactions will remain at Rs 1 lakh.
New boundaries of transactions
- You will now be able to make transactions up to Rs 5 lakh instead of Rs 2 lakh, and will be able to transact up to a maximum of Rs 10 lakh for capital market investment and insurance.
- The limit of government e-market and tax payment will be increased from Rs 1 lakh to Rs 5 lakh per transaction.
- Travel Booking: The daily limit will be up to Rs 10 lakh and the price of the transaction will be Rs 5 lakh instead of Rs 1 lakh.
- Credit card bills paid: You will be able to pay up to Rs 5 lakh at a time, but not more than 6 lakh rupees in a day.
- The limit of loan and EMI collection will be increased from Rs 5 lakh per transaction to maximum of Rs 10 lakh per day.
- Jewelry shopping: According to the revised limit, now you will be able to pay up to Rs 2 lakh per transaction instead of Rs 1 lakh, whose daily limit will be Rs 6 lakh.
- Fixed deposit: According to the new rules, now you will be able to pay up to Rs 5 lakh per transaction, which was earlier 2 lakh rupees.
Digital account opening process
There has been no change in the process of opening a digital account; The limit of Rs 2 lakh will be applicable. Apart from this, BBPS will soon allow foreign exchange payment up to Rs 5 lakh per transaction, which will have a daily limit of Rs 5 lakh. These changes will prove beneficial for NPCI, citizens and companies and will make big digital payments more simplified.
