UPI Transaction Limits by Banks, NPCI, and PSP Apps in 2023. RBI proposed NPCI to increase the UPI Transaction Limit is ₹ 2 Lakhs – ₹ 5 Lakhs for retail direct scheme (RDS) and initial public offering (IPO) applications.
This is due to the increasing popularity of UPI payments in India among various sectors. Thus, you need to have an idea of various UPI Transaction Limits by Banks, NPCI, and PSP Apps in 2023 to avoid transaction failures, account block issues, and any other inconveniences.
UPI Transaction Limits by PSP Apps (Google Pay, PhonePe, Paytm, etc) per Day in 2023 PSP Apps such as Google Pay, PhonePe, Paytm, Mobikwik, Amazon Pay, and many others have a UPI Transaction Limit of ₹1,00,000 per day.
Also, a maximum of 10 transactions are allowed in a day. You can accept a maximum request of ₹2000 from others on Google Pay. Also, we have a detailed article on Digital Wallet UPI Limits in 2023 so you can check it out.
| Bank Name | UPI Per Transaction Limit (in ₹) | UPI Transaction Limit per Day (in ₹) |
| Abhyudaya Co-operative Bank | 5,000 | 25,000 |
| Adarsh Co-op Bank Ltd | 50,000 | 50,000 |
| Aditya Birla Idea Payments Bank | 1,00,000 | 1,00,000 |
| Airtel Payments Bank | 1,00,000 | 1,00,000 |
| Allahabad Bank | 25,000 | 1,00,000 |
| Allahabad UP Gramin Bank | 20,000 | 40,000 |
| Andhra Bank Public | 1,00,000 | 1,00,000 |
| Andhra Pradesh Grameena Vikas Bank | 25,000 | 1,00,000 |
| Andhra Pragathi Grameena Bank | 10,000 | 20,000 |
| Apna Sahakari Bank | 1,00,000 | 1,00,000 |
| Assam Gramin Vikash Bank | 5,000 | 25,000 |
| Axis Bank | 1,00,000 | 1,00,000 |
| Bandhan Bank | 1,00,000 | 1,00,000 |
| Bank Of Baroda | 25,000 | NA |
| Bank Of India | 10,000 | 1,00,000 |
| Bank of Maharashtra | 1,00,000 | 1,00,000 |
| Baroda Gujarat Gramin Bank | 25,000 | NA |
| Baroda Rajasthan Kshetriya Gramin Bank | 25,000 | 25,000 |
| Baroda Uttar Pradesh Gramin Bank | 25,000 | 25,000 |
| Bassein Catholic Coop Bank | 20,000 | 40,000 |
| Bhilwara Urban Co operative Bank Ltd | 5000 | 25000 |
| Canara Bank | 10,000 | 25,000 |
| Catholic Syrian Bank | 1,00,000 | 1,00,000 |
| Central Bank of India (thanks shraaj for the info) | 20,000 | 40,000 |
| Chaitanya Godavari Grameena Bank | 25,000 | 1,00,000 |
| Chhattisgarh Rajya Gramin Bank | 25,000 | 1,00,000 |
| Citibank Retail | 1,00,000 | 1,00,000 |
| City Union Bank | 1,00,000 | 1,00,000 |
| Coastal Local Area Bank Ltd | 50,000 | 1,00,000 |
| Corporation Bank | 50,000 | 1,00,000 |
| DBS Digi Bank | 1,00,000 | 1,00,000 |
| DCB Bank | 5,000 | 5000 |
| Dena Bank | 1,00,000 | 1,00,000 |
| Deutsche Bank AG (Web Collect) | NA | NA |
| Dhanlaxmi Bank Ltd | 1,00,000 | 1,00,000 |
| Dombivali Nagrik Sahakari Bank | 1,00,000 | 1,00,000 |
| Equitas Small Finance Bank | 25,000 | 1,00,000 |
| ESAF Small Finance Bank | 1,00,000 | 1,00,000 |
| Federal Bank | 1,00,000 | 1,00,000 |
| FINO Payments Bank | 1,00,000 | 1,00,000 |
| G P Parsik Bank | 1,00,000 | 1,00,000 |
| HDFC Bank | 1,00,000 | 1,00,000 |
| Himachal Pradesh Gramin Bank | 50,000 | 50,000 |
| HSBC | 1,00,000 | 1,00,000 |
| Hutatma Sahakari Bank Ltd | 1,00,000 | Unlimited |
| ICICI Bank | 1,00,000 (25,000 for Google Pay users) | 1.5-2 Lakh (25,000 for Google Pay users) |
| IDBI Bank | 25,000 | 50,000 |
| IDFC First Bank | 1,00,000 | 1,00,000 |
| India Post Payment Bank | 25,000 | 50,000 |
| Indian Bank | 1,00,000 | 1,00,000 |
| Indian Overseas Bank | 10,000 | 20,000 |
| IndusInd Bank | 1,00,000 | 1,00,000 |
| J&K Grameen Bank | 20,000 | 20,000 |
| Jalgaona Janata Sahkari Bank | 1,00,000 | 1,00,000 |
| Jammu & Kashmir Bank | 20,000 | 20,000 |
| Jana Small Finance Bank | 10,000 | 40,000 |
| Janta Sahakari Bank Pune | 1,00,000 | 1,00,000 |
| Jio Payments Bank | 1,00,000 | 1,00,000 |
| Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd. | 25,000 | 2,00,000 |
| Karnataka Bank | 1,00,000 | 2,00,000 |
| Karnataka Vikas Gramin Bank | 25,000 | 25,000 |
| Karur Vysaya Bank | 1,00,000 | 1,00,000 |
| Kashi Gomti Samyut Gramin Bank | 1,00,000 | 1,00,000 |
| Kaveri Grameena Bank | 25,000 | 25,000 |
| Kerala Gramin Bank | 20,000 | 20,000 |
| Kotak Mahindra Bank | 1,00,000 | 1,00,000 |
| Langpi Dehangi Rural Bank | 10,000 | 1,00,000 |
| Madhya Bihar Gramin Bank | 25,000 | 1,00,000 |
| Maharashtra Grameen Bank | 25,000 | 1,00,000 |
| Maharashtra State Cooperative Bank | 5,000 | 50,000 |
| Malwa Gramin Bank (Merged with Punjab Gramin Bank) | 10,000 | 25,000 |
| Manipur Rural Bank | 10,000 | 10,000 |
| Maratha Cooperative Bank | 1,00,000 | 1,00,000 |
| Meghalaya Rural Bank | 1,00,000 | 1,00,000 |
| Mizoram Rural Bank | 25,000 | 1,00,000 |
| NKGSB Co-op. Bank Ltd. | 20,000 | 40,000 |
| Oriental Bank of Commerce | 1,00,000 | 1,00,000 |
| Paschim Banga Gramin Bank | 5,000 | 25,000 |
| Paytm Payments Bank | 1,00,000 | 1,00,000 |
| Pragathi Krishna Gramin Bank | 20,000 | 20,000 |
| Prathama U.P. Gramin Bank | 10,000 | 50,000 |
| Punjab and Maharastra Coop Bank | 1,00,000 | 1,00,000 |
| Punjab and Sind Bank | 10,000 | 10,000 |
| Punjab Gramin Bank | 10,000 | 25,000 |
| Punjab National Bank | 25,000 | 50,000 |
| Purvanchal Bank | 25,000 | 1,00,000 |
| Rajasthan Marudhara Gramin Bank | 25,000 | 25,000 |
| Rajkot Nagari Sahakari Bank Ltd | 1,00,000 | 1,00,000 |
| Samruddhi Co-op Bank Ltd | 1,00,000 | 1,00,000 |
| Sarva Haryana Gramin Bank | 50,000 | 1,00,000 |
| Sarva UP Gramin Bank | 50,000 | 1,00,000 |
| Saurashtra Gramin Bank | 20,000 | 1,00,000 |
| Shree Kadi Nagarik Sahakari Bank Ltd. | 1,00,000 | 1,00,000 |
| South Indian Bank | 1,00,000 | 1,00,000 |
| Standard Chartered | 1,00,000 | 1,00,000 |
| State Bank Of India | 1,00,000 | 1,00,000 |
| Suco Souharda Sahakari Bank | 1,00,000 | 1,00,000 |
| Suryoday Small Finance Bank Ltd | 1,00,000 | 1,00,000 |
| Suvarnayug Sahakari Bank Ltd | 1,00,000 | 1,00,000 |
| Syndicate Bank | 10,000 | 1,00,000 |
| Tamilnadu Mercantile Bank | 20,000 | 1,00,000 |
| Telangana Gramin Bank | 25,000 | 1,00,000 |
| Telangana State Co Operative Apex Bank | 10,000 | 1,00,000 |
| Thane Bharat Sahakari Bank | 1,00,000 | 1,00,000 |
| The Cosmos Co-Operative Bank Ltd | 10,000 | 50,000 |
| The A.P. Mahesh Co-Operative Urban Bank | 25,000 | 25,000 |
| The Ahmedabad District Co-operative Bank Ltd | 10,000 | 25,000 |
| The Ahmedabad Mercantile Co-op Bank Ltd | 1,00,000 | 1,00,000 |
| The Andhra Pradesh State Cooperative | 10,000 | 1,00,000 |
| The Baroda Central Co-operative Bank Ltd. | 15,000 | 1,00,000 |
| The Gujarat State Co-operative Bank Limited | 50,000 | 1,00,000 |
| The Hasti Co-operative Bank Ltd | 1,00,000 | 1,00,000 |
| The Kalyan Janta Sahkari Bank | 1,00,000 | 1,00,000 |
| The Lakshmi Vilas Bank Limited | 1,00,000 | 1,00,000 |
| The Mahanagar Co-Op. Bank Ltd | 25,000 | 50,000 |
| The Malad Sahakari Bank Ltd. | 10,000 | 50,000 |
| The Mehsana Urban Co-Operative Bank | 1,00,000 | 1,00,000 |
| The Municipal Co-op Bank Ltd. | 5,000 | 50,000 |
| The Muslim Co-Operative Bank Ltd | 1,00,000 | 1,00,000 |
| The Nainital Bank Ltd | 20,000 | 40,000 |
| The Ratnakar Bank Limited | 25,000 | 25,000 |
| The Saraswat Co-Operative Bank | 1,00,000 | 1,00,000 |
| The Surat Peoples Co Op. Bank Ltd | 25,000 | 1,00,000 |
| The Sutex Co-op Bank | 1,00,000 | 1,00,000 |
| The SVC Co-Operative Bank Ltd | 10,000 | 20,000 |
| The Thane Janta Sahakari Bank Ltd | 1,00,000 | 1,00,000 |
| The Udaipur Mahila Samridhi Urban Co-op Bank Ltd | 1,00,000 | 1,00,000 |
| The Udaipur Mahila Urban Co-op Bank Ltd | 1,00,000 | 1,00,000 |
| The Urban Cooperative Bank Ltd Dharangaon | 20,000 | 25,000 |
| The Varachha Co-op Bank Ltd. | 20,000 | 40,000 |
| The Vijay Cooperative Bank Ltd | 20,000 | 2,00,000 |
| The Vishweshwar Sahakari Bank Ltd | 1,00,000 | 1,00,000 |
| Tripura Gramin Bank | 10,000 | 10,000 |
| UCO Bank | 1,00,000 | 1,00,000 |
| Ujjivan Small Finance Bank Limited | 50,000 | 1,00,000 |
| Union Bank of India | 1,00,000 | 2,00,000 |
| United Bank of India | 25,000 | 60,000 |
| Uttarakhand Gramin Bank | 25,000 | 1,00,000 |
| Vananchal Gramin Bank | 20,000 | 20,000 |
| Vasai Vikas Co-op Bank Ltd | 1,00,000 | 1,00,000 |
| Vijaya Bank | 25,000 | 50,000 |
| Yes Bank | 1,00,000 | 1,00,000 |
Contents
UPI Transaction Limits by NPCI for Merchants in 2023
| Merchant Categories | Transaction Limits |
| P2M (person to merchant) Transactions | ₹1,00,000 |
| BFSI (banking, financial services, and insurance) | ₹2,00,000 |
| Non-verified Merchants | Collect payments up to ₹2,000 |
| MCC (Merchant Category Codes) 6540 | Completely blocked for collect payments |
| MCC 4812 and 4814 | Collect payments above ₹5,000 are blocked |
UPI Transaction Limits by BHIM UPI 2023
| Transactions | Per Transaction Limit |
| P2P (person to person) | ₹40,000 |
| P2M Verified | ₹1,00,000 |
| P2M Non-verified | ₹40,000 |
| Bill Pay | ₹20,000 |
UPI Autopay Supporting Banks & Apps 2023
| Banks with Autopay | UPI Apps supporting Banks with Autopay |
| Axis Bank | BHIM |
| Bank of Baroda | Paytm | BHIM |
| ICICI Bank | Google Pay | PhonePe |
| IDFC Bank | BHIM |
| Indusind Bank | BHIM |
| HDFC Bank | Gpay | PhonePe | Paytm | PayZapp |
| Paytm Bank | Paytm | BHIM |
| HSBC Bank | HSBC SimplyPay |
