UPI Transaction Limits by Banks, NPCI and PSP Apps in 2023

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.

UPI Transaction Limits by Banks, NPCI and PSP Apps in 2023
Bank NameUPI Per Transaction Limit (in ₹)UPI Transaction Limit per Day (in ₹)
Abhyudaya Co-operative Bank5,00025,000
Adarsh Co-op Bank Ltd50,00050,000
Aditya Birla Idea Payments Bank1,00,0001,00,000
Airtel Payments Bank1,00,0001,00,000
Allahabad Bank25,0001,00,000
Allahabad UP Gramin Bank20,00040,000
Andhra Bank Public1,00,0001,00,000
Andhra Pradesh Grameena Vikas Bank25,0001,00,000
Andhra Pragathi Grameena Bank10,00020,000
Apna Sahakari Bank1,00,0001,00,000
Assam Gramin Vikash Bank5,00025,000
Axis Bank1,00,0001,00,000
Bandhan Bank1,00,0001,00,000
Bank Of Baroda25,000NA
Bank Of India10,0001,00,000
Bank of Maharashtra1,00,0001,00,000
Baroda Gujarat Gramin Bank25,000NA
Baroda Rajasthan Kshetriya Gramin Bank25,00025,000
Baroda Uttar Pradesh Gramin Bank25,00025,000
Bassein Catholic Coop Bank20,00040,000
Bhilwara Urban Co operative Bank Ltd500025000
Canara Bank10,00025,000
Catholic Syrian Bank1,00,0001,00,000
Central Bank of India (thanks shraaj for the info)20,00040,000
Chaitanya Godavari Grameena Bank25,0001,00,000
Chhattisgarh Rajya Gramin Bank25,0001,00,000
Citibank Retail1,00,0001,00,000
City Union Bank1,00,0001,00,000
Coastal Local Area Bank Ltd50,0001,00,000
Corporation Bank50,0001,00,000
DBS Digi Bank1,00,0001,00,000
DCB Bank5,0005000
Dena Bank1,00,0001,00,000
Deutsche Bank AG (Web Collect)NANA
Dhanlaxmi Bank Ltd1,00,0001,00,000
Dombivali Nagrik Sahakari Bank1,00,0001,00,000
Equitas Small Finance Bank25,0001,00,000
ESAF Small Finance Bank1,00,0001,00,000
Federal Bank1,00,0001,00,000
FINO Payments Bank1,00,0001,00,000
G P Parsik Bank1,00,0001,00,000
HDFC Bank1,00,0001,00,000
Himachal Pradesh Gramin Bank50,00050,000
Hutatma Sahakari Bank Ltd1,00,000Unlimited
ICICI Bank1,00,000 (25,000 for Google Pay users)1.5-2 Lakh (25,000 for Google Pay users)
IDBI Bank25,00050,000
IDFC First Bank1,00,0001,00,000
India Post Payment Bank25,00050,000
Indian Bank1,00,0001,00,000
Indian Overseas Bank10,00020,000
IndusInd Bank1,00,0001,00,000
J&K Grameen Bank20,00020,000
Jalgaona Janata Sahkari Bank1,00,0001,00,000
Jammu & Kashmir Bank20,00020,000
Jana Small Finance Bank10,00040,000
Janta Sahakari Bank Pune1,00,0001,00,000
Jio Payments Bank1,00,0001,00,000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.25,0002,00,000
Karnataka Bank1,00,0002,00,000
Karnataka Vikas Gramin Bank25,00025,000
Karur Vysaya Bank1,00,0001,00,000
Kashi Gomti Samyut Gramin Bank1,00,0001,00,000
Kaveri Grameena Bank25,00025,000
Kerala Gramin Bank20,00020,000
Kotak Mahindra Bank1,00,0001,00,000
Langpi Dehangi Rural Bank10,0001,00,000
Madhya Bihar Gramin Bank25,0001,00,000
Maharashtra Grameen Bank25,0001,00,000
Maharashtra State Cooperative Bank5,00050,000
Malwa Gramin Bank (Merged with Punjab Gramin Bank)10,00025,000
Manipur Rural Bank10,00010,000
Maratha Cooperative Bank1,00,0001,00,000
Meghalaya Rural Bank1,00,0001,00,000
Mizoram Rural Bank25,0001,00,000
NKGSB Co-op. Bank Ltd.20,00040,000
Oriental Bank of Commerce1,00,0001,00,000
Paschim Banga Gramin Bank5,00025,000
Paytm Payments Bank1,00,0001,00,000
Pragathi Krishna Gramin Bank20,00020,000
Prathama U.P. Gramin Bank10,00050,000
Punjab and Maharastra Coop Bank1,00,0001,00,000
Punjab and Sind Bank10,00010,000
Punjab Gramin Bank10,00025,000
Punjab National Bank25,00050,000
Purvanchal Bank25,0001,00,000
Rajasthan Marudhara Gramin Bank25,00025,000
Rajkot Nagari Sahakari Bank Ltd1,00,0001,00,000
Samruddhi Co-op Bank Ltd1,00,0001,00,000
Sarva Haryana Gramin Bank50,0001,00,000
Sarva UP Gramin Bank50,0001,00,000
Saurashtra Gramin Bank20,0001,00,000
Shree Kadi Nagarik Sahakari Bank Ltd.1,00,0001,00,000
South Indian Bank1,00,0001,00,000
Standard Chartered1,00,0001,00,000
State Bank Of India1,00,0001,00,000
Suco Souharda Sahakari Bank1,00,0001,00,000
Suryoday Small Finance Bank Ltd1,00,0001,00,000
Suvarnayug Sahakari Bank Ltd1,00,0001,00,000
Syndicate Bank10,0001,00,000
Tamilnadu Mercantile Bank20,0001,00,000
Telangana Gramin Bank25,0001,00,000
Telangana State Co Operative Apex Bank10,0001,00,000
Thane Bharat Sahakari Bank1,00,0001,00,000
The Cosmos Co-Operative Bank Ltd10,00050,000
The A.P. Mahesh Co-Operative Urban Bank25,00025,000
The Ahmedabad District Co-operative Bank Ltd10,00025,000
The Ahmedabad Mercantile Co-op Bank Ltd1,00,0001,00,000
The Andhra Pradesh State Cooperative10,0001,00,000
The Baroda Central Co-operative Bank Ltd.15,0001,00,000
The Gujarat State Co-operative Bank Limited50,0001,00,000
The Hasti Co-operative Bank Ltd1,00,0001,00,000
The Kalyan Janta Sahkari Bank1,00,0001,00,000
The Lakshmi Vilas Bank Limited1,00,0001,00,000
The Mahanagar Co-Op. Bank Ltd25,00050,000
The Malad Sahakari Bank Ltd.10,00050,000
The Mehsana Urban Co-Operative Bank1,00,0001,00,000
The Municipal Co-op Bank Ltd.5,00050,000
The Muslim Co-Operative Bank Ltd1,00,0001,00,000
The Nainital Bank Ltd20,00040,000
The Ratnakar Bank Limited25,00025,000
The Saraswat Co-Operative Bank1,00,0001,00,000
The Surat Peoples Co Op. Bank Ltd25,0001,00,000
The Sutex Co-op Bank1,00,0001,00,000
The SVC Co-Operative Bank Ltd10,00020,000
The Thane Janta Sahakari Bank Ltd1,00,0001,00,000
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd1,00,0001,00,000
The Udaipur Mahila Urban Co-op Bank Ltd1,00,0001,00,000
The Urban Cooperative Bank Ltd Dharangaon20,00025,000
The Varachha Co-op Bank Ltd.20,00040,000
The Vijay Cooperative Bank Ltd20,0002,00,000
The Vishweshwar Sahakari Bank Ltd1,00,0001,00,000
Tripura Gramin Bank10,00010,000
UCO Bank1,00,0001,00,000
Ujjivan Small Finance Bank Limited50,0001,00,000
Union Bank of India1,00,0002,00,000
United Bank of India25,00060,000
Uttarakhand Gramin Bank25,0001,00,000
Vananchal Gramin Bank20,00020,000
Vasai Vikas Co-op Bank Ltd1,00,0001,00,000
Vijaya Bank25,00050,000
Yes Bank1,00,0001,00,000

UPI Transaction Limits by NPCI for Merchants in 2023

Merchant CategoriesTransaction Limits
P2M (person to merchant) Transactions₹1,00,000
BFSI (banking, financial services, and insurance)₹2,00,000
Non-verified MerchantsCollect payments up to ₹2,000
MCC (Merchant Category Codes) 6540Completely blocked for collect payments
MCC 4812 and 4814Collect payments above ₹5,000 are blocked

UPI Transaction Limits by BHIM UPI 2023

TransactionsPer 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 AutopayUPI Apps supporting Banks with Autopay
Axis BankBHIM
Bank of BarodaPaytm | BHIM
ICICI BankGoogle Pay | PhonePe
Indusind BankBHIM
HDFC BankGpay | PhonePe | Paytm | PayZapp
Paytm BankPaytm | BHIM
HSBC BankHSBC SimplyPay

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