{"id":14541,"date":"2025-09-22T00:48:56","date_gmt":"2025-09-22T00:48:56","guid":{"rendered":"https:\/\/tezgyan.com\/index.php\/2025\/09\/22\/npci-hikes-upi-transaction-limits-these-users-can-now-pay-up-to-rs-10-lakh-daily-banking-and-finance-news\/"},"modified":"2025-09-22T00:48:56","modified_gmt":"2025-09-22T00:48:56","slug":"npci-hikes-upi-transaction-limits-these-users-can-now-pay-up-to-rs-10-lakh-daily-banking-and-finance-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/09\/22\/npci-hikes-upi-transaction-limits-these-users-can-now-pay-up-to-rs-10-lakh-daily-banking-and-finance-news\/","title":{"rendered":"NPCI Hikes UPI Transaction Limits: These Users Can Now Pay Up To Rs 10 Lakh Daily | Banking and Finance News"},"content":{"rendered":"


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NPCI raises UPI transaction limits for tax payments, GeM, credit cards, and FX-Retail to Rs 5 lakh per transaction, with daily caps up to Rs 10 lakh, effective September 15.<\/h2>\n
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The regulator has also extended higher limits to new categories. (Photo Credit: X)<\/p>\n<\/figure>\n

UPI Transaction Limit Hike:<\/strong> From September 15, the National Payments Corporation of India (NPCI) has upgraded the transaction limits for certain categories of UPI users. This allows flexibility and accessibility to users of the digital platform for higher ticket transactions.<\/p>\n

\u201cNCPI has increased the per transaction limits for entities under categories aligned to tax payments to Rs 5 lakh. With UPI emerging as a preferred payment method, there are requirements from the market on extending higher per transaction limits for additional categories of transactions in UPI,” the circular read.<\/p>\n

Additionally, users can now make payments totalling up to Rs 10 lakh in 24 hours for these categories. Previously, payments for capital markets and insurance were capped at Rs 2 lakh per transaction, while the cumulative limit for 24 hours was lower. Notably, the per-transaction limit for placing an IPO bid via UPI remains at Rs 5 lakh.<\/p>\n

The transaction limit has also been increased for the government e-Marketplace (GeM) category, which falls under merchant category code (MCC) 9311 for tax payments, allowing individuals to make payments up to Rs 5 lakh per transaction and Rs 10 lakh cumulatively per day.<\/p>\n

Other Categories See Limit Boosts<\/h3>\n

The UPI regulator has also enhanced the transaction limits for other categories, including credit card payments and loan or B2B collections. Credit card payments now have a per-transaction limit of Rs 5 lakh and a 24-hour cap of Rs 6 lakh, while collections can reach Rs 10 lakh in 24 hours.<\/p>\n

NPCI has clarified that these enhanced limits will apply only to payments to verified merchant accounts, while peer-to-peer transactions remain capped at Rs 1 lakh per day. Banks and payment apps are required to implement these changes by September 15, and they may set internal limits according to their policies.<\/p>\n

New Categories Get Higher Limits<\/h3>\n

The regulator has also extended higher limits to new categories. Users accessing FX-Retail via Bharat Bill Payment System (BBPS) can now transact up to Rs 5 lakh per transaction, covering outward remittances, forex card loading and currency purchases. Similarly, term deposits and initial funding for fully digital account openings can now be carried out at Rs 5 lakh per transaction.<\/p>\n

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Varun Yadav<\/a><\/p>\n

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst…Read More<\/span><\/p>\n<\/div>\n<\/div>\n

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst… Read More<\/span><\/p>\n<\/div>\n<\/div>\n

Click here<\/a> to add News18 as your preferred news source on Google. Stay updated with all the latest business news, including market trends<\/a>,\u00a0stock updates<\/a>,\u00a0tax<\/a>, IPO,\u00a0banking finance<\/a>, real estate, savings and investments. To Get in-depth analysis, expert opinions, and real-time updates. Also Download the\u00a0News18 App<\/a> to stay updated.<\/span><\/div>\n
First Published:<\/span><\/p>\n
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September 17, 2025, 13:00 IST<\/p>\n<\/div>\n<\/div>\n

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Last Updated:September 17, 2025, 13:00 IST NPCI raises UPI transaction limits for tax payments, GeM, credit cards, and FX-Retail to Rs 5 lakh per transaction, with daily caps up to Rs 10 lakh, effective September 15. The regulator has also extended higher limits to new categories. (Photo Credit: X) UPI Transaction Limit Hike: From September…<\/p>\n","protected":false},"author":1,"featured_media":14542,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-14541","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/14541","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=14541"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/14541\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/14542"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=14541"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=14541"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=14541"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}