What are the UPI Transaction Limits by Banks, NPCI and PSP Apps in 2023?

Checkout the UPI Transaction Limits by Banks, NPCI and PSP Apps such as Google Pay, PhonePe, Paytm, Mobikwik, Amazon Pay, etc in 2023 to avoid transaction failures.

by FighterMan Updated: 07 Jan, 2023, 07:20 IST
35 15876

Recently, RBI proposed NPCI to increase the UPI Transaction Limit from ₹ 2 Lakhs to ₹ 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.

RBI also announced a framework for Offline Digital Payments without Internet and Telecom Connectivity on 3rd Jan 2022.

UPI Transaction Limits by Banks, NPCI and PSP Apps

UPI Transaction Limits by Banks per Day in 2023

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


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, maximum 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 NPCI for Merchants in 2023

Merchants will have to follow these UPI Transaction Limits set by NPCI for successful transactions.

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

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Extra 10% off upto Rs500 on min buy of Rs999 on select styles using UPI

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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

UPI Autopay is very useful for recurring payments like mobile recharges, OTT subscription charges, WIFI charges, utility bills, EMI bills, and more. It will help you pay automatically on time to avoid any late fees and inconvenience. Make a note that you should have sufficient funds to support this feature. You can check the Complete List Of Banks And Apps Live On AutoPay, thanks to our Dimer abhishek012 for this info. 

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

These were the UPI Transaction Limits set by Banks, NPCI, BHIM UPI, and PSP Apps in 2023. Let’s see if there are any changes in this year's Budget. Till then, checkout these cool UPI offers for saving big.

35 Comments  |  
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Deal Cadet Deal Cadet

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Deal Cadet Deal Cadet

See icici upi restricted to 2000… Tried using phonepe and gpay… Any suggestions to change this are welcomehttps://cdn0.desidime.com/attachments/photos/745374/medium/20220221_193207.jpg?1645452144

Helpful Helpful
cuteboynikhil wrote:

See icici upi restricted to 2000… Tried using phonepe and gpay… Any suggestions to change this are welcomehttps://cdn0.desidime.com/attachments/photos/745374/medium/20220221_193207.jpg?1645452144

You can’t  request for more than 2000 via Upi. It’s applicable on all banks. This is done to reduce upi frauds.

Deal Cadet Deal Cadet

Idfc first has this weird restrictions of 25k at one go pertaining to transferring to zerodha by UPI id linked to idfc first bank. Complained several times even toanger of the branch but no replies. The same is not applicable when applying for ipo upto 2 lakhs.

Deal Newbie Deal Newbie

Hey @FighterMan . Great compilation. I would like to suggest a change. For Bank of India’s Single Transaction, I just checked and 1L can be done in Single Transaction.

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