Making big payments through Unified Payments Interface (UPI) has now become easier.
Starting from 15 September 2025, the National Payments Corporation of India (NPCI) has increased the UPI payment limit for certain transaction categories.
Now, you can make payments of up to ₹5 lakh at once for services like government e-marketplace shopping, travel bookings, collections, jewelry purchases, and more.
Earlier, such large payments were not allowed in a single UPI transaction.
How Much Can You Pay Now?
As per NPCI, the new UPI limit applies to services like:
Government e-Marketplace (GeM)
Travel bookings
Merchant payments
Business collections
Now, users can make UPI payments up to ₹5 lakh in a single transaction for these services, making large purchases or bookings much easier and faster.
Limit Increased for Insurance and Investments Too
For users paying insurance premiums or investing in the capital markets, the limit has been increased even more.
You can now make UPI payments up to ₹10 lakh per day for these categories. This will help people who want to pay large premiums or invest high amounts without having to split payments.
Where Have the Limits Changed?
Here’s a breakdown of the new transaction limits:
Govt e-Marketplace, Travel, Collections, Credit Card Bill, Jewelry: ₹5 lakh per transaction
Credit Card & Jewelry Purchase (24-hour limit): ₹6 lakh
Digital Account Opening & Initial Funding: ₹2 lakh (unchanged)
Insurance Premiums & Capital Market Investments: ₹10 lakh per day
Conditions to Use These Higher Limits
NPCI has stated that these increased limits will apply only to Verified Merchants. It is up to banks to offer this facility securely to those merchants.
While banks can set their own internal limits, they cannot exceed NPCI’s maximum allowed limit.
What Does This Mean for You?
For example, if you need to pay an insurance premium of ₹8 lakh, you previously had to pay it in parts.
Now, with the updated UPI rules, you can pay it all at once in a single day. Similarly, if you’re investing a big amount in the stock market, you can transfer the full amount instantly using UPI.
With these changes, UPI continues to be the most widely used and trusted payment method in India, helping millions of people carry out transactions every day—now with more ease for high-value payments.
