A major update in the payment system is set to benefit crores of people.
The National Payments Corporation of India (NPCI) has increased the daily transaction limit for Unified Payments Interface (UPI).
Starting 15 September 2025, certain UPI transactions can now go up to Rs 10 lakh per day.
Earlier, the maximum daily transfer limit through UPI was Rs 1 lakh.
The new limit applies to payments like taxes, insurance premiums, loan EMIs, credit card bills, investments, and digital savings.
Why the UPI Limit Was Increased
This change comes ahead of the 15 September 2025 deadline for income tax filing.
The increase aims to make digital payments easier for taxpayers handling large amounts.
Under the new system:
Person-to-Merchant (P2M) transactions can now be up to Rs 5 lakh per transaction and Rs 10 lakh per day.
Person-to-Person (P2P) transactions remain unchanged at Rs 1 lakh per day.
P2M transactions include payments to authorized merchants, banks, government portals, and financial institutions.
New UPI Limits by Category
| Transaction Type | Previous Limit | New Limit per Transaction | New Daily Limit |
|---|---|---|---|
| Tax Payments (MCC 9311) | ₹5 lakh | ₹5 lakh | ₹10 lakh |
| Insurance & Capital Market Investments | ₹5 lakh | ₹5 lakh | ₹10 lakh |
| Loan EMI & B2B Collection | ₹5 lakh | ₹5 lakh | ₹10 lakh |
| Credit Card Bill Payments | ₹5 lakh | ₹5 lakh | ₹6 lakh |
| Foreign Exchange (FX Retail) | ₹5 lakh | ₹5 lakh | – |
| Digital Savings & FD | ₹5 lakh | ₹5 lakh | – |
