UPI: NPCI increased the limit of UPI, now you can transact this much amount in 24 hours..

Usually, when we send money through UPI, there is a limit of Rs 1 lakh. But now, from September 15, 2025, this limit has been increased significantly for certain transactions. NPCI has announced this change, so that transactions like paying tax, paying insurance premiums, paying loan EMIs, and investing in the stock market can now be paid up to Rs 10 lakh in 24 hours.

Why was this change made?
This year, the last date for paying tax is 15 September 2025. Due to this, NPCI has increased the limit of tax-related UPI transactions to Rs 5 lakh per transaction and Rs 10 lakh per 24 hours. This will benefit those who want to pay large amounts through UPI, but have been stopped due to the limit.

On which transactions will the new limit apply?

These changes will apply only to P2M (Person to Merchant) transactions. That is, when you make a payment to a verified merchant such as an insurance company, brokerage firm, tax portal, or bank. At the same time, the limit for P2P (person to person) transactions will remain Rs 1 lakh per day.

In which categories has the limit increased?

Tax Payment (MCC 9311): Now, Rs 5 lakh can be paid at a time and Rs 10 lakh in 24 hours through UPI.

Insurance and Capital Market: Earlier, the limit was Rs 2 lakh; now it is Rs 5 lakh per transaction and Rs 10 lakh per day.

Loan EMI, B2B Collection: All these also have a limit of Rs 5 lakh per transaction and Rs 10 lakh per 24 hours.

Credit Card Bill Payment: Earlier, the limit was Rs 2 lakh; now, there will be a limit of Rs 5 lakh per transaction and Rs 6 lakh daily.

Foreign Exchange (FX Retail): Now, a limit of Rs 5 lakh per transaction will also be applicable for foreign exchange purchase and sale.
Digital Account and FD: Now, a transaction limit of up to Rs 5 lakh is allowed for opening a digital savings account and making an FD.

Will these limits apply to all banks?

NPCI has asked to apply this limit to all banks, apps, and payment service providers (PSPs). But, banks have also been given the freedom to set some limits themselves according to their internal policies. That is, it is possible that this limit may not be available immediately in any bank, but most banks will implement it from September 15.

What is the limit for IPO?

If you want to bid in an IPO (Initial Public Offering) through UPI, then keep in mind that the limit here will still be Rs 5 lakh per transaction. The new limit of Rs 10 lakh will not be applicable for IPO.

Who will benefit from the change?

This change will directly benefit big businessmen and professionals who do business in tax, insurance, or investment through UPI. Also, general consumers who use EMI, FD, or digital services will benefit.

Disclaimer: This content has been sourced and edited from TV9. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.