UPI Transaction Limits Hiked from Sept 15 : Payments Up to ₹10 Lakh Allowed

Starting September 15, 2025, the National Payments Corporation of India (NPCI) will introduce new rules for Unified Payments Interface (UPI), increasing transaction limits for specific high-value categories.

With this update, users can transfer up to ₹10 lakh in 24 hours for verified merchant payments. However, the regular person-to-person (P2P) transfer limit stays at ₹1 lakh per day. Banks can still set their own lower limits if needed.

Key changes in UPI limits

• Capital market investments & insurance

  Limit raised from ₹2 lakh to ₹5 lakh per transaction, with a ₹10 lakh daily cap.

• Government e-marketplace (EMD & tax payments)

  Now ₹5 lakh per transaction, up from ₹1 lakh.

• Travel bookings 

  Limit raised from ₹1 lakh to ₹5 lakh per transaction, with a maximum of ₹10 lakh per day.

• Credit card bill payments 

  Can now be made up to ₹5 lakh in a single payment, but capped at ₹6 lakh daily.

• Loans and EMI collections 

  Increased to ₹5 lakh per transaction and ₹10 lakh per day.

• Jewellery purchases 

  Enhanced from ₹1 lakh to ₹2 lakh per transaction, with a daily limit of ₹6 lakh.

• Banking services (term deposits via digital onboarding) 

  Transaction cap revised to ₹5 lakh, up from ₹2 lakh earlier.

• Forex payments through BBPS 

  Now allowed up to ₹5 lakh per transaction as well as per day.

• Digital account opening

  Remains unchanged at ₹2 lakh.
   

Why this matters

These changes make it easier for people to pay large bills like insurance premiums, EMIs, investments, travel, and taxes without splitting transactions. For merchants, it ensures faster and smoother digital checkouts with instant settlements.

Also Read: Tata Motors Reduces Car Prices by Up to ₹1.55 Lakh After GST Cut!

Conclusion

With UPI’s new rules, making big-ticket payments up to ₹10 lakh will become hassle-free. This step will improve convenience for users and efficiency for businesses, strengthening India’s digital payment ecosystem.

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