Rules Change: National Payments Corporation of India (NPCI) has increased the limit of high-value transactions through UPI to Rs 10 lakh per day. Investment, insurance, travel, loan and credit card payments can now be made easily. At the same time, the P2P Collect feature will be closed from October 1 to prevent fraud.
India’s digital payment system UPI is constantly achieving new heights. The National Payments Corporation of India (NPCI) has now made a big change in it. Under this, users will be able to make high-value transactions of up to Rs 10 lakh daily. At the same time, the P2P Collect Request feature will be completely discontinued from October 1, 2025.
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On which transactions has the limit been increased?
Under the new rules, the payment limit has been increased in several categories:
- Capital Markets & Insurance: ₹5 lakh per transaction and daily cap ₹10 lakh.
- Credit card bill payment: ₹5 lakh per transaction, daily limit ₹6 lakh.
- Jewellery purchase: Per transaction limit ₹2 lakh, daily cap ₹6 lakh.
- Travel booking, loan repayment and Government e-Marketplace: ₹5 lakh per transaction, daily cap ₹10 lakh.
- Hospital and education payments: Daily limit ₹10 lakh, ₹5 lakh per transaction (already in effect).
- Investment in government securities: Daily limit fixed at ₹10 lakh.
No change on P2P transactions
The limit for person-to-person (P2P) payments for common people will remain the same as before at ₹ 1 lakh per day. Its purpose is to keep small and everyday transactions safe.
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