UPI Payment Limit: There is great news for crores of users who make digital payments. The National Payments Corporation of India (NPCI) has announced to increase the limit of UPI transactions. Now payments of up to Rs 10 lakh can be made in a day in categories like insurance, capital market, loan EMI and travel. These changes will come into effect from September 15, 2025.
No change on person-to-person
It is worth noting that these changes will apply only to person-to-merchant (P2M) payments. That is, the new limit will apply to payments made to merchants or institutions. At the same time, the limit for person-to-person (P2P) i.e. sending money from one person to another will remain the same as before – Rs 1 lakh per day.
How much limit will be there in which categories?
NPCI has made major changes in 11 categories by increasing the limits of UPI.
| Capital Market (Investment) | ₹5 Lakh | ₹10 Lakh |
| Insurance | ₹5 Lakh | ₹10 Lakh |
| Government e-Marketplace (EMD) | ₹5 Lakh | ₹10 Lakh |
| Travel | ₹5 Lakh | ₹10 Lakh |
| Credit Card Payment | ₹5 Lakh | ₹6 Lakh |
| Collections | ₹5 Lakh | ₹10 Lakh |
| Jewellery | ₹2 Lakh | ₹6 Lakh |
| Business/Merchant | ₹5 Lakh | , |
| Forex Payment (BBPS) | ₹5 Lakh | ₹5 Lakh |
| Digital account opening | ₹5 Lakh | ₹5 Lakh |
| Digital Account Opening (Initial Funding) | ₹2 Lakh | ₹2 Lakh |
Big benefit in insurance and investment
Earlier the limit for insurance premium and capital market investment was only ₹2 lakh. Now it has been increased to ₹5 lakh per transaction and ₹10 lakh per day. This will make it easier for customers to make large premiums or high-value investments.
Travel and government payments
Now in the travel sector, payment of up to ₹5 lakh can be made at a time, whereas earlier the limit was only ₹1 lakh. Similarly, for government e-marketplace and tax payments, the new limit will be ₹5 lakh per transaction and ₹10 lakh per day.
Credit card bills and jewelry
The new limit for credit card bill payment is ₹5 lakh per transaction, while the maximum amount that can be paid in 24 hours is ₹6 lakh. The limit for buying jewellery has also been increased to ₹2 lakh per transaction and ₹6 lakh per day.
IPO and other payments
If you want to invest in IPO, keep in mind that the limit will remain the same here – ₹ 5 lakh per transaction. The new limit of ₹ 10 lakh will not apply to IPO. Also, a limit of ₹ 5 lakh has now been fixed for digital account opening and forex payments.
Will there be any additional charge?
NPCI has clarified that when the new limits are implemented, customers will not have to pay any extra charge. This means that even large amounts can now be paid without any extra fee.
What will be the benefits of the new limit?
- Big insurance premiums and loan EMIs can be paid in one go.
- Stock market investments and payment of government fees will become easier.
- Expensive travel bookings and jewellery purchases can now be made directly through UPI.
- Users will not have the problem of making payments in small installments.
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