UPI Rule Change: A big change is being made by the National Payment Corporation of India for UPI users and the daily payment limit in some categories is being increased to Rs 10 lakh. According to the circular issued in the month of August, this change is being implemented from September 15.
The National Payments Corporation of India (NPCI) had announced an increase in the limit of UPI transactions in several categories, which is going to be effective from today. Taking a big step towards making high value digital transactions easier through Unified Payment Interface, NPCI has increased the transaction limit to Rs 10 lakh. These important changes in the rules of UPI payment are coming into effect from 15 September 2025. After this, now in insurance, capital market, loan EMI and travel categories, transactions of up to Rs 5 lakh per transaction, while up to Rs 10 lakh daily can be done.
Where will the new limit be applicable?
The new limit for UPI payments will be effective on person-to-merchant (P2M) payments. This means that this change will be applicable on payments to verified merchants and organizations. Under this, in some categories, a maximum of Rs 5 lakh, while in some, a maximum of Rs 10 lakh can be done daily.
In a circular issued on 24th August, NPCI informed about this change and said that UPI has now become the most preferred payment mode and in view of the increasing demand for large transactions, this step of increasing the daily limit of UPI payment is being taken. This increased limit will be applicable to the organizations falling under the category of tax payment up to Rs 5 lakh.
This change in UPI payment limit
| Capital Market Investments | Rs 5 lakh per transaction | Daily limit is Rs 10 lakh |
| Insurance Payment | Rs 5 lakh per transaction | Daily limit is Rs 10 lakh |
| GeM Transactions | Rs 5 lakh per transaction | Daily limit is Rs 10 lakh |
| Travel Payment | Rs 5 lakh per transaction | Daily limit is Rs 10 lakh |
| Credit card bill payment | Rs 5 lakh per transaction | Daily limit is Rs 6 lakh |
| Merchant Payments | Rs 5 lakh per transaction | No daily limit |
| Jewellery Payment | Rs 2 lakh per transaction | Daily limit is Rs 6 lakh |
| Forex Retail (BBPS) | Rs 5 lakh per transaction | Daily limit is Rs 5 lakh |
| Digital account opening | Rs 5 lakh per transaction | Daily limit is Rs 5 lakh
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No change in P2P payment limit
Let us tell you here that there has been no change in the limit of sending money from one person to another through Person-to-Person (P2P) and it will remain Rs 1 lakh per day as before. This change in UPI payment limit by NPCI is a relief especially for those UPI users who earlier had to make not one but several transactions or had to resort to alternative banking channels to make big payments. After this change, they will be able to easily make high value transactions.
