UPI transaction limits for these categories set to change from September 15, 2025; see the list

Sep 9, 2025

Synopsis
NPCI is set to increase UPI transaction limits for specific categories, effective September 15, 2025. Payments like insurance premiums and capital markets will see per-transaction limits rise to ₹5 lakh, with a daily cumulative limit of ₹10 lakh. This enhancement aims to facilitate larger transactions and reflects UPI's growing prominence as a preferred payment method.

NPCI’s increased transaction limit of Rs 5 lakh for categories like insurance premiums, capital markets, credit card bills, etc, will come into effect from September 15, 2025. Apart from that, the enhanced aggregate transaction limit for 24 hours for 12 other categories will also be implemented on the same day.

In a statement, NPCI has said that the increased limit will be applicable to entities under categories aligned to tax payments to Rs 5 lakh. After the increased limit comes into effect, government e-market place, travel and business/merchant-related transactions will also have a limit of Rs 5 lakh.

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According to a statement from the NPCI website, “NPCI has increased the per transaction limits for entities under categories aligned to Tax Payments to 5 lakh. With UPI emerging as a preferred payment method, there are requirements from the market on extending higher per transaction limits for additional categories of transactions in UPI.”

Even after the changes, the per-transaction limit for P2P transactions will continue as per the existing guidelines. For regular UPI transactions, the limit remains up to Rs 1 lakh per transaction.

According to a BHIM social media post on X (formerly Twitter), “Effective from 15th September, now make high-value payments seamlessly with UPI! NPCI has increased the transaction limit to Rs 10 lakh within 24 hours for categories like insurance premiums & capital markets, making big payments easier and faster than ever.”

Unified Payments Interface (UPI) is developed by the National Payments Corporation of India (NPCI), an RBI-regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties' bank accounts.

UPI transaction limits to come into effect from September 15, 2025
 

[The Economic Times]