What’s inside:
This article shares important updates about UPI transaction limits and how they will change from September 15, 2025.
The National Payments Corporation of India (NPCI) has announced new rules for UPI transactions that will start on September 15, 2025. These changes will benefit everyone, from everyday users to shopkeepers and large businesses.
The NPCI has increased the transaction limits for several important categories related to UPI. For example, you can now make larger payments for capital market investments, insurance premiums, credit card bills, travel, and more, with a higher limit of ₹ 5 lakh per transaction. In some cases, you can even do a total of ₹ 10 lakh in a day.
Here are the new transaction limits that will be effective from September 15, 2025: Capital Market Investment, Insurance Premium, Travel Payments, and Government E-Marketplace (GEM) all have a limit of ₹ 5 lakh per transaction and a maximum of ₹ 10 lakh per day. Credit card bill payment and jewellery purchase will have limits of ₹ 5 lakh per transaction and ₹ 6 lakh per day. Business transactions can be up to ₹ 5 lakh with no daily limit.
It’s important to note that regular UPI transactions, like sending money to friends or family, will still have the same daily limit of ₹ 1 lakh. The increased limits mainly apply to larger financial transactions and not everyday transfers.
This change aims to support the growing digital economy and make big payments easier through UPI, replacing methods like RTGS and NEFT. Expect to see UPI becoming more popular for various financial activities, not just small payments.
Summary:
- New UPI transaction limits will start on September 15, 2025.
- Higher limits for capital market investments, insurance, and travel payments.
- ₹ 5 lakh per transaction and ₹ 10 lakh per day in specific categories.
- Regular UPI transfers remain unchanged at ₹ 1 lakh per day.
- The changes aim to support a growing digital economy.
