UPI does not have one universal personal limit that every user can change in an app. NPCI sets category-level ceilings, banks can apply lower internal limits, and your app, account and transaction eligibility determine what is available to you. Check your UPI app’s account or payment-management controls and your bank’s official guidance; menu names and options vary.
How UPI transaction limits work
Three layers can affect the amount you can send: the NPCI ceiling for a transaction category, your bank’s internal limit, and eligibility rules applied by your bank or UPI app. A published ceiling is a maximum allowed for a category, not a promise that your account can send that amount or that you can raise its limit yourself.
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| Transaction type | NPCI ceiling described in the cited guidance | Qualification |
|---|---|---|
| Normal UPI transfer | Up to ₹1 lakh per transaction | NPCI’s FAQ gives this general ceiling; it is not a guaranteed personal limit. |
| Capital markets, collections, insurance and foreign inward remittances | Up to ₹2 lakh per transaction | These categories are listed in NPCI’s FAQ; category and account eligibility apply. |
| IPO and Retail Direct Scheme | Up to ₹5 lakh per transaction | NPCI’s FAQ lists these specific categories. |
| Tax-payment-aligned categories | Up to ₹5 lakh per transaction | NPCI’s 28 August 2025 circular applies the ceiling to verified merchants and says banks may set internal limits within NPCI ceilings. |
NPCI’s 28 August 2025 circular says person-to-person limits continue under existing guidelines. The category increases should not be read as a general increase to every user’s everyday transfer limit.
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How do I change my UPI limit?
Start with the UPI app and bank that hold the relevant account. There is no verified menu sequence that works across all apps and banks, and the available controls may differ.
#1 Best Overall
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- Open the UPI app you use for the account and look for its bank-account, payment, or limit-management area. Check the app’s own help if the label is unclear.
- Check your bank’s official app, website help, or customer support for any account-level UPI cap or restriction. Ask whether the limit is bank-set, category-specific, temporary, or eligible for a change.
- Compare the amount you are trying to send with the NPCI ceiling for that transaction category. A bank may impose a lower internal limit, and the app may not let you override it.
- If the transaction is eligible but still fails, follow the bank’s stated process rather than repeatedly retrying or assuming a higher category ceiling changes your personal limit.
The Reserve Bank of India’s 8 August 2024 policy announcement described an increase in tax-payment limits from ₹1 lakh to ₹5 lakh per transaction and proposed delegated payments. For the later implementation detail on tax-aligned categories, see NPCI’s 28 August 2025 circular.
How can I stop UPI payments from my account?
First identify what is authorizing the payment. A linked bank account, a recurring AutoPay mandate and delegated access are different permissions, so removing or changing one does not necessarily cancel the others.
Rank #2
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Check linked bank accounts
In the UPI app, inspect the bank-account management area to see which accounts are linked. Use the app’s supported controls if you want to unlink an account. If you need to block or change a bank-level restriction, contact the bank or follow its official instructions; account removal is not presented identically in every app.
Review AutoPay mandates
AutoPay is a recurring authorization, not a change to the general per-transaction UPI ceiling. NPCI’s 7 October 2025 circular places mandate lifecycle controls in “Manage Bank accounts” or a dedicated “UPI Autopay” section. It lists options to view or port active mandates and to revoke, pause or modify them. Check the labels and available actions in your app, since implementation can vary.
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Understand delegated access
Delegated payments let a secondary user make payments using authority granted by a primary user; they are distinct from linking that user’s own bank account or setting a recurring mandate. The RBI’s 8 August 2024 policy announcement describes the primary user setting a transaction limit for another person on the primary user’s bank account.
Terms are feature-specific. NPCI BHIM Services Limited’s 25 November 2025 announcement says BHIM UPI Circle Full Delegation allows the primary user to set a monthly spending limit up to ₹15,000 and an expiry period up to five years. Those limits describe this BHIM feature, not ordinary UPI transfers or every app’s delegated-payment options. Review the app’s controls for the secondary user and revoke or change the delegation there if supported.
Quick Recap
Rank #4
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- 【Plug & Play Multi-OS Reader】No driver needed for immediate use. Works on Windows, mac OS, Linux and Android devices. Standard CCID hardware compatible with common card management tools. Please be aware that third-party decoding software and official card middleware are not included in the package.
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Protect your UPI account and PIN
- NPCI says the UPI PIN authorizes bank transactions and warns users not to share it. Enter it only when you intend to authorize a payment.
- If your phone is lost, contact your bank promptly, as NPCI advises, and follow its instructions for securing access to the account.
- Repeated incorrect PIN entries may temporarily block outgoing payments, depending on the bank. Use the bank’s recovery instructions rather than guessing repeatedly.
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