NPCI’s published UPI FAQ sets a general ceiling of up to ₹1 lakh per transaction, with higher ceilings for certain payment categories. A later NPCI circular dated 28 August 2025 raised limits to ₹5 lakh for specified tax-aligned payments to verified merchants. Your bank may set a lower limit. On fees, NPCI specifically says customers pay no charge for PPI-on-UPI transactions; that statement does not establish that every UPI-related service or payment route is free.
What is the UPI transfer limit?
NPCI’s UPI FAQ states a normal ceiling of up to ₹1 lakh per transaction. It also lists higher ceilings for specified categories. These are NPCI ceilings, not a promise that your bank or app will let you send the full amount: banks may apply lower internal limits or other controls.
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| Payment type | NPCI-published ceiling | Qualification |
|---|---|---|
| Normal UPI transaction | Up to ₹1 lakh per transaction | NPCI FAQ; your bank or app may impose a lower limit. |
| Capital markets, collections, insurance, and foreign inward remittances | Up to ₹2 lakh per transaction | Specified categories listed in NPCI’s FAQ; eligibility and bank limits apply. |
| IPO and Retail Direct Scheme transactions | Up to ₹5 lakh per transaction | Categories listed in NPCI’s FAQ; this is not a general UPI transfer limit. |
| Specified tax-aligned categories | Up to ₹5 lakh per transaction | NPCI circular dated 28 August 2025; enhanced ceiling applies to merchants categorized as “Verified Merchant.” Member banks may set internal limits within NPCI ceilings. |
The higher ceilings apply to their named categories only. In particular, the 2025 circular does not make ₹5 lakh the limit for ordinary UPI transfers. Check with your bank or app if a payment is close to a ceiling or its category eligibility is unclear.
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NPCI sets system ceilings, while member banks may set their own internal limits within those ceilings. The limit available to you can therefore depend on your bank’s rules and the transaction type. A category ceiling does not guarantee that your account can send that amount.
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- Confirm the sending limit and any applicable controls with your bank.
- Check that the payment is being made under the category you expect; higher ceilings do not apply to every transfer.
- For a tax-aligned payment under the 2025 circular, confirm that the merchant is categorized as a Verified Merchant.
Are UPI payments free?
NPCI’s FAQ directly addresses customer charges for PPI-on-UPI: “There are no charges to be paid by the customer/ PPI holder for UPI transactions.” It also says a customer pays no charge for receiving UPI transactions from PPIs. These statements concern PPI-on-UPI; they should not be read as a complete fee schedule for every UPI payment route, app, merchant arrangement, or related service.
The cited NPCI material does not establish a comprehensive current schedule covering every ordinary bank-account UPI payment or funding source. If you see a fee, review the payment details and ask your bank or app what it covers. It may relate to the payment route, a wallet or PPI funding arrangement, or a separate service rather than a general UPI customer charge.
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Is UPI Cash Point withdrawal covered by the same limit and fee rules?
No. UPI Cash Point is a separate cash-withdrawal service at authorized business-correspondent outlets, not a standard person-to-person or merchant payment. NPCI’s UPI Cash Point page gives a limit of ₹5,000 per transaction.
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What should I check before sending a large UPI payment?
- Identify the payment route and purpose: an ordinary transfer, a specifically eligible higher-limit category, or a Cash Point withdrawal have different ceilings.
- Check your bank’s current limit and any account-specific restrictions.
- If relying on a category-specific ceiling, confirm that the payment and recipient meet its eligibility conditions, including Verified Merchant status for the enhanced tax-aligned limit.
- Review any displayed charge and confirm with your bank, app, or Cash Point outlet what it covers before proceeding.
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