The National Payments Corporation of india (NPCI) has announced a major update for Unified Payments Interface (UPI) users, raising the daily transaction limit for person-to-merchant (P2M) payments to Rs 10 lakh for certain categories. Here’s a detailed breakdown.
1. New UPI Transaction Limit
Effective from Monday, september 15, 2025, the daily P2M UPI transaction limit has been increased to Rs 10 lakh. This change applies to specified categories and aims to facilitate larger payments digitally.
2. Purpose of the Increase
The move is designed to:
· Encourage digital payments for high-value transactions
· Reduce dependency on cash payments
· Support businesses, merchants, and high-value consumers
3. Categories Covered
The higher limit applies to specific merchant categories. NPCI has not raised the overall UPI limit for peer-to-peer (P2P) transactions, which remain at existing thresholds, ensuring controlled adoption.
4. Benefits for Merchants
Merchants can now:
· Accept larger payments via UPI
· Reduce transaction delays associated with cheques or cash
· Offer convenient and secure wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital payment options to customers
5. Benefits for Consumers
For customers, the update means:
· Ability to make high-value payments digitally
· Reduced need for physical cash handling
· Faster and safer transactions for purchases like electronics, vehicles, or bulk services
6. Impact on wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital Payments
This change is expected to boost wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital payment adoption, especially among businesses dealing in high-value products or services. It also strengthens the UPI ecosystem as a preferred payment method for large transactions.
7. Security Measures
Despite the increased limit, NPCI emphasizes strong authentication and transaction monitoring to prevent fraud. Users should continue to follow UPI security best practices such as not sharing PINs and verifying merchant details.
8. Key Takeaway
With the daily P2M UPI limit raised to Rs 10 lakh, high-value transactions can now be completed quickly, safely, and digitally. This update is a significant step toward promoting wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital payments across india, benefiting both merchants and consumers alike.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk..jpg)
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