UPI has become the go-to mode for digital payments in India, and now it just got even more powerful. The National Payments Corporation of india (NPCI) has announced an increase in UPI transaction limits across several categories. From September 15, 2025, higher-value transactions will become much easier. Here’s the complete breakdown.

1. Big Payments Made Easy – Up to Rs 5 Lakh Per Transaction

Earlier, certain categories like capital market, insurance, and travel had a cap of Rs 2 lakh per UPI transaction. From september 15, the limit is now Rs 5 lakh per transaction.

💡 Additionally, for these sectors, the 24-hour cumulative limit has been set at Rs 10 lakh, allowing multiple large transactions in a single day.

2. Credit Card Bill Payments – More Freedom

Paying credit card bills just got simpler:

• Per transaction limit: Rs 5 lakh
• Daily cumulative limit: Rs 6 lakh

This means high-value credit card payments no longer require multiple smaller transactions or alternative payment modes.

3. Collections and Merchant Payments – Rs 10 Lakh Daily

For collections, businesses can now receive up to Rs 10 lakh per day via UPI. This is ideal for retailers, service providers, and businesses managing high-volume payments efficiently.

4. Jewellery & wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital Account Opening

• Jewellery purchases: Rs 2 lakh per transaction, Rs 6 lakh daily limit
• Digital account funding: Up to Rs 5 lakh per transaction for general top-ups
• Initial account funding: Limited to Rs 2 lakh for safety reasons

This allows both consumers and fintech platforms to handle high-value transactions seamlessly.

5. FX Retail & business Payments – High-Value Transactions Now Simple

For foreign exchange (FX) retail services like currency exchange and foreign remittance, users can transact up to Rs 5 lakh.
Similarly, business and merchant payments now enjoy the same Rs 5 lakh per transaction limit, simplifying payments for commercial purposes.

6. Who Benefits from the Higher Limit?

• Only verified merchant accounts can utilize the increased limits.
• P2P (person-to-person) transfers still remain capped at Rs 1 lakh per day.
• Banks and payment apps can maintain their own internal limits, but they cannot exceed NPCI’s new maximum.

💡 This ensures safety while providing flexibility for verified high-value users.

7. Why NPCI Increased UPI Limits

UPI has grown to become India’s most popular payment mode, with millions relying on it for daily transactions and investments.

High-value categories like:

• Insurance premiums
• Capital market investments
• Travel bookings

…demand a more convenient way to transact digitally. Recognizing this, NPCI increased the limits to reduce dependency on bank transfers and cheques, making UPI even more efficient and user-friendly.

8. Bottom Line

From September 15, 2025, UPI is no longer just for everyday payments. With per transaction limits up to Rs 5 lakh and daily cumulative limits reaching Rs 10 lakh in select categories, high-value payments are now simpler, safer, and faster.

✅ Verified merchants, businesses, and fintech users stand to gain the most.
✅ Common users (P2P) will continue with the standard Rs 1 lakh limit.

UPI is truly becoming a one-stop solution for all payment needs in India.

Disclaimer:

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