Starting September 15, 2025, the National Payments Corporation of India (NPCI) has officially increased UPI transaction limits for select high-value categories. This move empowers users to make larger payments instantly—without switching to net banking or RTGS.
If you’ve ever had to split a payment or wait for NEFT clearance, this update is a game-changer.
New UPI Transaction Limits – Category-Wise Breakdown
Here’s the updated list of categories where you can now pay up to ₹5 lakh per transaction, and in some cases, up to ₹10 lakh per day:
Note: Person-to-Person (P2P) transfers remain capped at ₹1 lakh per day.
Who Can Use These Limits?
These enhanced limits apply to:
- Verified merchants only
- UPI apps and banks compliant with NPCI guidelines
- Users making payments in the above categories
Banks may still set internal limits based on their policies, but they must stay within NPCI’s ceiling.
Why This Matters
- No more splitting payments for insurance or IPOs
- Faster checkout for high-value travel and jewellery purchases
- Seamless credit card bill payments via UPI
- Boosts digital adoption in traditionally offline sectors
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Final Takeaway
With UPI now supporting ₹5 lakh transactions for key categories, digital payments in India just got a major upgrade. Whether you're investing, insuring, or booking travel, you can now pay instantly and securely—without worrying about limits.