UPI Rule Change: Transaction Limit Increased
UPI New Rules from September 15: Transaction Limit Increased to ₹10 Lakh for Select Sectors: In a major move to boost digital payments, the National Payments Corporation of India (NPCI) has announced significant changes to UPI transaction limits, set to take effect nationwide from September 15, 2025. The revised rules aim to streamline high-value transactions and cater to the growing digital economy.
Under the new guidelines, the daily UPI transaction limit has been raised to ₹10 lakh, but this enhancement is limited to Person-to-Merchant (P2M) payments and select sectors. The Person-to-Person (P2P) transaction limit will remain unchanged at ₹1 lakh per day.
Sector-Wise UPI Limit Updates:
- Capital Market & Insurance: ₹5 lakh per transaction; ₹10 lakh per day
- Government e-Marketplace & Tax Payments: ₹5 lakh per transaction (up from ₹1 lakh)
- Travel Sector: ₹5 lakh per transaction; ₹10 lakh per day
- Credit Card Bill Payments: ₹5 lakh per transaction; ₹6 lakh per day
- Loan EMI & Collections: ₹5 lakh per transaction; ₹10 lakh per day
- Jewelry Purchases: ₹2 lakh per transaction; ₹6 lakh per day
- FD/Term Deposit Payments: Increased from ₹2 lakh to ₹5 lakh per transaction
- Foreign Exchange via BBPS: ₹5 lakh per transaction
Benefits of the New UPI Rules:
- Easier high-value payments without breaking them into multiple transactions
- Faster, smoother, and more reliable digital payment experience
- Reduced dependency on third-party payment gateways for merchants
- Improved real-time processing for sectors like insurance, travel, and investments
These changes are expected to make UPI a more robust platform for both everyday users and businesses, further cementing India’s position as a global leader in digital payments.
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