UPI Limit Per Day in 2025 explained in a simple and friendly way by puneripages.in
By Prashant for PuneriPages.in
UPI Limit Per Day 2025: Bhai, Itna Confuse Kyu Hai? Full Seedha Guide Yahaan Hai!
So recently one of my payments via UPI failed, and I was like, “Areee bhai, ₹1 lakh tak toh allowed hai na?” — But guess what? There’s more to the story. And because I know many of you must be facing the same confusion, I sat down and wrote this as if I’m texting it to a friend.
Let’s break this down the way I understood it. No heavy words, no technical terms, just straight talk.
Table of Contents
Toh Pehle Basic Samajh Lo:
Yes, the UPI limit is ₹1 lakh per day, but… and this is a BIG but:
- This ₹1 lakh is like the maximum highway speed — your bank decides how fast you can go.
- First-time users? Even more limited.
- Special payments? Sometimes you can zoom all the way to ₹5 lakh!
So don’t just go by what your friend says, check your own route. Let’s go step by step.
Quick UPI Limit Table (Save This!)
| Limit Type | Amount | Who Decides It? |
|---|---|---|
| Daily Limit (Regular) | ₹1,00,000 | NPCI (but banks can reduce it) |
| Per Transaction Limit | ₹1,00,000 or less | Banks |
| Daily Transactions Count | 20 | NPCI |
| First-Time User Limit | ₹5,000 in first 24 hrs | NPCI |
| Hospital / Education Fees | ₹5,00,000 | NPCI |
| IPO & Stock Payments | ₹5,00,000 | NPCI |
Ab Samjho — Bank Pe Sab Khel Hai
Mujhe laga sabko ₹1 lakh limit milta hai. Par fir dekha:
- Mere dost ka PNB limit: ₹25,000
- Mera HDFC: ₹1 lakh (but only after some usage)
So it totally depends on which bank you use and how active you are.
Popular Banks UPI Limits (Approx, can change anytime):
| Bank Name | Daily UPI Limit |
| SBI | ₹1,00,000 |
| HDFC Bank | ₹1,00,000 (₹50k for new users) |
| ICICI Bank | ₹1,00,000 |
| Axis Bank | ₹1,00,000 |
| PNB | ₹25,000 |
| Bank of Baroda | ₹50,000 |
⚠️ Always check your bank app. This data changes without notice.
Kab Milta Hai ₹5 Lakh UPI Limit?
You must have heard: “Bhai UPI se ₹5 lakh bhej diya!”
Well, it’s TRUE, but only for special cases:
- Paying to hospitals for surgery etc.
- Education fee payments
- IPO applications
But not every UPI app will support this automatically. Mostly banks allow this if you’ve completed KYC and have verified accounts.
FAQs – Apun Style 😎
Q: Paise receive karne ka bhi limit hai kya?
👉 Nahi bhai! UPI receive karne ka koi limit nahi hai.
Q: Limit din bhar ke liye hoti hai ya 24-hour cycle?
👉 24 ghante ka rolling window hota hai. Raat ke 12 baje reset nahi hota.
Q: Apna limit kaise check karein?
👉 Bank app kholo, ek chhoti si payment try karo, limit show ho jaayega. Easy.
Q: Limit cross ho gaya toh?
👉 Payment failed. Chill maaro, 24 ghante ke baad try karo.
Q: Limit badh sakta hai kya?
👉 Auto badhta hai usage ke saath, but manually badhane ka option zyada banks mein nahi hota.
Final Thoughts From Me 👇
Mujhe lagta tha UPI ka system simple hai — but jab payment fail hota hai na, tab lagta hai pura system crack karna padega 😅
So now that I know, I’m sharing this with you. Save it, share it with someone who’s confused about UPI — and trust me, you’ll avoid so many headaches later.
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