From September 15, 2025, the National Payments Corporation of India (NPCI) has increased the UPI payment limits for certain categories of transactions under Unified Payments Interface, making it more convenient and secure to make high-value digital transactions.
The P2M transaction limit in categories such as insurance premium, investment in capital market, government e-marketplace, travel booking, payment of credit card bills, loan EMI, and purchase of jewellery has been raised to Rs 5 lakh.
The maximum daily limit for most of these categories now stands at Rs 10 lakh, enabling users to make high-value payments smoothly within a window of 24 hours.
Pre-approved merchant payments by merchant/business have a Rs 5 lakh per-transaction limit without any daily limit.
The UPI Person-to-Person (P2P) transaction limit remains at Rs 1 lakh per day.
The above modifications are intended to avoid the hassle of breaking payments and promote more digital transactions for high-value deals.
Capital Markets (Investments)
Transaction limit per transaction: Rs 5 lakh
Daily aggregate limit: Rs 10 lakh
Insurance Payments
Per transaction limit: Rs 5 lakh
Daily aggregate limit: Rs 10 lakh
Government e-Marketplace (GeM) payments (including tax, earnest money deposits)
Per transaction limit: Rs 5 lakh
Daily aggregate limit: Rs 10 lakh
Travel sector payments
Per transaction limit: Rs 5 lakh
Daily aggregate limit: Rs 10 lakh
Credit Card Bill Payments
Per transaction limit: Rs 5 lakh
Daily aggregate limit: Rs 6 lakh
Loan EMI, collections, and other B2B collections
Per transaction limit: Rs 5 lakh
Daily aggregate limit: Rs 10 lakh
Jewellery Purchases
Per transaction limit: Rs 5 lakh
Daily aggregate limit: Rs 6 lakh
Business/Merchant (pre-approved merchants)
Per transaction limit: Rs 5 lakh
No daily aggregate limit (no cap)
FX Retail through Bharat Bill Payment System (BBPS):
Per transaction limit: Rs 5 lakh
Daily aggregate limit: Rs 5 lakh
Digital Account services (term deposits, digital account opening):
Per transaction limit: Rs 2-5 lakh depending on service
Daily aggregate limit: Rs 2-5 lakh depending on service
Person-to-Person (P2P) payments
Per transaction and per day limit do not change at Rs 1 lakh
These higher UPI transaction limits for verified merchants under certain categories were effective from September 15, 2025, enabling consumers to accept high-value digital payments more conveniently and safely.
These upgraded limits are only for authenticated merchants in the mentioned categories, and banks can have lower limits under their risk policies. This step is likely to significantly help users making large value payments online for investments, insurance, travel, government charges, and others.
With these new regulations, UPI continues to lead as the go-to option for smooth, secure, and high-value digital payments throughout India.