UPI New Transaction Limits from September 15, 2025

UPI New Transaction Limits:

Unified Payments Interface (UPI) has become the most popular digital payment system in India. It allows people to transfer money instantly without visiting a bank or ATM. With just a mobile app, users can pay bills, send money, or shop online within seconds. Because of its convenience, millions of Indians use UPI every day for their financial needs.

UPI New Transaction Limits:

From September 15, 2025, the Reserve Bank of India (RBI) and the National Payments Corporation of India (NPCI) will introduce new rules for UPI transactions. These rules will increase the transaction limits in many categories, making digital payments even easier for people and businesses.

Here are the key changes in UPI limits:

Credit card bill payments: Now users can pay up to ₹5 lakh per transaction and a maximum of ₹5 lakh per day.

Loans and EMIs: Customers can make payments of ₹5 lakh in a single transaction and up to ₹10 lakh in one day.

Investments and insurance: Earlier, the limit was only ₹2 lakh. From September 15, it will increase to ₹5 lakh per transaction and ₹10 lakh daily.

Travel industry payments: Users can pay up to ₹5 lakh per transaction for bookings and other travel-related expenses.

Tax payments: Earlier, the maximum limit was ₹1 lakh per transaction. Now, it has been raised to ₹5 lakh.

Banking services (digital onboarding): The limit has been revised from ₹2 lakh to ₹5 lakh per transaction, with the same daily cap.

These changes will give customers more flexibility to handle large payments digitally without visiting a bank. It will also help businesses, especially in sectors like insurance, travel, and investments, where higher payments are common.

UPI has already transformed how India makes payments. With these new limits, it will become even more powerful and user-friendly. From paying small grocery bills to managing big investments, UPI continues to be a reliable and fast way of handling money.

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