How to Increase UPI Limit Online: In India, the majority of citizens are using UPI applications that include PhonePe, Google Pay, Paytm and BHIM to make their daily purchases. But then when we attempt to transfer a lot of money we get such messages like UPI Limit Exceeded or Daily Limit Reached. This makes one ask a general question:
Can we increase the UPI limit online and how does it work?
In this detailed guide, you will learn how to increase your UPI limit using banking options, how the limit works, and the best ways to make high-value payments.
What Is UPI Limit?
UPI limit means the maximum amount of money you can transfer through UPI within one day or in one single transaction. There are two types:
| Limit Type | Description |
|---|---|
| Daily Limit | Maximum amount you can transfer in one day |
| Per Transaction Limit | Maximum amount allowed in a single transfer |
In most banks across India:
- Daily limit: Up to Rs. 1,00,000
- Per transaction limit: Rs. 10,000 to Rs. 1,00,000 (varies by bank)
UPI Limit of Major Indian Banks
Note: UPI limit depends on banks, not the apps.
| Bank Name | Daily UPI Limit | Per Transaction Limit |
|---|---|---|
| SBI | Rs. 1,00,000 | Rs. 1,00,000 |
| HDFC Bank | Rs. 1,00,000 | Rs. 25,000 to Rs. 1,00,000 (conditions apply) |
| ICICI Bank | Rs. 1,00,000 | Rs. 10,000 to Rs. 1,00,000 |
| PNB | Rs. 50,000 | Rs. 10,000 to Rs. 50,000 |
| Bank of Baroda | Rs. 1,00,000 | Rs. 25,000 |
| Axis Bank | Rs. 1,00,000 | Rs. 1,00,000 |
Can You Increase UPI Limit Online?
Yes, UPI limit can be increased, but not through UPI apps. The limit is decided by your bank, and you need to increase it from:
- Mobile Banking App
- Internet Banking
- Bank Branch in some cases
How to Increase UPI Limit Online?
Method 1: Increase UPI Limit Using Bank Mobile App
Most Indian banks provide an option to modify transaction limits from their mobile app.
Steps:
- Open your Bank Mobile App
- Go to the section like Fund Transfer, Payments, or UPI Settings
- Select Change UPI Limit or Set Transaction Limit
- Enter the new limit (example: Rs. 50,000 to Rs. 1,00,000)
- Complete OTP verification
Your limit changes in a few minutes.
Method 2: Increase Using Internet Banking
Steps:
- Login to your Internet Banking account
- Go to Fund Transfer or UPI Services
- Click Set or Modify Transaction Limit
- Enter the new limit
- Submit and verify with OTP
Method 3: Wait for 24 to 72 Hours
In certain cases, a new UPI user may face a lower limit. This happens when:
- You added a new UPI ID
- You linked a new bank account
- You changed your phone or device
In such cases, the UPI limit automatically increases after 24–72 hours.
Method 4: Request Higher Limit from Bank Branch
If you need more than Rs. 1,00,000 per day, you must submit a written request at the bank. Higher limits are usually provided to business users and premium accounts.
Tips for High-Value Transactions When UPI Limit Is Full
- Split the payment into two or more parts.
For example: If the limit is Rs. 1,50,000, send Rs. 75,000 twice. - Try a different UPI app. Sometimes limits differ temporarily.
- Use IMPS, NEFT, RTGS or Internet Banking for larger amounts.
Why Is There a UPI Limit?
UPI limit helps users to be safeguarded against fraud or unintentional excessive payments. In case of mobile theft or when somebody obtains your UPI, you can limit the loss as this security limit causes.
Conclusion
| Question | Answer |
|---|---|
| Can UPI limit be increased online? | Yes |
| Where can it be increased? | Through your bank |
| Does the UPI app increase the limit? | No, only banks control the limit |
| What is the maximum limit? | Usually Rs. 1,00,000 per day |
To increase the UPI limit, use your bank’s Mobile App or Net Banking.
Frequently Asked Questions (FAQ)
Q1. How can I transfer more than Rs. 1,00,000 through UPI?
Use IMPS, NEFT, RTGS, or split the payment into multiple transactions.
Q2. Can Google Pay or PhonePe increase my limit?
No. These apps only follow the limit set by your bank.
Q3. Why is my limit low even though I use UPI regularly?
It may be temporary due to a new device, new UPI, or new account linking.
Q4. Can my UPI limit become zero?
Only in rare cases, usually when your bank detects a fraud attempt or freezes your account.
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Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.