UPI Limit Checker
Your transaction
NPCI caps this at ₹5,000.
Tax, insurance, credit card bill, verified merchant.
Result
Remaining today (this rule): ₹95,000
| Rule | Limit | Status |
|---|---|---|
| NPCI daily limit | ₹1,00,000 | OK |
| Google Pay transactions/day | 10 | OK |
| State Bank of India internal cap | ≤ ₹1,00,000 (bank-set, may be lower) | Info |
Google Pay caps P2P transfers at 10 per day inside the app, on top of the ₹1,00,000 NPCI daily ceiling.
What Are UPI Transaction Limits?
NPCI (the National Payments Corporation of India, which runs the UPI network) sets a default ceiling of ₹1,00,000 per day for person-to-person UPI transfers. Certain NPCI-notified categories — credit card bill payments, tax payments, insurance premiums, and registered/verified merchant categories — can go up to ₹5,00,000 per day. A newly added payee or a new device is capped at ₹5,000 for the first 24 hours — an NPCI-mandated fraud control, the same for every app.
The August 2025 Balance-Check Rule
Since 2025-08-01, NPCI caps "Check Balance" requests at 50 per app per customer per day — a technical load control on the Check Balance API, unrelated to how much money you can send. It does not reduce any of the payment limits above.
Full UPI Limits Table
| Rule | Limit |
|---|---|
| NPCI default (P2P) | ₹1,00,000/day |
| High-value categories | ₹5,00,000/day — Credit card bill payment, Income tax payment, Insurance premium, Mutual fund / capital markets, Verified merchant (registered category) |
| New payee/device | ₹5,000 for the first 24 hours |
| Google Pay | ₹1,00,000/day, max 10/day |
| PhonePe | ₹1,00,000/day |
| Paytm | ₹1,00,000/day, max 20/day, max 5/hour |
| BHIM | ₹1,00,000/day |
| Balance checks (per app, since Aug 2025) | 50/day |
App-level counts are published in each app's own help center and can change without notice — this is a reference table, not a live feed. Your bank may set its own cap below the NPCI ceiling.
Related UPI tools
- UPI ID Checker — validate a UPI ID's format, handle, and bank.
- UPI ID Generator — fictional test UPI IDs by handle and style.
- UPI Handle Directory — every known handle, searchable.
See the rest of the cluster on the UPI Tools hub.