referenceMoney

What is the UPI limit?

Updated 21 September 2026

Janooji in 10 seconds

There is no single UPI limit for every payment. NPCI publishes product ceilings (including a common ₹1 lakh cap on many person-to-person transfers), and your bank can set a lower daily or per-transaction limit. Check the limit screen inside your UPI app or net banking — that is the number that actually applies to you.

What this means

If a payment fails with a limit error, it is usually your bank's daily cap, not 'UPI being down'.

People search 'UPI limit' expecting one rupee figure. In practice you hit whichever is lower: NPCI's product cap, your bank's cap, or a category cap (for example some merchant or IPO flows differ from a simple P2P send).

Janooji will not quote a 'today's UPI limit' as if it were a live RBI ticker. When we publish a numbered limit, it will be tied to a dated NPCI or bank circular.

Sources

NPCI (opens in a new tab) · Official
UPI product documentation
Accessed 21 September 2026
Reserve Bank of India (opens in a new tab) · Government
RBI
Accessed 21 September 2026

What is the UPI limit?

What this means

Sources

Related questions

What is the UPI limit?

What this means

Sources

Related questions