How to Increase Your Daily UPI Transfer Limit

1. How to Increase Your Daily UPI Transfer Limit Unified Payments Interface (UPI) has become the go-to mode of digital payments in India. Whether it’s paying at a shop, transferring rent, or sending money to family, UPI makes it easy, fast, and secure. However, many users discover the hard way that there is a daily UPI transfer limit — and once you hit that limit, your transactions start getting declined. But what if you need to transfer more than the set limit? Let’s explore how you can understand, manage, and even request to increase your daily UPI transfer limit. What is the UPI Daily Transfer Limit? The UPI daily transfer limit refers to the maximum amount you can send in a single day using UPI. This limit is set by the National Payments Corporation of India (NPCI) and is also influenced by your bank’s internal policies. Currently, NPCI allows UPI transactions up to ₹1 lakh per day per user, but some banks and apps impose lower limits — sometimes ₹25,000, ₹50,000, or ₹1 lakh — depending on their risk assessments and customer profile. The limit is usually split into: ● Per transaction limit: maximum you can send in one transfer. ● Daily cumulative limit: maximum you can transfer in a calendar day, across all UPI payments. Why Is There a Limit? Many people wonder why UPI has limits at all. Here’s why: ● To prevent fraud and misuse of accounts. ● To protect customers if their phone or account is compromised. ● To manage the load on banking infrastructure. ● To comply with anti-money laundering and KYC norms.

2. So while the limit might seem restrictive at times, it’s there to keep the system safe and stable for everyone. When Do You Need a Higher Limit? Here are a few situations when you might feel the need to raise your daily UPI transfer limit: ● Paying large tuition fees or medical bills. ● Buying expensive products or appliances. ● Transferring higher rent or property advance payments. ● Making large vendor or supplier payments if you run a small business. If your lifestyle or business needs regularly exceed your bank’s default UPI cap, you can take steps to adjust it. How to Check Your Current Limit? Before asking for an increase, find out what your current UPI limit is. ● Open your UPI app (like Google Pay, PhonePe, Paytm, BHIM). ● Go to settings, help, or account details. ● Many apps mention the daily and per-transaction limit. ● You can also call or visit your bank branch to confirm the exact cap set for your account. Steps to Request an Increase in UPI Daily Limit If you genuinely need a higher limit and have a good account history, most banks will consider your request. Here’s how: 1. Contact Your Bank Visit your bank’s branch and ask for the UPI limit enhancement form or speak to the relationship manager. 2. Submit a Request You may be asked to fill out a request form explaining why you need a higher limit, and for what type of transactions.

3. 3. Provide Documents (if needed) For higher limits (like above ₹1 lakh in some cases), the bank may ask for income proof, invoice copies, or business details. 4. Wait for Approval Once submitted, the bank reviews your request and, if approved, updates your UPI limit in their system. You’ll usually receive a confirmation via SMS or email. Tips to Manage UPI Limits Wisely Even if you don’t increase your limit, here are some smart ways to work around it: ● Plan big payments early in the day, so you don’t exceed your cap. ● If you have multiple accounts or apps, split the amount across them. ● For very high-value payments, consider using NEFT, RTGS, or IMPS instead. ● Keep track of your UPI usage during the day through your app to avoid surprises. Things to Keep in Mind While increasing your limit may seem convenient, it comes with responsibilities: ● Higher limits may attract more scrutiny from banks and regulators. ● Ensure your phone, UPI PIN, and account are secure to avoid misuse. ● Don’t approve suspicious requests or unknown payment mandates. Also note that NPCI’s overall cap per transaction (currently ₹1 lakh for most users) applies even if your bank allows more, unless you belong to specific categories like corporate or special merchant accounts. Conclusion The daily UPI transfer limit is there to safeguard your money and the system. But if your needs have grown, you don’t have to feel restricted — banks do offer ways to raise your limits if you meet their requirements. Start by understanding your current limit, speaking to your bank, and providing the necessary documents. And remember to stay vigilant about security, especially if you move large sums through UPI.

4. By planning ahead and knowing your options, you can enjoy the speed and convenience of UPI — without worrying about hitting a ceiling. If you often find yourself crossing the limit, take action today to align your UPI capabilities with your financial needs — securely and confidently.