The National Payments Corporation of India (NPCI) is introducing new UPI transaction rules starting September 15, 2025. These changes mainly affect high-value payments in some specific sectors while keeping regular daily UPI limits unchanged for most users.
Higher Limits for Select Categories
From September 15, the per-transaction and daily limits for certain transactions will increase significantly:
- Capital Market Investments and Insurance: Limits rise from ₹2 lakh to ₹5 lakh per transaction, with a daily cap of ₹10 lakh.
- Government e-Marketplace (GeM) and Tax Payments: The per-transaction limit increases from ₹1 lakh to ₹5 lakh.
- Travel Bookings: Limits jump from ₹1 lakh to ₹5 lakh per transaction, with a daily cap of ₹10 lakh.
- Credit Card Bill Payments: Per-transaction limit up to ₹5 lakh, with a daily maximum of ₹6 lakh.
- EMI Payments: The per-transaction limit will be ₹5 lakh, with a daily cap of ₹10 lakh.
These higher limits apply only to Person-to-Merchant (P2M) transactions done with verified merchants. The regular Person-to-Person (P2P) UPI transaction limit remains ₹1 lakh per day.
Why These Changes?
The increase aims to make it easier for big businesses and customers to complete high-value payments digitally without breaking them into multiple transactions. This will also improve user convenience during peak seasons such as Diwali when travel and shopping payments surge.
What Stays the Same?
For everyday users and general transactions like sending money to friends or family, the limits remain unchanged at ₹1 lakh per day.
What Users Should Do
- Continue using UPI as usual for daily payments.
- For large payments in travel, insurance, investments, or government services, expect smoother transactions with the new limits.
- Make sure to transact with verified merchants to avail of the higher limits.
Conclusion
With these updated UPI rules, NPCI is strengthening India’s digital payment system. Big transactions become easier and safer, supporting the country’s move toward a cashless economy.
