NPCI Raises UPI Limits on High Value Transactions: Check Full List Here!

The National Payments Corporation of India (NPCI) has significantly increased UPI transaction limits for select categories of digital payments. Effective September 15, 2025, users can now transact up to ₹10 lakh in 24 hours for specific verified merchant categories.

These changes apply exclusively to Person-to-Merchant (P2M) payments involving verified merchants. Person-to-Person (P2P) limits remain unchanged at ₹1 lakh per day. Member banks can further customise limits based on internal risk policies.

Key UPI Limit Enhancements on High Value Transactions

What Do the Revised UPI Limits on High Value Transactions Mean for Users?

This enhancement will allow individuals and businesses to:

• Avoid breaking large payments into smaller transactions
• Make high-value investments or bill payments easily via UPI
• Experience faster, real-time transactions with fewer barriers

Read more: Skipping 1 SIP a Year? Here’s How Much Wealth You Lose.

Conclusion

The NPCI’s move to raise UPI limits is a major leap in enabling secure, high-value digital payments for verified merchants. It improves efficiency, builds trust, and offers more flexibility to users and institutions alike. As these changes roll out from September 15, 2025, ensure your banking app is updated and ready to handle the new limits.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.