There is great news for those who make payments through UPI. The National Payments Corporation of India (NPCI) has announced an increase in the UPI transaction limit. Under these new rules, which will come into effect from September 15, 2025, users will now be able to make payments up to ₹ 10 lakh in certain categories.
This big change will apply only to merchant-to-person (P2M) payments, while the daily limit for person-to-person (P2P) payments will remain at ₹ 1 lakh. This step is a big step towards making digital payments even easier and safer. Let us know in which sectors this limit has been increased.
The UPI payment limit has been increased in these areas
NPCI has increased the limit of UPI in several key areas so that large transactions can also be done easily. In capital markets and insurance, the limit per transaction has increased from ₹ 2 lakh to ₹ 5 lakh, and the daily limit has been increased to ₹ 10 lakh.
In the government e-marketplace and tax payments, now up to ₹5 lakh can be paid per transaction, which was only ₹1 lakh earlier. In travel and tourism, the limit per transaction has been increased to ₹5 lakh, and the daily limit to ₹10 lakh. In credit card bill payment, up to ₹5 lakh can be paid at a time, while the daily limit is up to ₹6 lakh.
In loan and EMI collection, the limit per transaction has been increased to ₹5 lakh, and the daily limit to ₹10 lakh. In the purchase of jewelry, the daily limit has been kept at ₹2 lakh per transaction, and the daily limit has been kept at ₹6 lakh. In banking services (FD / term deposit), now payment of up to ₹5 lakh per transaction is possible, which was earlier ₹2 lakh. A new limit of up to ₹5 lakh per transaction has been set in foreign exchange payment (BBPS).
What benefits will users and merchants get
This decision of NPCI will bring many big benefits to both users and merchants. Now there will be no need to divide large payments into smaller parts, which will save both time and effort. Insurance premiums, loan EMIs, and large investments will now be done very easily through UPI. Payments will become even faster and smoother with real-time settlement.
It will become more convenient than ever for merchants to accept and collect high-value payments. This change will give a new direction to India’s digital payment ecosystem. Now, even large transactions will be faster and safer than ever, which will benefit both customers and merchants.