The BRICS TimesDigital payments are set to become more convenient. NPCI has revised UPI rules and increased limits for specific categories, effective September 15.
If you often use UPI for paying insurance premiums, making investments, or shopping online, a crucial update awaits you. Starting September 15, 2025, new rules for UPI transaction limits will come into effect. The National Payments Corporation of India (NPCI) has announced this decision to make high-value digital transactions more seamless and secure.
Until now, the maximum transaction limit for regular UPI payments was ₹1 lakh. However, for certain categories, the cap was far lower, which created difficulties for users. Keeping this in mind, NPCI has now increased the transaction limit for over 12 selected categories to ₹5 lakh. Along with this, the overall daily limit in several categories has also been raised, giving users greater flexibility.
Which categories will be impacted?
The change will directly benefit those who pay insurance premiums, invest in capital markets, settle credit card bills, make purchases through government platforms, or book travel and business services. With the new rules, large payments via UPI in these areas will become smoother and more efficient.
UPI Transaction Limit Chart (Effective from September 15, 2025)
- Capital Market (Investments): ₹5 lakh per transaction, up to ₹10 lakh daily
- Insurance Premiums: ₹5 lakh per transaction, up to ₹10 lakh daily
- Government e-Marketplace (GeM): ₹5 lakh per transaction, up to ₹10 lakh daily
- Travel Bookings: ₹5 lakh per transaction, up to ₹10 lakh daily
- Credit Card Payments: ₹5 lakh per transaction, up to ₹6 lakh daily
- Collections: ₹5 lakh per transaction, up to ₹10 lakh daily
- Jewellery Purchases: ₹5 lakh per transaction, up to ₹6 lakh daily
- Merchant/Business Payments: ₹5 lakh per transaction, no overall limit
- Digital Account Opening: ₹5 lakh per transaction, ₹5 lakh daily
- Digital Account Initial Funding: ₹2 lakh per transaction, ₹2 lakh daily
What about person-to-person transfers?
There will be no change in the UPI limit for P2P transactions, which means sending money to friends or family will still be capped at ₹1 lakh per transaction. The revised rules will apply only to selected categories.
Why has NPCI made these changes?
NPCI stated that as more people shift to digital payments, the demand for higher-value transactions has also increased. The new rules will enhance the capability of UPI, making it more powerful and user-friendly. According to NPCI, this step will not only make digital transactions more convenient for consumers but will also provide a significant boost to businesses relying on large-scale payments.
