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NPCI Increases UPI Transaction Limit to ₹5 Lakh for These Categories from September 15, 2025

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5 Sept 2025

NPCI has increased UPI transaction limits effective September 15, 2025 , for specific categories like capital markets, insurance, government e-Market Place, credit card payments, and collections.

The National Payments Corporation of India (NPCI) has announced an increase in UPI transaction limits for specific categories, effective September 15, 2025. This move aims to facilitate high-value transactions and enhance the digital payment ecosystem.


Categories with Increased Limits:


  • Capital Markets: ₹5 lakh per transaction, ₹10 lakh daily limit

  • Insurance: ₹5 lakh per transaction, ₹10 lakh daily limit

  • Government e-Marketplace (GeM): ₹5 lakh per transaction, ₹10 lakh daily limit

  • Credit Card Bill Payments: ₹5 lakh per transaction, ₹6 lakh daily limit

  • Collections: ₹5 lakh per transaction, ₹10 lakh daily limit

  • Travel: ₹5 lakh per transaction, ₹10 lakh daily limit

    Business/Merchant Payments: ₹5 lakh per transaction

  • Foreign Exchange (FX) Retail: ₹5 lakh per transaction, ₹5 lakh daily limit

  • Digital Account Opening (Term Deposits): ₹5 lakh per transaction, ₹5 lakh daily limit

  • Jewellery Purchases: ₹2 lakh per transaction, ₹6 lakh daily limit

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