Below is an overview of transaction limits for major payment platforms in India in 2025 (collated based on latest regulatory policies and platform rules):
1. UPI (Unified Payments Interface)
- personal account
- Single Transaction Limit: ₹1 lakh (approx. $1200)
- Cumulative daily limit: ₹2 lakhs (adjustable to ₹5 lakhs in some banks)
- merchant account
- Single transaction limit: ₹2 lakhs (subject to bank approval)
Note: NPCI may dynamically adjust limits based on transaction risk.
2. IMPS (Immediate Payment Service)
- regular user: Maximum ₹5 lakhs in a single transaction with no uniform daily limit (set by the card issuer).
- business user: An increase to ₹10 lakhs/pen may be applied for.
3. NEFT/RTGS
- NEFT: There is no single limit, but some banks set a default limit (e.g. ₹10 lakhs).
- RTGS: Minimum ₹2 lakhs, no upper limit.
4. RuPay credit/debit cards
- debit cards: The daily limit is usually ₹1-2 lakhs.
- credit cards:: The new RBI regulations require card issuers to provide a "custom limit" feature with a default limit of ₹50,000/day for online purchases.
Key changes (2024-2025)
- 📌 UPI LiteNew offline wallet feature with PIN free for small transactions (balance limit maintained at ₹2000).
- 💳 RBI makes it mandatory for all prepaid instruments (PPIs) to raise the limit to ₹10 lakh after completing KYC.
It is recommended that you do this via the bank's app or by visiting RBI Official Website Check for real-time policy updates.
Below is a further supplementary note on the Indian Payment System Limits (2025 Update) covering more segmented scenarios and latest developments:
5. Wallet-based payments (Paytm/PhonePe/Amazon Pay, etc.)
- Basic KYC Wallet::
- Balance limit: ₹10,000
- Monthly Transaction Limit: ₹20,000 (P2P and Merchant Payments only)
- All KYC Wallet::
- Maximum balance: ₹2 lakhs
- Single day spending limit:: ₹1 lakh (may apply for upgradation to ₹5 lakhs for specific purposes, such as education contributions)
6. AePS (Aadhaar authenticated payment system)
- cash withdrawal: Single ₹10,000, daily aggregate ₹50,000 (relaxed to ₹75,000 in rural areas).
- Biometric transactionsIt needs to be used in conjunction with an MPIN, and the new regulations require that the dynamic authentication code be reset every 12 hours.
Special rules for cross-border payments 📡
| Type of service | Annual limit (LRS) | additional condition |
|---|---|---|
| UPI International Remittances | $250,000 | Educational/medical use only |
| Forex prepaid cards | $10,000/year | RBI mandatory binding of GSTIN for more than 3 large transactions |
🔍 Frequently Asked Questions
-
"Why is my UPI suddenly restricted?"
→ NPCI's automated risk control system freezes accounts with more than 50 small transactions in a single day, which need to be unfrozen by submitting proof of income. -
How to break the NEFT limit?
→ Submission of a Large Transaction Application Form through a bank branch, which usually takes effect within 48 hours. -
Difference between business accounts vs. personal accounts
+ GST registered companies can apply for uncapped RTGS privileges through RBI's Sachet portal
- P2P transfers still subject to ₹25 lakh daily aggregate limit
Regular check-ups are recommended DigiLockerGet the most up-to-date limit information in the electronic version of the card agreement terms and conditions. Keep asking questions if you need specific bank or scenario specifics!
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