Tired of hitting that ₹1 lakh UPI limit when paying your taxes or a hefty insurance premium? Well, there’s some great news for you.
The National Payments Corporation of India (NPCI) has finally increased the daily transaction limit for UPI, and it’s a big jump. Starting September 15, 2025, you can now send up to ₹10 lakh in a single day for specific types of payments.
This change come right before the September 15th deadline for paying advance income tax, making it a massive help for taxpayers who want to pay online without any hassle.
So, What Can You Use the New Limit For?
This new ₹10 lakh limit isn’t for everything. It’s meant for those big, important payments you make to businesses and institutions. This includes stuff like:
- Paying your taxes on government portals
- Insurance premiums
- Loan EMIs
- Credit card bills
- Investing in stocks or mutual funds
For these kinds of payments, you can now send up to ₹5 lakh in a single transaction, and do that twice a day to hit the ₹10 lakh total.
What’s NOT Changing?
Hold on, this doesn’t mean you can send ₹10 lakh to your friend for a holiday trip. The limit for regular person-to-person (P2P) transfers, like sending money to family or friends, remains unchanged at ₹1 lakh per day.
So, while your big official payments just got a lot easier, your everyday transactions will work just like they always have.
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FAQs
1. So, the new UPI limit is ₹10 lakh for everything?
Not exactly. The new ₹10 lakh daily limit is only for paying bills and making payments to businesses/institutions (like for taxes, EMIs, insurance). The limit for sending money to another person (like friends or family) is still the same old ₹1 lakh per day.
2. When does this all start?
The new limits will be effective from September 15, 2025.
3. Can I pay my entire ₹10 lakh tax bill in one single transaction?
Almost. The limit for a single transaction is capped at ₹5 lakh. So, to pay a ₹10 lakh bill, you would just have to make two separate transactions of ₹5 lakh each.
4. Will this work on Google Pay, PhonePe, and other UPI apps?
Yes. This is a change to the core UPI system made by NPCI, so it applies to all UPI apps. Just make sure your app is up to date.
5. Why did they increase the limit all of a sudden?
It’s mainly to make life easier for people making large payments. The timing, right on the advance tax payment deadline of September 15th, suggests it’s a big move to help taxpayers pay digitally without any trouble.
6. To be clear, can I use this to pay my credit card bill of ₹1.5 lakh?
Absolutely. Since your credit card bill is a payment to a financial institution, it falls under the new higher limit. The old ₹1 lakh limit won’t stop you anymore.
