5 Sep 2025 : Good news for Unified Payments Interface (UPI) users. The National Payments Corporation of India (NPCI) has increased the transaction limit in certain categories from September 15, 2025.
The new limits will be as follows:
- Capital Market, Insurance, Government e-Marketplace, Travel, Credit Card Bill Payment, and Business/Merchant Payments – now transfers up to ₹5 lakh at a time are possible.
- Jewellery purchases and Digital Account Opening – limit of ₹2 lakh.
- Term Deposit Digital Account Opening and FX Retail (on BBPS platform) – limit of ₹5 lakh.
Guidelines for banks:
NPCI has clarified that the benefit of higher limits will only be available to verified merchants. Banks must ensure that these new limits apply only to those who comply with NPCI’s rules. However, banks may set separate internal limits according to their own policies.
Summary :
From September 15, new UPI rules will take effect, impacting daily transactions and user guidelines. All users must stay updated to avoid disruptions in payments.