New upi rules: India is moving fast in terms of digital payment and the National Payments Corporation of India (NPCI) is constantly implementing new rules to make the UPI i.e. Unified Payments Interfaces easier. In August last month, there were many changes in the UPI rules, and now it is going to be important updates again since 15 September 2025.
This time the main changes will be applicable to large digital transactions i.e. Person-to-Cracha (P2M) payments. This means that now you will be able to make big transactions like insurance premium, loan EMI, market investment or online shopping easily. At the same time, Person-to-Person (P2P) Transaction i.e. the limit of sending money to friends or family will remain as 1 lakh rupees per day as before.
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Changes in UPI Limit – Learn how much category has increased (New UPI Rules)
- Capital Market and Insurance: Earlier there was a limit of Rs 2 lakh, now transactions can be done up to Rs 5 lakh per transaction and up to a maximum of Rs 10 lakh in 24 hours.
- Government e-Marketplace and Tax Payment: Now the limit of Rs 1 lakh will increase to Rs 5 lakh per transaction.
- Travel Booking: The per transaction limit has been increased from 1 lakh to 5 lakh rupees. The daily cap will be up to Rs 10 lakh.
- Credit Card Bill Payment: Payments can be made up to Rs 5 lakh at a time. The maximum limit per day will be Rs 6 lakh.
- Loan and EMI Collection: Now the facility of up to Rs 5 lakh per transaction and up to Rs 10 lakh will be available.
- Jewelery Shopping: Instead of old 1 lakh rupees, now Rs 2 lakh per transaction, daily cap up to Rs 6 lakh.
- Term Deposit: The limit of Rs 2 lakh will now increase to Rs 5 lakh per transaction.
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Digital account and foreign exchange transactions (New UPI Rules)
There has been no change in the limit to open a digital account, it will still be 2 lakh rupees. At the same time, for foreign exchange payments through BBPS, 5 lakh rupees per transaction and daily cap will also be up to Rs 5 lakh.
NPCI says (New UPI Rules)
These changes will not only make it easier to make big digital payments, but will also benefit both businessmen and common people. This will promote cashless transactions and help in strengthening Digital India.
These rules will be applicable from 15 September 2025, so GPAY, PhonePe and other UPI apps are required for users to understand these new limits and changes. Large transactions will now be easier and safe now, which will make the experience of digital payment even more easy.
