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If you make big payments like insurance, investment, or online shopping through UPI, then there is an important update for you. There is going to be a big change in the UPI transaction limit from 15 September 2025. This decision has been taken by NPCI (National Payments Corporation of India) to make digital transactions of large amounts easier and safer.

Till now, the transaction limit for normal UPI transactions was Rs 1 lakh. But in some special categories, this limit was very low, which caused problems for the users. Keeping this in mind, NPCI has now increased the transaction limit in some selected 12+ categories to Rs 5 lakh. Along with this, the total daily (in 24 hours) limit has also been increased in many categories.

Which categories will be affected?

This change will directly benefit those who pay insurance premiums, invest in the stock market, pay credit card bills, shop from government platforms, or travel and do business-related transactions. Now, payment of large amounts will be possible in all these through UPI.

UPI Transaction Limit Chart (Effective from 15th September 2025)

Category Per Transaction Limit Per Transaction Limit
Capital Market (Investment) ₹5 lakh ₹10 lakh
Insurance Premium ₹5 lakh ₹10 lakh
Government e-Marketplace (GeM) ₹5 lakh ₹10 lakh
Travel (Travel Booking) ₹5 lakh ₹10 lakh
Credit Card Payment ₹5 lakh ₹6 lakh
Collection ₹5 lakh ₹10 lakh
Jewellery Purchase ₹5 lakh ₹6 lakh
Merchant/Business Payment ₹5 lakh No Limit
Digital Account Opening ₹5 lakh ₹5 lakh
Digital Account – Initial Funding ₹2 lakh ₹2 lakh

What will be the impact on person-to-person transactions?
No, the limit for P2P (person-to-person), i.e., sending money to friends or family, will still remain at Rs 1 lakh per transaction. Because this change will be applicable only for some selected categories.

Why was the change made?

NPCI says that as people are moving towards digital payments, the demand for large amount payments is also increasing. Therefore, these changes were necessary to make UPI more efficient. This will not only provide convenience to consumers but will also prove to be a big boost for business.

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