Upi new rule: Unified Payments Interfaces, which has become the most reliable medium of digital payment in India (Upi) Now he is going to make another big jump. National Payments Corporation of India (Npci) It has been approved for daily high-value transactions up to ₹ 10 lakh through UPI. This change will be especially applicable for categories like investment, insurance, travel booking, credit card bill payment and jewelery shopping.
Which categories increased limit?
- Capital Market and Insurance: Now ₹ 5 lakh per transaction (first ₹ 2 lakh) and Daily Cap ₹ 10 lakh.
- Credit Card Bill Payment: Per transaction ₹ 5 lakh (first ₹ 2 lakh), Daily Cap ₹ 6 Lakh.
- Jewelery Shopping: Per transaction limit is ₹ 2 lakhs, but daily limit increased to ₹ 6 lakh.
- Travel, EMI and Government E-Marketplace: Facility to pay up to ₹ 10 lakh in a day.
- Hospital and Education Payments: Already applied a limit of ₹ 10 lakh, it does not change.
- Government Securities and RBI Direct Investment: Limit also up to ₹ 10 lakh.
What transactions are not changed?
NPCI has clarified that there will be no change in Person-to-Person (P2P) transaction limit. The daily limit for the general consumer will be ₹ 1 lakh as before.
P2P collect feature will be closed
From 1 October 2025, the P2P “Collect Request ‘feature will be completely abolished. This means that now no person will be able to use the option of collect request on UPI. Only by entering the QR Code Scan or UPI ID will be possible. Were doing it.
Strictness on fraud
NPCI has also made it clear that the new limit will only apply to verified merchants. While the limit of P2P transaction for general consumers will still be ₹ 1 lakh per day. Also, banks can set less limits on the basis of their risk assessment.
Why was this change done?
Experts believe that this step will make high-value payments easier and reduce people’s dependence on check or slow payment channels. Now UPI will not only be limited to daily small shopping, but will also prove to be a reliable platform for large investment, insurance premium and business transactions.
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