The National Payments Corporation of India (NPCI) is boosting payment thresholds on its UPI platform to facilitate large, seamless digital transactions—starting September 15, 2025.
- Per-transaction limit is increased to ₹5 lakh.
- 24-hour cumulative cap is now ₹10 lakh.
These enhanced limits apply to Person-to-Merchant (P2M) payments with verified merchants. Standard Person-to-Person (P2P) limits remain unchanged at ₹1 lakh per day. The Economic Times
Why This Matters for You
- Simplified High-Value Payments: No need for split transactions—ideal for insurance premiums, tax payments, education fees, and more.
- Greater Flexibility: Users can now transact up to ₹10 lakh daily in one go to verified merchants.
- Retailer & Institutional Growth: Verified merchants across sectors can handle high-value payments more efficiently.
- Security Maintained: Limits apply only to verified merchants, and P2P caps remain to reduce risk.
Looking Ahead
Expect a boost in adoption for high-value digital transactions—from brokers and insurers to travel planners and e-commerce setups. Banks and payment apps should update their systems before September 15 to implement these new limits effectively.
