GooglePay UPI limit per day and transaction limits


As UPI transfers are very more popular these days. More and more users are relying on UPI-based payment apps such as GooglePay (GPay), PhonePe, and Paytm to transfer money. This is a major shift from the past when users relied on IMPS, NEFT, and RTGS systems. There is a lot of confusion about the daily limit of UPI transfers and transaction limits.  This is because it was restricted to small amounts in the initial days. Let us explore the various daily limits and transaction limits for UPI transfers on Google Pay.

What is the limit of fund transfers using UPI according to NPCI?

UPI is Unified Payments Interface is a system that offers several banking features including fund transfers and merchant payments. It also offers Person-to-Person to Peer to Peer functionality. UPI falls under the ambit of the National Payments Corporation of India (NPCI). NPCI is an initiative of the Reserve Bank of India (RBI) and the Indian Banks’ Association (IBA).

NPCI has periodically revised the limit of UPI transactions and as of today, the limit per transaction is INR 2 lakhs.

What are the Bank Limits for Sending Money via GPay?

Every bank has set its own limit for UPI transactions and daily limits. Some banks allow you to send up to 2 lakhs per day but some support only Rs.10000. So please check the limit offered by your bank in the list below.

GooglePay UPI Limits bank wise list

Here is an exhaustive list of bank-wise limits for daily transfers and transactions which is listed below.

Bank name UPI transaction limit UPI daily limit
Abhyudaya Co-Operative Bank 25000 25000
Adarsh Co-Op Bank Ltd 50000 50000
Aditya Birla Idea Payments Bank 100000 100000
Airtel Payments Bank 1,00,000 1,00,000
Allahabad Bank 25000 100000
Allahabad UP Gramin Bank 20000 40000
Andhra Bank 100000 100000
Andhra Pradesh Grameena Vikas Bank 25000 100000
Andhra Pragathi Grameena Bank 10000 20000
Apna Sahakari Bank 100000 100000
Assam Gramin VIkash Bank 5000 25000
Axis Bank 100000 100000
Bandhan Bank 100000 100000
Bank Of Baroda 25000 Not set
Bank of India 10000 100000
Bank of Maharashtra 100000 100000
Baroda Gujarat Gramin Bank 25000 Not set
Baroda Rajasthan Kshetriya Gramin Bank 25000 25000
Baroda Uttar Pradesh Gramin Bank 25000 25000
Bassein Catholic Co-Op Bank 20000 40000
Bhilwara Urban Co Operative Bank LTD 25000 25000
Bihar Gramin Bank Mergerd with DBGB
Canara Bank 10000 25000
Catholic Syrian Bank 100000 100000
Central Bank of India 25000 50000
Chaitanya Godavari Grameena Bank 25000 100000
Chhattisgarh Rajya Gramin Bank 25000 100000
Citibank Retail 100000 100000
City Union Bank 100000 100000
COASTAL LOCAL AREA BANK LTD 50000 1,00,000
Corporation Bank 50000 100000
DBS Digi Bank 100000 100000
DCB Bank 5000 5000
Dena Bank 100000 100000
Dena Gujarat Gramin Bank NA (Merged)
Deutsche Bank AG (Web Collect) NA
Dhanlaxmi Bank Ltd 100000 100000
Dombivali Nagrik Sahakari Bank 100000 100000
Equitas Small Finance Bank 25000 100000
ESAF Small Finance Bank 100000 100000
Federal Bank 100000 100000
FINO Payments Bank 100000 100000
G P Parsik Bank 100000 100000
HDFC 100000
(RS 5000 for new customer)
100000
Himachal Pradesh Gramin Bank 50,000 50,000
HSBC 100000 100000
Hutatma Sahakari Bank Ltd 100000 No limit
ICICI Bank 10000
(25000 for Google Pay users)
10000
(25000 for Google Pay users)
IDBI Bank 25000 50000
IDFC 100000 100000
India Post Payment Bank 25000 50000
Indian Bank 100000 100000
Indian Overseas Bank 10000 20000
IndusInd Bank 100000 100000
J&K Grameen Bank 20,000 20,000
Jalgaona Janata Sahkari Bank 100000 100000
Jammu & Kashmir Bank 20000 20000
Jana Small Finance Bank 10000 40000
Janta Sahakari Bank Pune 100000 100000
Jio Payments Bank 100000 100000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd 25000 200000
Karnataka Bank 100000 200000
Karnataka Vikas Grameena Bank 25000 25000
Karur Vysaya Bank 100000 100000
Kashi Gomti Samyut Gramin Bank 100000 100000
Kaveri Grameena Bank 25000 25000
Kerala Gramin Bank 20000 20000
Kotak Mahindra Bank 100000 100000
Langpi Dehangi Rural Bank 10000 100000
Madhya Bihar Gramin Bank 25000 100000
Maharashtra Grameen Bank 25000 100000
Maharashtra State Co-Op Bank 5000 50000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank) 10000 25000
Manipur Rural Bank 10000 10000
Maratha Co-Op Bank 100000 100000
Meghalaya Rural Bank 100000 100000
Mizoram Rural Bank 25000 100000
NKGSB Co-Op. Bank Ltd 20000 40000
Oriental Bank of Commerce 100000 100000
Paschim Banga Gramin Bank 5000 25000
Paytm Payments Bank 100000 100000
Pragathi Krishna Gramin Bank 20000 20000
Prathama Bank 10000 50000
Punjab and Maharastra Co-Op Bank 100000 100000
Punjab and Sind Bank 10000 10000
Punjab Gramin Bank 10000 25000
Punjab National Bank 25000 50000
Purvanchal Bank 25000 100000
Rajasthan Marudhara Gramin Bank 25000 25000
Rajkot Nagari Sahakari Bank Ltd 100000 100000
Samruddhi Co-Op Bank Ltd 100000 100000
Sarva Haryana Gramin Bank 50,000 1,00,000
Sarva UP Gramin Bank 50000 100000
Saurashtra Gramin Bank 20000 100000
Shree Kadi Nagarik Sahakari Bank Ltd 100000 100000
South Indian Bank 100000 100000
Standard Chartered 100000 100000
State Bank of India 100000 100000
Suco Souharda Sahakari Bank 100000 100000
Suryoday Small Finance Bank Ltd 100000 100000
Suvarnayug Sahakari Bank Ltd 100000 100000
Syndicate Bank 10000 100000
Tamilnadu Mercantile Bank 20000 100000
Telangana Gramin Bank 25000 100000
Telangana State Co-Operative Apex Bank 10000 1,00,000
Thane Bharat Sahakari Bank 100000 100000
The Cosmos Co-Operative Bank LTD 10000 50000
The A.P. Mahesh Co-Operative Urban Bank 25000 25000
The Ahmedabad District Co-Operative Bank Ltd 10000 25000
The Ahmedabad Mercantile Co-Op Bank Ltd 100000 100000
The Andhra Pradesh State Co-Operative 10000 100000
The Baroda Central Co-Operative Bank Ltd 15000 100000
The Gujarat State Co-Operative Bank Limited 50000 100000
The Hasti Co-operative Bank Ltd 100000 100000
The Kalyan Janta Sahkari Bank 100000 100000
The Lakshmi Vilas Bank Limited 100000 100000
The Mahanagar Co-Op. Bank Ltd 25000 50000
The Malad Sahakari Bank Ltd 10000 50000
The Mehsana Urban Co-Operative Bank 100000 100000
The Municipal Co-Op Bank Ltd 5000 50000
The Muslim Co-Operative Bank Ltd 100000 100000
The Nainital Bank Ltd 20000 40000
The Ratnakar Bank Limited 25000 25000
The Saraswat Co-Operative Bank 100000 100000
The Surat People’s Co-Op. Bank Ltd 25000 100000
The Sutex Co-Op Bank 100000 100000
The SVC Co-Operative Bank Ltd 10000 20000
The Thane Janta Sahakari Bank Ltd (TJSB) 100000 100000
The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd 100000 100000
The Udaipur Mahila Urban Co-Op Bank Ltd 100000 100000
The Urban Cooperative Bank Ltd Dharangaon 20000 25000
The Varachha Co-Op Bank Ltd 20000 40000
The Vijay Cooperative Bank Ltd 20000 200000
The Vishweshwar Sahakari Bank Ltd 100000 100000
Tripura Gramin Bank 10000 10000
UCO Bank 100000 100000
Ujjivan Small Finance Bank Limited 50000 100000
Union Bank of India 100000 200000
United Bank of India 25000 60000
Uttarakhand Gramin Bank 25000 100000
Vananchal Gramin Bank 20000 20000
Vasai Vikas Co-Op Bank Ltd 100000 100000
Vijaya Bank 25000 50000
YES Bank 100000 100000

Other Google Pay UPI Limits

You might reach your daily limit on Google Pay if you do any one of the following :-

  • If you request more ₹2,000 from someone
  • Try to send more than ₹1,00,000 in one single day across all UPI apps
  • Send money more than 10 times in one single day across all UPI apps

You could also try a different bank account if you are facing issues repeatedly with your limit being reached. Your transaction might also fail at times and just make sure to not send money repeatedly without confirmation.

My personal experience sending money using GPay

I have been using GPay as one of my main UPI apps since September 2017 and been quite happy with the experience. On a few occasions I have encountered failed transactions, pending transfers and reached my daily limit. I have usually stuck to GPay only for small value transactions and used IMPS/NEFT for anything greater than ₹5000. But the simplicity of UPI and ability to transfer with just your phone has forced me to use GPay even for some high value transactions with known parties. As you can see in the screenshot above , I transferred over ₹70000 using GPay to a friend.

Do share in the comments about your experience sending money on GPay and if you use it for small value transactions or even high value transactions.


Author: Varun Krish

Varun Krish is a Mobile Technology Enthusiast and has been blogging about mobile phones since 2005. His current phones include the Apple iPhone 13 Pro and Google Pixel 6. You can follow him on Twitter @varunkrish and on Google+ You can also mail Varun Krish





Source link

We will be happy to hear your thoughts

Leave a reply

MB DROPS
Logo
Enable registration in settings - general
Shopping cart