Srinagar: The National Payments Corporation of India (NPCI) has announced a major revision of the Unified Payments Interface (UPI) limit for Person-to-Merchant (P2M) transactions, which will come in effect from Monday, 15th September 2025.
After this change users can now make UPI Person-to-Merchant (P2M) transactions of up to 10 lakh rupees in a single day for selected verified categories.
However, the UPI limit for Person-to-Person (P2P) transfers remains unchanged at 1 lakh rupees per day.
The NPCI has set the per transaction limit for key categories such as Capital Markets (Investments), Insurance, Government e-Market Place (GeM), and Travel at Rs 5 lakh, with a daily transaction limit of Rs 10 lakh for each of these categories. For Credit Card Payments and Jewellery, the per transaction limit is also Rs 5 lakh, but the daily transaction limit is slightly lower at Rs 6 lakh. Business and Merchant Payments have a per transaction limit of Rs 5 lakh, with no specified daily limit, allowing for greater flexibility. Lastly, Digital Account Opening transactions have a per transaction and daily limit set at Rs 5 lakh each.
No change in general UPI transaction limit
The NPCI clarified that the increased limits apply specifically to institutions involved in tax payments, government e-marketplace, travel, and business transactions. General UPI accounts used for P2P payments will continue to have a daily limit of ₹1 lakh, ensuring a balance between convenience and security.
