The National Payment Corporation (NPCI) has made a major change and announced that the new limit of UPI transactions will be applicable from September 15, 2025. Now, up to Rs 5 lakh can be paid at a time in specific categories like insurance premium, capital market investment, credit card bill payment. NPCI has also set different daily limits for each category. Payment of up to ₹ 10 lakh in 24 hours will be possible for categories like investment, insurance and travel. At the same time, the limit of credit card bill payment has been kept slightly lower, where a maximum of ₹ 6 lakh can be paid in a day.
What will change for common users
There has been no change in the range of individual-to-person (P2P) transactions for common people. That is, the limit of sending money to friends or family will still be ₹ 1 lakh per day. This facility will be available on popular UPI apps like Phonpe, Google Pay and Paytm as before.
Ease of big transactions
The biggest benefit of the new border will be to customers who often have to make big payments. Now payments such as insurance premium, investment in stock market, expensive travel booking, shopping of jewelery and commercial transactions can be completed in the same transaction. This will eliminate the need to make small transactions again and again.
Purpose of change
NPCI says that the purpose of these changes is to make high-value payments more secure and easier. This will not only facilitate customers, but will also increase confidence in digital transactions. Experts believe that this step will further strengthen cashless transactions in the economy.
