NPCI to Raise UPI Transaction Limits from September 15, 2025

• 11 September 25

NPCI to Raise UPI Transaction Limits from September 15, 2025

Date: 11 September 25

The National Payments Corporation of India (NPCI) has announced a significant update to the Unified Payments Interface (UPI) system. Starting September 15, 2025, the daily transaction limits for UPI will be increased across key categories, enabling users to make higher-value payments seamlessly. This move strengthens UPI’s position as India’s most trusted and widely used digital payments platform.

What Are the New Limits?

Under the revised guidelines:

• ₹10 lakh daily limit – For insurance premiums, capital market investments, and travel-related expenses.

• ₹6 lakh daily limit – For credit card bill payments, jewellery purchases, and select other categories.

• Limits apply to both single transactions and cumulative transactions within 24 hours.

This update aims to simplify high-value payments, reduce friction, and provide flexibility for both consumers and businesses.

Why This Move Matters

The UPI limit hike comes at a time when digital payments are rapidly expanding into new segments. Key benefits include:

• Ease of high-value transactions – Eliminates the need to split payments into multiple smaller transfers.

• Stronger digital adoption – Encourages use of UPI over traditional channels like NEFT/RTGS.

• Support for financial services – Insurance, capital markets, and travel bookings benefit from smoother fund flows.

• Improved user convenience – Faster and more reliable transactions for individuals and enterprises alike.

What It Means for Wisecor Clients

For businesses and enterprises, this change signals new opportunities:

• Insurance & Finance – Easier premium collections and faster investment settlements.

• Retail & Lifestyle – Jewellery and high-value retail transactions get simpler through UPI.

• Corporate Payments – More flexibility in vendor and service payments.

• Client Confidence – Strengthened trust in India’s digital-first economy.

At Wisecor, we see this as a positive development for clients operating across sectors such as financial services, retail, and travel. With higher transaction limits, businesses can expect improved efficiency, lower friction, and greater scalability in digital operations.

Final Word

The upcoming UPI transaction limit hike is more than just a technical upgrade; it is a milestone in India’s digital transformation journey. By raising limits to ₹10 lakh and ₹6 lakh for different categories, NPCI is empowering businesses and individuals to rely on UPI for a wider range of payments.

Wisecor remains committed to guiding clients through these evolving financial changes with strategic advice, compliance expertise, and technology support.