How to Increase UPI Limit Beyond ₹1 Lakh Per Day: Step-by-Step Guide and Safety Tips

With the growing use of UPI (Unified Payments Interface) for everyday transactions, users often encounter a common limitation—a daily transaction cap of ₹1 lakh. While this limit is sufficient for most individuals, those with higher transaction needs, such as business owners or frequent payers, may want to increase this limit. But how can this be done, and is it safe?

Here’s everything you need to know about raising your UPI limit above ₹1 lakh, along with bank-specific steps, eligibility conditions, and important precautions.

What Is the UPI Transaction Limit?

The UPI transaction limit is the maximum amount you can transfer using UPI in a single day. Most Indian banks impose a standard cap of ₹1 lakh per day. However, this limit can vary based on the bank and the app you're using—such as Google Pay, PhonePe, Paytm, or BHIM.

Can You Increase Your UPI Limit?

Yes, some banks and apps offer the option to raise your UPI transaction limit, but only under specific conditions. Here's how you can request a limit increase:

🔹 Google Pay

• Link a bank account that supports higher UPI limits.

• Ensure your KYC (Know Your Customer) details are updated.

• Banks like HDFC and ICICI sometimes allow higher limits for verified customers.

🔹 PhonePe

• You can request a higher limit through customer support.

• Alternatively, update or change your linked bank account to one with a higher threshold.

🔹 Paytm

• Verified users can go to ‘Manage Bank Accounts’ in the app.

• From there, apply to raise the transaction limit based on your usage.

🔹 BHIM App

• Follows NPCI (National Payments Corporation of India) rules.

• Final limit depends on your bank’s policies.

What Are the Eligibility Criteria?

To be eligible for a UPI limit increase, most banks check a few important parameters:

• Your transaction history and frequency

• The status of your KYC

• How long your account has been active

• The overall activity and health of your account

If your account shows responsible and regular usage, you’re more likely to get approved for a limit increase.

Is Raising the UPI Limit Safe for Everyone?

While raising the UPI limit can be convenient, it also comes with added responsibility and risk. UPI payments are instant and irreversible, which means if your phone is stolen or misused, a higher limit could result in greater financial loss.

Only raise your UPI limit if you:

• Run a small business and make frequent payments

• Regularly pay high-value utility bills or vendors

• Need to transfer more than ₹1 lakh daily for genuine reasons

What If Your Bank Doesn’t Allow Limit Increase?

If your current bank doesn’t support a higher UPI limit, consider switching to a digital or private bank that does. Some financial institutions now offer UPI limits of up to ₹5 lakh or more, especially for merchants or premium account holders.

Safety Tips for High UPI Limits

If you choose to increase your daily UPI limit, secure your device and apps using:

• A strong screen lock (PIN or biometric)

• A secure UPI PIN

• App locks for each payment application

• Avoid using public Wi-Fi for transactions

• Immediately block your account if your phone is lost

Final Thought: Balance Convenience with Caution

Raising your UPI limit can certainly improve your financial flexibility, but only if done wisely. Before requesting a limit increase, assess your actual need and ensure all your KYC and security measures are in place.

Always strike a balance between convenience and safety, and don’t increase the limit just for the sake of it. If managed correctly, this feature can significantly enhance your digital payment experience.