Big relief for customers: UPI transaction limit raised to ₹10 lakh for insurance and EMI payments
New Delhi (The Uttam Hindu): The National Payments Corporation of India (NPCI) has given a big relief to those doing big transactions through UPI. The new limit of UPI has come into effect from today i.e. 15 September 2025. Under this, now transactions of up to Rs 10 lakh can be done in a day in categories like insurance, capital market, loan EMI and travel.
UPI payment limit increased from today, now transactions up to Rs 10 lakh per day are possible on payments like insurance-EMI: NPCI said that the new limit will apply only to person-to-merchant (P2M) payments. This means that users will now be able to transfer more money while making payments to verified merchants and organizations. The limit has been fixed at Rs 5 lakh in some categories and Rs 10 lakh in some categories.
NPCI had said in its circular dated August 24 that UPI has now become the most preferred digital payment mode in the country. This change has been made in view of the increasing demand for high value payments. The new limit of up to Rs 5 lakh will be applicable under the category related to tax payment.
It is worth noting that there has been no change in the limit of sending money from one person to another through Person-to-Person (P2P). It will remain Rs 1 lakh per day as before. The new system will be of special benefit to those customers who earlier had to make transactions in several installments or had to resort to other banking channels to make high value payments. Now they will be able to easily settle large payments through UPI.