The National Payments Corporation of India (NPCI) is set to make significant changes to Unified Payments Interface (UPI) transaction limits starting September 15, 2025. This move aims to make digital payments more versatile and convenient across sectors such as insurance, capital markets, government services, travel, and e-commerce. By increasing per-day and per-transaction limits, NPCI is addressing the growing demand for higher-value digital transactions in India’s booming digital economy.

New UPI Transaction Limits Effective September 15

In an official announcement on X (formerly Twitter), NPCI confirmed that new category-wise limits will take effect mid-September. These updated thresholds will enable users to carry out larger transactions with ease, covering everything from government payments to high-value retail purchases.

@NPCI

Capital Market Transactions: Up to ₹10,00,000 per day; ₹5,00,000 per transaction.

Insurance Payments: Up to ₹10,00,000 per day; ₹5,00,000 per transaction.

Government e-Marketplace: ₹10,00,000 per day; ₹5,00,000 per transaction.

Travel & Tourism: ₹10,00,000 per day; ₹5,00,000 per transaction.

Credit Card Repayments: ₹6,00,000 per day; ₹5,00,000 per transaction.

Jewellery Purchases: ₹6,00,000 per day; ₹2,00,000 per transaction.

Business & Merchant Transactions: ₹5,00,000 per transaction.

Foreign Exchange via BBPS: ₹5,00,000 per transaction/day.

Digital Account Opening: ₹5,00,000 per transaction/day.

Initial Digital Account Funding: ₹2,00,000 per transaction.

These enhanced limits are expected to bring more flexibility to both consumers and businesses, supporting the vision of making UPI a universal payment platform for every segment of the economy.

Why This Change Matters

UPI has grown into the backbone of India’s digital payment ecosystem, handling billions of transactions monthly. By raising these limits, NPCI is encouraging users to rely on UPI not only for everyday payments but also for high-value transactions such as insurance premiums, capital market investments, and big-ticket retail purchases like jewellery.

This step also aligns with the Reserve Bank of India’s broader push to strengthen digital financial infrastructure and expand financial inclusion.

International Expansion: NPCI & PayPal Collaboration

Alongside domestic upgrades, NPCI is also moving toward global integration. Recently, NPCI International Payments Limited partnered with PayPal to build a cross-border payments platform. This initiative will allow users to purchase products from international marketplaces and pay seamlessly using UPI.

The platform is also expected to leverage AI-driven agents for autonomous purchases and will support peer-to-peer (P2P) transfers globally, potentially revolutionizing how Indians shop and send money across borders.

Conclusion

The revised UPI transaction limits coming into effect from September 15, 2025, mark an important milestone in India’s digital payments journey. With increased flexibility across categories such as insurance, capital markets, travel, and credit card repayments, UPI is set to become even more integral to daily life.

Combined with international partnerships and AI-driven payment innovations, NPCI’s latest move strengthens India’s position as a global leader in digital payments.