Govt Allows Upto Rs 10 Lakh Limit For High Value UPI Transaction Like Investments, Insurance – Trak.in

In a significant step to strengthen India’s digital payments ecosystem, the National Payments Corporation of India (NPCI) has raised Unified Payments Interface (UPI) transaction limits across several categories. Effective September 15, 2025, individuals and businesses will now be able to make seamless high-value payments for insurance, capital markets, government transactions, travel, and more.

Higher Per-Transaction And Daily Limits

Under the revised framework, UPI payments in categories such as insurance premiums, capital markets, government e-Marketplace, and travel will now allow transactions up to ₹5 lakh each, with daily caps extended to ₹10 lakh. Credit card bills and jewellery purchases have been permitted up to ₹6 lakh daily, while business collections enjoy no daily cap.

Key Categories Covered Under New Limits

• Capital Markets & Investments: ₹5 lakh per transaction, ₹10 lakh daily
• Insurance Payments: ₹5 lakh per transaction, ₹10 lakh daily
• Government e-Marketplace (GeM): ₹5 lakh per transaction, ₹10 lakh daily
• Travel & Ticketing: ₹5 lakh per transaction, ₹10 lakh daily
• Credit Card Bills: ₹5 lakh per transaction, ₹6 lakh daily
• Jewellery Purchases: ₹5 lakh per transaction, ₹6 lakh daily
• Business/Merchant Collections: ₹5 lakh per transaction, no daily cap
• Foreign Exchange via BBPS: ₹5 lakh per transaction and daily
• Digital Account Opening: ₹5 lakh per transaction, ₹2 lakh daily for initial funding

Boost For India’s Digital-First Economy

Announcing the move, NPCI said the enhanced limits reflect the growing demand for using UPI in high-value transactions. With UPI already the preferred mode for everyday payments, this step ensures individuals and businesses no longer need multiple transactions or alternate banking channels to process large sums.

The Road Ahead

Built on the IMPS infrastructure and regulated by the RBI, UPI has become India’s backbone for instant fund transfers. The new transaction limits expand its relevance, enabling high-value payments with the same speed and ease as small-value transfers. For India’s digital-first economy, this marks another milestone in reducing dependency on cash and traditional banking modes.

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