September 16, 2025

Get ready to pay big with ease! The National Payments Corporation of India (NPCI), the brains behind UPI, has just raised the transaction limits for certain categories. From September 15, 2025, you can pay up to Rs 5 lakh per transaction for government e-marketplace, travel, business, and merchant-related payments. But wait, it gets better! For insurance premiums and capital markets, the limit zooms up to Rs 10 lakh in 24 hours! In an official statement, NPCI explained, “NPCI has increased the per transaction limits for entities under categories aligned to Tax Payments to 5 lakh. With UPI emerging as a preferred payment method, there are requirements from the market on extending higher per transaction limits for additional categories of transactions in UPI.” This move is a big relief for people making large payments. However, these enhanced limits apply only to "Verified Merchants" who meet strict NPCI guidelines. Banks will continue setting their own policies but must adhere to NPCI's maximum limits. Peer-to-peer (P2P) payment limits remain unchanged, ensuring everyday transactions stay safe and simple. To break it down, here’s what’s new: - Capital Markets and Insurance: Rs 5 lakh per transaction, Rs 10 lakh daily - Government e-Marketplace (GeM), Travel, Collections, Business/Merchant: Rs 5 lakh per transaction - Credit Card and Jewellery payments get Rs 5 lakh limits per transaction with slightly lower daily caps. - Digital account openings stick to Rs 2 lakh limits. The official BHIM Twitter shared the exciting update: "Effective from 15th September, now make high-value payments seamlessly with UPI! NPCI has increased the transaction limit to Rs 10 lakh within 24 hours for categories like insurance premiums & capital markets, making big payments easier and faster than ever." For Indian users, this means more power in your palm. Whether paying taxes, buying travel tickets, investing or paying big insurance sums, UPI is now more flexible and wallet-friendly. The future of fast, digital payments just got bigger — and better!

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Tags: Upi, Transaction limit, Npci, Tax payments, Insurance premiums, Capital markets,