UPI payment rules are changing from September 15, from limit to these will be affected
UPI Payment Rules: Now digital payment is going to become even more convenient. NPCI has made a big change in the rules of UPI transaction and increased its limit, but some special categories have been fixed for this. NPCI said that these changes are going to be implemented from September 15.
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If you make big payments like insurance, investment, or online shopping through UPI, then there is an important update for you. There is going to be a big change in UPI transaction limit from 15 September 2025. This decision has been taken by NPCI (National Payments Corporation of India) to make digital transactions of higher amount easier and safer.
Till now, the transaction limit of normal UPI transaction was Rs 1 lakh. But in some special categories this limit was very low, which caused problems to the users. Keeping this in mind, NPCI has now increased the transaction limit to Rs 5 lakh in some selected 12+ categories. Along with this, the total daily (in 24 hours) limit has also been increased in many categories.
Which categories will be affected?
This change will directly benefit those who pay insurance premium, invest in the stock market, pay credit card bills, shop from government platforms or do travel and business related transactions. Now payment of large amounts will be possible through UPI in all these
What will be the effect on person-to-person transactions?
No, the limit for P2P (person-to-person) i.e. sending money to family will remain at Rs 1 lakh per transaction. Because this change will be applicable only for some selected categories
Effective from 15th September, now make high-value payments seamlessly with UPI! NPCI has increased the transaction limit to ₹10 lakh within 24 hours for categories like insurance premiums & capital markets, making big payments easier and faster than ever.#NewUPILimits pic.twitter.com/SEmjro8Rop
— BHIM (@NPCI_BHIM) September 8, 2025
Why was the change made?
NPCI says that as people are moving towards digital payments, the demand for large amount payments is also increasing. Therefore, these changes were necessary to make UPI more efficient. This will not only provide convenience to consumers but will also prove to be a big boost for business.
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