UPI Increases Daily P2M Limit to ₹10 Lakh
In a major move to support high-value digital transactions, the National Payments Corporation of India (NPCI) has revised the Unified Payments Interface (UPI) limits for Person-to-Merchant (P2M) payments. The revision, effective from 15 September 2025, aims to ease large transactions in sectors like insurance, investments, and government marketplaces. This update is seen as a step towards enhancing India’s growing digital payment ecosystem and reducing dependence on traditional banking methods for high-value payments.
New Daily and Transaction Caps
NPCI’s circular now allows UPI users to perform larger payments to merchants in specified sectors, under controlled conditions.
Revised Limits Include,
The updated UPI limit is applicable only in select categories that often involve larger transactions. This ensures smoother, faster payments in these domains without the need to use alternate banking methods.
Sectors covered,
Raising the UPI limits allows users to conduct large-scale payments digitally without splitting them into multiple transactions or resorting to other slower channels like RTGS or NEFT.
High-value payments through UPI increase transaction transparency, aiding financial reporting and compliance.
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