{"id":1300010,"date":"2025-09-10T08:28:48","date_gmt":"2025-09-10T02:58:48","guid":{"rendered":"https:\/\/trak.in\/stories\/?p=1300010"},"modified":"2025-09-10T08:29:36","modified_gmt":"2025-09-10T02:59:36","slug":"govt-allows-upto-rs-10-lakh-limit-for-high-value-upi-transaction-like-investments-insurance","status":"publish","type":"post","link":"https:\/\/trak.in\/stories\/govt-allows-upto-rs-10-lakh-limit-for-high-value-upi-transaction-like-investments-insurance\/","title":{"rendered":"Govt Allows Upto Rs 10 Lakh Limit For High Value UPI Transaction Like Investments, Insurance"},"content":{"rendered":"\n<p>In a significant step to strengthen India\u2019s 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.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"465\" src=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/09\/Untitled-design-44-1.png\" alt=\"Govt Allows Upto Rs 10 Lakh Limit For High Value UPI Transaction Like Investments, Insurance \" class=\"wp-image-1300016\" srcset=\"https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/09\/Untitled-design-44-1.png 1000w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/09\/Untitled-design-44-1-300x140.png 300w, https:\/\/trak.in\/stories\/wp-content\/uploads\/2025\/09\/Untitled-design-44-1-768x357.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Higher Per-Transaction And Daily Limits<\/h3>\n\n\n\n<p>Under the revised framework, UPI payments in categories such as <a href=\"https:\/\/www.businesstoday.in\/personal-finance\/banking\/story\/npci-to-increase-upi-transaction-limits-for-high-value-payments-from-sept-15-check-updated-limits-493278-2025-09-09\">insurance premiums, capital markets,<\/a> government e-Marketplace, and travel will now allow transactions up to \u20b95 lakh each, with daily caps extended to \u20b910 lakh. Credit card bills and jewellery purchases have been permitted up to \u20b96 lakh daily, while business collections enjoy no daily cap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key Categories Covered Under New Limits<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Capital Markets &amp; Investments:<\/strong> \u20b95 lakh per transaction, \u20b910 lakh daily<\/li>\n\n\n\n<li><strong>Insurance Payments:<\/strong> \u20b95 lakh per transaction, \u20b910 lakh daily<\/li>\n\n\n\n<li><strong>Government e-Marketplace (GeM):<\/strong> \u20b95 lakh per transaction, \u20b910 lakh daily<\/li>\n\n\n\n<li><strong>Travel &amp; Ticketing:<\/strong> \u20b95 lakh per transaction, \u20b910 lakh daily<\/li>\n\n\n\n<li><strong>Credit Card Bills:<\/strong> \u20b95 lakh per transaction, \u20b96 lakh daily<\/li>\n\n\n\n<li><strong>Jewellery Purchases:<\/strong> \u20b95 lakh per transaction, \u20b96 lakh daily<\/li>\n\n\n\n<li><strong>Business\/Merchant Collections:<\/strong> \u20b95 lakh per transaction, no daily cap<\/li>\n\n\n\n<li><strong>Foreign Exchange via BBPS:<\/strong> \u20b95 lakh per transaction and daily<\/li>\n\n\n\n<li><strong>Digital Account Opening:<\/strong> \u20b95 lakh per transaction, \u20b92 lakh daily for initial funding<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Boost For India\u2019s Digital-First Economy<\/h3>\n\n\n\n<p>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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Road Ahead<\/h3>\n\n\n\n<p>Built on the IMPS infrastructure and regulated by the RBI, UPI has become India\u2019s 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\u2019s digital-first economy, this marks another milestone in reducing dependency on cash and traditional banking modes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In a significant step to strengthen India\u2019s 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 [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":1300016,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[21],"tags":[41],"class_list":["post-1300010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-upi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Govt Allows Upto Rs 10 Lakh Limit For High Value UPI Transaction Like Investments, Insurance - Trak.in - Indian Business of Tech, Mobile &amp; Startups<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trak.in\/stories\/govt-allows-upto-rs-10-lakh-limit-for-high-value-upi-transaction-like-investments-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Govt Allows Upto Rs 10 Lakh Limit For High Value UPI Transaction Like Investments, Insurance - Trak.in - Indian Business of Tech, Mobile &amp; Startups\" \/>\n<meta property=\"og:description\" content=\"In a significant step to strengthen India\u2019s digital payments ecosystem, the National Payments Corporation of India (NPCI) has raised Unified Payments Interface (UPI) transaction limits across several categories. 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