National Payments Corporation of India (NPCI), the Umbrella Organisation that facilitates UPI Payments, has made a major revision in Unified Payments Interface (UPI) limits. NPCI has hiked the limit for Person-to-Merchant (P2M) transactions from Rs 5 lakh to Rs 10 lakh. The new Person-to-Merchant transaction limit is effective from 15 September 2025. 

After the revision, UPI customers can make P2M transactions of up to Rs 10 lakh in a single day for specific verified merchant categories from 15 September. However, it must be noted that the limit for Person-to-Person (P2P) transfers will remain same — i.e, Rs 1 lakh per day.

It may be noted that NPCI had in its August 2025 circular announced hike in transaction limit for other specific categories in UPI. NPCI has said that Member, Apps and PSPs must ensure the compliance with the same by 15th September 2025.

UPI Transaction Limits Increased To Rs 5 Lakh From 15 September– Full List Of Categories

Member banks may continue to be provided the discretion to set their internal limits based on their internal policy, within the overall ceilings prescribed by NPCI, it said.