The SBI UPI Transaction Limit determines how much money a customer can send through BHIM SBI Pay, UPI on YONO SBI and other eligible SBI-supported UPI services during a transaction or within a 24-hour period.
For normal UPI payments, SBI currently publishes a standard limit of ₹1,00,000 per transaction and ₹1,00,000 per day after the applicable security cooling period.
Different rules can apply to person-to-person transfers, merchant payments, UPI Lite, newly set or reset UPI PINs and selected verified-merchant categories that are permitted higher limits under NPCI rules.
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| Check SBI UPI daily limits, P2P transaction count, cooling-period restrictions and higher merchant-payment limits. |
Table of Contents
- SBI UPI Limits: Quick Information
- Standard SBI UPI Transaction Limit
- Per-Transaction vs Daily Limit
- SBI P2P UPI Limit
- SBI Merchant Payment Limit
- 20 Transactions in 24 Hours Rule
- UPI Cooling Period after Setting or Resetting PIN
- Android Cooling-Period Limit
- iPhone Cooling-Period Limit
- SBI UPI Lite Limit
- UPI Lite Balance and PIN Requirement
- Higher UPI Limits for Special Categories
- NPCI Verified-Merchant Higher Limits
- IPO UPI Limit
- Credit Card Bill Payment through UPI
- New User and New Device Restrictions
- UPI Limit Exceeded Error
- Can You Increase SBI UPI Limit?
- YONO SBI vs BHIM SBI Pay Limits
- Does Using Multiple UPI Apps Increase the Limit?
- Do Failed UPI Transactions Count toward the Limit?
- Does SBI UPI Daily Limit Reset at Midnight?
- UPI ATM Cash Withdrawal Limit
- International UPI Payments
- Common UPI Limit Problems and Solutions
- UPI Limit Security Tips
- Official SBI Assistance
- Frequently Asked Questions
- Official Sources
- Final Summary
SBI UPI Transaction Limits: Quick Information
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| SBI UPI limits vary by transaction type, with separate rules for normal UPI, P2P transfers, cooling periods, UPI Lite and IPO payments. |
| UPI service | Current published limit |
|---|---|
| Normal UPI – per transaction | Up to ₹1,00,000 |
| Normal UPI – per day | Up to ₹1,00,000 |
| P2P transaction count | Maximum 20 transactions per account in 24 hours |
| P2M transaction count | No separate SBI transaction-count cap within the applicable value limit |
| After UPI PIN set/reset – Android | ₹5,000 cumulative during the first 24 hours |
| After UPI PIN set/reset – iOS | ₹5,000 per day for the first 5 days |
| UPI Lite – single payment | Up to ₹1,000 |
| UPI Lite balance | Up to ₹5,000 |
| IPO through UPI | Up to ₹5,00,000 per application transaction |
Limits are subject to NPCI rules, the transaction category, merchant verification, account status and SBI's own risk controls.
What Is the Standard SBI UPI Transaction Limit?
SBI currently publishes a standard UPI transaction value limit of:
₹1,00,000 per transaction
and:
₹1,00,000 per day
This standard limit applies after any initial cooling-period restriction has ended.
It applies to normal eligible UPI transactions through SBI-supported services including:
- UPI on YONO SBI
- BHIM SBI Pay
- YONO for Every Indian
- Other eligible UPI applications using an SBI account, subject to applicable limits
Per-Transaction Limit vs Daily UPI Limit
The two limits are different.
Per-Transaction Limit
This is the maximum amount that can normally be sent in one UPI transaction.
For example:
A normal ₹1,20,000 P2P transfer cannot usually be sent as one standard SBI UPI transaction because the normal per-transaction ceiling is ₹1 lakh.
Daily Limit
The daily limit is the maximum permitted cumulative value during the applicable 24-hour period.
Example:
- First payment: ₹40,000
- Second payment: ₹30,000
- Third payment: ₹30,000
The cumulative amount is ₹1 lakh.
Another normal UPI payment from the same account may then be rejected until the applicable limit becomes available again.
SBI P2P UPI Transaction Limit
P2P means Person-to-Person.
Examples include:
- Sending money to a family member
- Paying a friend
- Transferring money to another individual's UPI ID
- Sending money to a personal bank account through UPI
SBI currently publishes:
- ₹1 lakh normal UPI value limit
- Maximum 20 P2P transactions per account in 24 hours
The 20-transaction limit applies even when the total value is below ₹1 lakh.
Example
If a customer sends 20 payments of ₹100 each, the total value is only ₹2,000, but the P2P transaction-count limit may already have been reached.
SBI Person-to-Merchant UPI Limit
P2M means Person-to-Merchant.
Examples include:
- Shop QR payments
- Restaurant bills
- Online merchant checkout
- Utility payments
- Eligible commercial UPI payments
SBI's current standard guidance states that P2M payments do not have the same 20-transactions-in-24-hours count restriction that applies to P2P transactions.
However, the applicable daily value limit still applies unless the merchant belongs to an eligible higher-limit category.
SBI UPI 20 Transactions in 24 Hours Rule
The 20-transaction rule applies to P2P payments per account.
It is important to understand that this is:
- Per account
- Within 24 hours
- Independent of whether the ₹1 lakh value limit has been fully used
Therefore, a customer can hit either:
- The transaction-count limit; or
- The transaction-value limit
whichever occurs first.
SBI UPI Cooling Period after Setting or Resetting PIN
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| After setting or resetting the UPI PIN, SBI applies temporary lower transaction limits on Android and iPhone for security. |
SBI applies a temporary security restriction after a UPI PIN is newly set or reset.
This is intended to reduce fraud risk immediately after credential changes.
During this cooling period, the normal ₹1 lakh UPI limit is not immediately available.
For complete PIN-reset instructions, read: SBI UPI PIN Reset Guide .
Android Limit after Setting or Resetting SBI UPI PIN
SBI's current guidance states:
- Maximum first transaction: ₹5,000
- Maximum cumulative amount during the first 24 hours: ₹5,000
After the cooling period is completed, the standard SBI UPI limits become applicable, subject to the account and transaction category.
Example
After resetting UPI PIN:
- ₹3,000 first transaction succeeds
- Only ₹2,000 remains within the initial ₹5,000 cumulative limit
A ₹5,000 second payment may therefore fail during that initial period.
iPhone SBI UPI Limit after PIN Reset
For iOS users, SBI currently publishes a stricter initial period:
₹5,000 per day for the first 5 days
This applies after setting or resetting the UPI PIN under SBI's current published guidance.
Do not assume an iPhone will move to the ₹1 lakh limit after only 24 hours.
What Is the SBI UPI Lite Transaction Limit?
UPI Lite is designed for small-value payments without requiring the UPI PIN for every individual Lite payment.
Current RBI/NPCI limits permit:
- Up to ₹1,000 per UPI Lite transaction
- Up to ₹5,000 balance in the UPI Lite wallet
SBI UPI Lite Balance and PIN Requirement
UPI Lite is different from a normal UPI payment.
For a normal UPI transaction:
- Money is generally debited directly from the linked bank account
- UPI PIN is normally required for an outgoing payment
For UPI Lite:
- Money is first loaded into the UPI Lite balance
- Eligible small-value Lite payments can then be made without entering UPI PIN each time
- The wallet balance is subject to the current RBI/NPCI ceiling
Loading or managing the Lite balance can still require authentication.
Higher UPI Transaction Limits for Special Categories
The ₹1 lakh standard limit is not the ceiling for every type of UPI payment.
NPCI and RBI permit higher limits for selected use cases.
Examples can include:
- IPO applications
- RBI Retail Direct
- Tax payments
- Eligible hospitals
- Eligible educational institutions
- Capital markets
- Insurance
- Selected verified merchants
However, an enhanced NPCI ceiling does not automatically guarantee that every SBI customer can send that amount to every merchant.
The merchant must be correctly categorised and eligible, and SBI may apply its own internal transaction controls.
Latest NPCI Higher Limits for Verified Merchants
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| Eligible verified-merchant categories can support higher NPCI UPI ceilings, while SBI may still apply lower internal limits. |
NPCI's August 28, 2025 circular enhanced limits for several specified verified-merchant categories.
| Category | NPCI enhanced per-transaction ceiling | 24-hour cumulative ceiling |
|---|---|---|
| Capital Markets | ₹5 lakh | ₹10 lakh |
| Insurance | ₹5 lakh | ₹10 lakh |
| Government e-Marketplace EMD payments | ₹5 lakh | ₹10 lakh |
| Travel | ₹5 lakh | ₹10 lakh |
| Credit Card Bill Payments | ₹5 lakh | ₹6 lakh |
| Collections | ₹5 lakh | ₹10 lakh |
| Jewellery | ₹2 lakh | ₹6 lakh |
| FX Retail through eligible BBPS use case | ₹5 lakh | ₹5 lakh |
| Digital Term Deposit Account Opening | ₹5 lakh | ₹5 lakh |
SBI UPI Limit for IPO Applications
SBI's current UPI FAQ specifically states that IPO applications through UPI can use a limit of:
₹5 lakh per IPO application transaction
IPO payments generally operate through a mandate rather than an ordinary immediate person-to-person transfer.
The amount is blocked in the bank account after mandate authorisation and is debited according to allotment rules.
Do not compare an IPO UPI mandate limit directly with the normal ₹1 lakh P2P transfer limit.
UPI Limit for Credit Card Bill Payment
NPCI's newer verified-merchant framework permits eligible credit-card bill payments up to:
- ₹5 lakh per transaction
- ₹6 lakh cumulative in 24 hours
Actual SBI availability can depend on:
- The merchant/category identification
- The UPI application
- The issuing bank
- SBI's internal controls
- Current NPCI implementation
Do not split a large credit-card bill into repeated payments merely to bypass a displayed limit.
SBI UPI Limits for New Users and New Devices
A newly registered UPI user or newly verified device can be subject to additional security restrictions.
SBI's public guidance notes that initial limits may vary because of:
- New-user status
- Recent UPI PIN set or reset
- Device registration
- Security controls
- Transaction history
- Bank risk assessment
The limit shown in the application should be followed even when it is lower than the standard ₹1 lakh.
Why Does SBI UPI Show “Limit Exceeded”?
Possible reasons include:
- ₹1 lakh standard daily limit reached
- ₹1 lakh per-transaction limit exceeded
- 20 P2P transactions already completed in the applicable 24-hour period
- UPI PIN cooling-period limit reached
- New-user security restriction
- Merchant or transaction-category limit
- Account-level debit restriction
- App-specific risk control
- Bank-imposed temporary security limit
What to Do
- Check the payment amount.
- Review previous UPI transactions.
- Check whether the UPI PIN was recently reset.
- Confirm whether the payment is P2P or P2M.
- Check the limit displayed by the application.
- Wait for the applicable limit window to clear where necessary.
- Use another legitimate payment method for an urgent large payment if suitable.
Can You Increase the SBI UPI Daily Limit?
Customers generally cannot simply change the standard SBI UPI limit from ₹1 lakh to any amount they choose.
Higher limits are available only where:
- The transaction category is eligible
- The merchant is correctly verified or classified
- NPCI permits the enhanced ceiling
- SBI supports the applicable limit
Changing a UPI app or manually entering a larger amount does not convert a normal P2P transfer into a higher-limit transaction.
YONO SBI vs BHIM SBI Pay UPI Limits
SBI currently publishes the same standard post-cooling-period limit for:
- BHIM SBI Pay
- UPI on YONO SBI
- YONO for Every Indian
That standard limit is currently ₹1 lakh per transaction and ₹1 lakh per day.
Individual screens and supported services can differ between applications.
For YONO registration help, read: YONO SBI App Guide .
Does Using Google Pay, PhonePe and YONO Increase the SBI UPI Limit?
Using several UPI apps does not necessarily provide a separate ₹1 lakh SBI bank-account limit on each application.
Limits can be enforced at:
- Bank-account level
- Bank level
- UPI ecosystem level
- Transaction category
- Application risk-control level
Therefore, moving from one UPI app to another should not be treated as a reliable method for bypassing a limit already reached on the SBI account.
Do Failed SBI UPI Transactions Count toward the Limit?
The effect of a failed or reversed transaction on available limits can depend on the stage at which the transaction failed and when SBI or the UPI system updates the limit counters.
Do not assume the limit will immediately become available again simply because the transaction displays Failed.
Check:
- Transaction History
- Account debit or reversal
- Current limit shown in the app
For failed or pending payments, read: SBI UPI Failed, Pending & Refund Guide .
Does SBI UPI Daily Limit Reset at Midnight?
Do not assume every SBI UPI restriction resets exactly at 12:00 midnight.
SBI describes the P2P count restriction as applying within 24 hours, and cooling periods are also measured using defined periods after registration or PIN reset.
Therefore, the actual availability can depend on:
- The previous transaction time
- The 24-hour transaction window
- Cooling-period start time
- SBI's processing logic
If the app still shows Limit Exceeded after midnight, wait for the applicable rolling period to complete rather than repeatedly attempting payments.
SBI UPI ATM Cash Withdrawal Limit
SBI supports cash withdrawal at eligible UPI QR Cash-enabled ATMs through UPI.
This service can have a separate ATM/cash-withdrawal limit from the normal UPI P2P payment limit.
The amount available depends on:
- The ATM
- The customer's account
- SBI's withdrawal controls
- The applicable UPI QR Cash limits
Follow the amount displayed by the ATM and UPI application.
SBI UPI International Payment Limit
SBI's published UPI guidance includes India-Singapore UPI remittance support up to the applicable SGD equivalent limit and also supports UPI payments at selected international merchant locations.
International UPI transactions can have:
- Separate transaction ceilings
- Currency-conversion rules
- Country-specific availability
- Merchant eligibility requirements
Do not assume the domestic ₹1 lakh limit is the only rule for an international UPI transaction.
Common SBI UPI Limit Problems and Solutions
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| Remember that SBI UPI limits can depend on transaction count, cooling period, merchant category, failed payments and rolling 24-hour rules. |
| Problem | What to check |
|---|---|
| ₹1 lakh payment fails | Check whether earlier payments have already used part of the daily limit. |
| Small payment fails after many transfers | The 20-P2P-transactions rule may have been reached. |
| Only ₹5,000 available after PIN reset | This can be SBI's cooling-period restriction. |
| iPhone remains limited after 24 hours | SBI currently applies a ₹5,000-per-day initial restriction for five days on iOS after PIN set/reset. |
| UPI Lite only allows small payments | UPI Lite is specifically intended for low-value transactions. |
| Higher-limit merchant payment fails | The merchant may not be categorised as an eligible verified merchant or SBI may apply a lower internal limit. |
| Changing UPI app does not restore limit | The restriction may be applied at the bank-account level rather than app level. |
| Limit still not restored after midnight | Some restrictions operate on a 24-hour or cooling-period window instead of a simple calendar-day reset. |
SBI UPI Limit Security Tips
- Do not split suspicious transactions merely to bypass a limit.
- Never share the UPI PIN to increase a limit.
- SBI customer care does not need your UPI PIN to change or explain a limit.
- Verify the recipient before making a large UPI transfer.
- Use only official and trusted UPI applications.
- Do not approve unknown collect requests.
- Do not scan an unknown QR code to receive money.
- Review transaction history before retrying a failed payment.
- Use lower-value payment controls when appropriate.
- Report unauthorised transactions immediately.
Official SBI Assistance
Current SBI Contact Centre numbers include:
- 1800 1234
- 1800 2100
- 1800 11 2211
- 1800 425 3800
- 080-26599990
For complaint registration and status tracking, read: SBI Complaint Online & CRH Guide .
Never disclose UPI PIN, OTP, ATM PIN, YONO MPIN or Internet Banking password while asking about UPI limits.
Frequently Asked Questions
What is the SBI UPI transaction limit per day?
SBI currently publishes a standard normal UPI limit of ₹1 lakh per day after the applicable cooling period.
What is the SBI UPI limit per transaction?
The standard normal UPI limit is currently ₹1 lakh per transaction.
How many SBI UPI transactions can I make per day?
For P2P transfers, SBI currently allows a maximum of 20 transactions per account in 24 hours within the applicable value limit.
Is there a 20-transaction limit for merchant payments?
SBI states that P2M transactions do not have the same transaction-count restriction, although the applicable value limit still applies.
Why is my SBI UPI limit only ₹5,000?
A ₹5,000 restriction commonly applies during the security cooling period after setting or resetting the UPI PIN.
What is the SBI UPI limit after PIN reset on Android?
Current SBI guidance states a maximum cumulative amount of ₹5,000 during the first 24 hours.
What is the iPhone limit after resetting UPI PIN?
SBI currently states ₹5,000 per day for the first five days.
What is the current UPI Lite per-transaction limit?
Current RBI and NPCI limits allow UPI Lite payments up to ₹1,000 per transaction.
What is the maximum UPI Lite balance?
The current limit is ₹5,000.
Why does an old SBI FAQ show ₹500 and ₹2,000 for UPI Lite?
That FAQ retains older values. RBI/NPCI and SBI's later guidance reflect the enhanced ₹1,000 per transaction and ₹5,000 balance limits.
Can I send ₹2 lakh through normal SBI UPI to a friend?
No, not as one standard P2P transaction under the current ₹1 lakh normal SBI limit.
Can some UPI merchant payments exceed ₹1 lakh?
Yes. NPCI permits higher ceilings for specified verified-merchant categories, subject to SBI's internal limits and correct merchant classification.
What is the UPI limit for an IPO?
SBI currently states that IPO applications through UPI can be made up to ₹5 lakh per transaction.
Can capital-market UPI payments go up to ₹5 lakh?
NPCI's newer verified-merchant framework provides a ₹5 lakh per-transaction ceiling for eligible Capital Market merchants, subject to member-bank implementation.
What is the UPI limit for insurance payments?
NPCI's latest specified verified-merchant ceiling is ₹5 lakh per eligible Insurance transaction, subject to bank controls.
Can I pay a ₹5 lakh credit-card bill through UPI?
NPCI permits up to ₹5 lakh per transaction for eligible verified credit-card bill-payment merchants, but SBI or the application may apply a lower operative limit.
Can I increase SBI UPI limit manually in YONO?
You cannot simply select any higher limit for ordinary UPI transfers. Higher ceilings depend on the transaction category and SBI/NPCI rules.
Will using another UPI app give me another ₹1 lakh limit?
Not necessarily. SBI and UPI limits can be enforced at the bank-account level, so changing applications is not a reliable way to obtain another limit.
Does the SBI UPI daily limit reset exactly at midnight?
Not every restriction does. SBI describes several controls using a 24-hour window, and cooling periods are measured from the relevant security event.
Do failed transactions immediately restore the available limit?
Not always. Limit counters can take time to update depending on the transaction stage and reversal processing.
Does UPI Lite require UPI PIN for every payment?
No. Eligible UPI Lite payments are designed to be made without entering the UPI PIN for each transaction.
Should I tell SBI customer care my UPI PIN to increase a limit?
No. Never disclose your UPI PIN, OTP, ATM PIN, YONO MPIN or banking password.
Official Sources Checked
- SBI – UPI Transaction Limits and Cooling Period
- SBI UPI Customer Care FAQs
- NPCI UPI Lite
- NPCI UPI FAQs
- Reserve Bank of India
Final Summary
SBI currently publishes a standard UPI limit of ₹1 lakh per transaction and ₹1 lakh per day after the applicable security cooling period.
For person-to-person transfers, SBI allows a maximum of 20 transactions per account in 24 hours. Merchant payments do not have the same 20-transaction count restriction, although applicable value limits remain.
After setting or resetting a UPI PIN, Android customers currently have a ₹5,000 cumulative limit during the first 24 hours. SBI publishes a ₹5,000-per-day restriction for the first five days on iOS.
Current UPI Lite limits allow payments of up to ₹1,000 per transaction and a maximum Lite balance of ₹5,000.
Selected verified-merchant categories can have higher NPCI ceilings. NPCI's newer framework allows up to ₹5 lakh for several eligible categories, but banks can apply lower internal limits. Therefore, always follow the amount displayed by SBI at payment time.
If SBI shows Limit Exceeded, check the amount, number of P2P transactions, recent UPI PIN reset, previous payments and the applicable 24-hour window before retrying.