UPI's new rules: Now big payments are easy, know what has changed

New Delhi. UPI has made big transactions easier. From September 15, 2025, the National Payments Corporation of India (NPCI) has increased the payment limit of UPI to Rs 10 lakh per day. This rule will be applicable especially for sectors like insurance, investment, travel, and loans. Let us know what these changes mean for you.

Relief in insurance and investment

Now you can pay up to Rs 5 lakh for insurance premium and investment in capital market through UPI. Earlier this limit was only Rs 2 lakh. However, transactions up to a maximum of Rs 10 lakh will be possible in a day.

Increased convenience in travel and government payments

UPI limit for the travel sector has also been increased from Rs 1 lakh to Rs 5 lakh. Be it a tour package or flight booking, now big payments can be done easily. Apart from this, up to Rs 5 lakh can be paid per transaction on the government e-marketplace (GEM portal), which was earlier Rs 1 lakh. Tax and earned money deposits are also included in this.

New limit for credit card and loan EMI

Transactions up to Rs 5 lakh are now possible for credit card bill payment, but the total limit in 24 hours will be Rs 6 lakh. Also, a limit of Rs 5 lakh per transaction and Rs 10 lakh per day has been fixed for loan and EMI payments.

Jewellery and banking services

The UPI limit for jewellery purchase will now be Rs 2 lakh per transaction and Rs 6 lakh per day. At the same time, digital onboarding for banking services like term deposit will provide a facility of Rs 5 lakh per transaction.

No change in P2P payment

Note that the limit for person-to-person (P2P) payment will remain Rs 1 lakh per day as before. These new rules will provide great relief to users making large transactions, especially in those sectors where earlier there was a problem due to limited limits.