UPI Now Allows Payments Up to ₹10 Lakh for Insurance, Travel, and Credit Bills
New Delhi, Sep 15, 2025: In a significant boost to digital payments in India, the Unified Payments Interface (UPI) has increased its transaction limits for select merchant categories, allowing users to make payments of up to ₹10 lakh per day starting today.
The National Payments Corporation of India (NPCI), which manages UPI, has revised the Person-to-Merchant (P2M) transaction limits, aiming to simplify high-value payments across sectors such as insurance, capital markets, credit card bill payments, loan repayments, and travel bookings. These enhanced limits apply only to verified merchants. The limit for Person-to-Person (P2P) transfers remains unchanged at ₹1 lakh per day.
New UPI Transaction Limits by Category:
- Insurance & Capital Markets:
Per transaction limit increased from ₹2 lakh to ₹5 lakh, with a daily cap of ₹10 lakh. - Government e-Marketplace (GeM):
Transaction limit raised from ₹1 lakh to ₹5 lakh. - Travel (Flights, Hotels, Packages):
Payments allowed up to ₹5 lakh per booking, with a daily limit of ₹10 lakh. - Credit Card Bill Payments:
New limit set at ₹5 lakh per transaction, up to ₹6 lakh per day. - Loan Repayments & EMI Collections:
Users can now pay up to ₹5 lakh per transaction, with a ₹10 lakh daily cap. - Jewellery Purchases:
Increased from ₹1 lakh to ₹2 lakh per transaction; daily limit now ₹6 lakh. - Capital Term Deposits & Other Banking Services:
Maximum limit of ₹5 lakh per transaction and per day.
Enhanced Security Measures
To ensure the safety of these high-value payments, NPCI has introduced robust security protocols. These include:
- Multi-factor authentication
- AI-powered fraud detection
- Strict verification of merchants
Users won’t need to manually update their apps—these changes will be automatically rolled out across UPI-enabled platforms.
Experts Welcome the Move
Industry analysts say the revised limits will help reduce transaction failures and make UPI a more viable option for large payments that previously required net banking or other traditional modes. With this update, consumers can now pay insurance premiums, make large investments, clear credit card dues, or book high-value travel packages with ease.
Experts believe this marks a new phase for UPI, transforming it from a small-value payment platform into a comprehensive solution for all financial transactions—big or small.
