india's payment rails — daily limits are nearly identical. pick on features.
UPI limits are set by NPCI, not the app. default ₹1 lakh/day for most transactions. ₹2 lakh for tax payments, hospitals, education, IPO. capital markets ₹5 lakh. each bank enforces its own sub-limits. app choice matters for features, UX, and cashback — not limits.
NPCI transaction limits · by category
category
daily limit
per-txn limit
peer-to-peer (default)
₹1,00,000
₹1,00,000
merchant (grocery, food, etc.)
₹1,00,000
₹1,00,000
tax payments (income tax, GST)
₹5,00,000
₹5,00,000
hospitals / schools / colleges
₹5,00,000
₹5,00,000
IPO / retail direct (govt securities)
₹5,00,000
₹5,00,000
capital markets / insurance / gold
₹2,00,000
₹2,00,000
credit card on UPI (RuPay CC)
—
₹25,000–₹50,000
new accounts or first-day UPI ID use may have ₹5k cooling period. some banks override NPCI limits downward (eg. ₹25k default on HDFC for P2P to new UPI IDs).
market-share numbers are approximate from NPCI monthly data. limits reflect NPCI circulars as of 2025 — check the app for current caps before big transfers. international UPI corridors (singapore, uae, france, nepal, bhutan, mauritius) active as of 2025; supported by phonepe, gpay, paytm and bhim.