Higher per transaction limit for specific categories in UPI:
Subject: Addendum to OC 185 A – Implementation of higher per transaction limit for specific categories in UPIVide reference to NPCI/UPI/2024-25/OC/185 A dated 24th August 2025, NPCI has increased the per transaction limits for entities under categories aligned to Tax Payments to ₹5 lakh. With UPI emerging as a preferred payment method, there are requirements from the market on extending higher per transaction limits for additional categories of transactions in UPI.
In view of the above the per transaction limits for the mentioned categories in the Annexure I are enhanced accordingly along with additional guidelines:
- The enhanced limits shall be applicable for merchants which are categorised as ‘Verified Merchant’.
- Acquiring member banks are required to ensure that such limit shall be provided to the merchants which are compliant to the NPCI UPI guidelines mentioned in NPCI/UPI/OC-163/2022-23, NPCI/UPI/OC-163A/2023-24, NPCI/UPI/OC-100/2020-21 and NPCI/UPI/OC no.190/2023-24 wherever ever applicable.
- 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.
- The per transaction limit for P2P shall continue as per the extant guidelines.
Member, Apps and PSPs take note of the above enhancement, undertake requisite changes and ensure the compliance with the same by 15th September 2025.
1. Below are the categories where higher limits are extended
| Sr No | Categories | Merchant Category/ Identifier | Enhanced Limits | Cumulative Limits (24 hrs)* |
|---|---|---|---|---|
| 1 | Capital Market | 6211 | ₹ 5 Lakh | ₹ 10 Lakh |
| 2 | Insurance | 5960 6300 6529 | ₹ 5 Lakh | ₹ 10 Lakh |
| 3 | Government e-Market Place (EMD Payments) | 9311 | ₹ 5 Lakh | ₹ 10 Lakh |
| 4 | Travel | 4722 | ₹ 5 Lakh | ₹ 10 Lakh |
| 5 | Credit Card Bill Payments | 5413 | ₹ 5 Lakh | ₹ 6 Lakh |
| 6 | Collections | 7322 | ₹ 5 Lakh | ₹ 10 Lakh |
| 7 | Business/Merchant (Including Pre-Approved Payments) | Payer MCC shall not be 0000/ Purpose Code - 20 | ₹ 5 Lakh | NA |
| 8 | Jewellery | 5944 | ₹ 2 Lakh | ₹ 6 Lakh |
| 10 | FX Retail use case with BBPS Platform | MCC-6012 Purpose Code – BF (New Purpose Code for regular UPI transaction) Purpose Code – 01 (For One Time Mandate) | ₹ 5 Lakh | ₹ 5 Lakh |
| 11 | Digital Account Opening for Term Deposits | 7410 (New MCC) | ₹ 5 Lakh | ₹ 5 Lakh |
| 12 | Digital Account Opening – Initial Funding | 7409 (New MCC) | ₹ 2 Lakh | ₹ 2 Lakh |
Notes
- Issuing banks are required to ensure that such cumulative limits are kept at their end.
