UPI transaction limits and UPI AutoPay mandates control different things. A transaction limit affects how much you can send in one payment; a mandate authorises recurring payments such as bills or subscriptions. Check your app and linked bank for the limit that applies to your account, and use the app’s mandate controls to review, pause, modify or revoke recurring payments.
First identify which UPI control you need
- Per-transaction limit: the maximum amount allowed in one UPI payment.
- Daily limit: an app- or bank-set cap on the total amount or number of payments over a day. It is separate from the per-transaction limit.
- UPI AutoPay mandate: permission for a merchant or service to collect recurring payments under the terms shown in the mandate.
Changing an AutoPay mandate does not raise your one-off transfer limit, and changing a transaction limit does not pause a subscription or bill payment.
What is the limit for a UPI transfer?
NPCI’s UPI FAQ states that normal UPI is limited to up to ₹1 lakh per transaction. It lists higher transaction ceilings for specified categories: up to ₹2 lakh for Capital Markets, Collections, Insurance and Foreign Inward Remittances, and up to ₹5 lakh for IPO and Retail Direct Scheme payments. These are category-specific ceilings, not amounts guaranteed for every user or transaction. Your bank or payment app may apply a lower limit. NPCI UPI FAQ
The FAQ’s per-transaction figure does not tell you the daily amount or transaction-count limit on your account. Official NPCI guidance does not establish one universal limit-setting menu or a single daily cap for every UPI app. Check your current app and bank settings for the limits they apply.
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How to check whether your UPI limit can be changed
- Open your payment app and look in its profile, linked bank account, or UPI settings for transaction or payment limits.
- Check whether the displayed figure is a per-transaction limit, a daily amount limit, or a daily transaction-count limit; do not treat them as interchangeable.
- If the limit is missing, unclear, or not editable, contact your bank or the app’s official support channel and ask which cap applies to your account and whether it can be changed.
- Before retrying a declined payment, confirm the amount is within the applicable limit and check for any other decline reason shown by the app or bank.
Menu names and available controls vary by app and bank, so follow that provider’s current help instructions rather than assuming every app has a limit slider.
How to view and manage UPI AutoPay mandates
NPCI’s circular OC-223, dated 7 October 2025, requires apps to let users view and port active UPI AutoPay mandates from either “Manage Bank accounts” or a dedicated “UPI Autopay” section. The circular also provides for revoke, pause and modify operations. The exact screen layout can still vary by app. NPCI Circular OC-223
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- Open the app’s “Manage Bank accounts” area or its “UPI Autopay” section.
- Open the active mandate list and select the mandate you want to manage. If the app offers “View Mandate,” use it to open the mandate details.
- Check the merchant or service, amount, frequency and dates displayed. Make sure you have selected the correct mandate before changing it.
- Choose the operation you intend: pause to suspend collections, modify to change available terms, or revoke to cancel the mandate.
- Review the confirmation screen and authenticate the requested payer-initiated operation with your UPI PIN.
- Return to the mandate list or details screen and confirm that its status reflects the action you took.
NPCI says payer-initiated AutoPay operations require the UPI PIN. Enter it only in the authorised payment-app flow; never share it with a merchant or support agent. The PIN authorises bank transactions, as explained in the NPCI UPI FAQ.
Pausing, modifying, revoking and porting are different
- Pause: temporarily suspends the mandate according to the options the app presents. Check the displayed status and any dates before relying on it.
- Modify: changes mandate details where the app permits it. Review the changed amount, frequency or dates before authorising.
- Revoke: cancels the mandate’s authorisation for future recurring collections. It is distinct from requesting a refund for a payment already made; use the merchant or bank’s relevant dispute or refund process for that.
- Port: moves a mandate to another app. Under OC-223, porting is initiated by the user from the mandate details page fetched with “View Mandate” and can be done only once in a rolling 90-day period. Follow the app’s prompts and verify the destination app and mandate details before confirming.
What UPI AutoPay can cover
NPCI’s BHIM product page gives recurring-payment examples including mobile bills, electricity bills, EMI payments, entertainment and OTT subscriptions, insurance, and mutual funds. The available services and mandate controls depend on the participating app, bank and merchant. NPCI BHIM product page
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