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If your phone is lost, block its registered SIM and report the loss to your bank immediately; ask the bank and each UPI app how to secure UPI access. To control payment amounts, first distinguish the published UPI network limits from any lower limit imposed by your bank or app and from a personal limit you may be able to set. There is no universal customer-set limit menu or single switch that disables every form of UPI across all banks and apps.
What to do first if your phone is lost
NPCI’s UPI FAQ advises users to block the mobile number associated with the lost phone and contact their bank. Blocking the SIM is an urgent first step, not a substitute for asking the bank and app providers to secure the accounts and payment access tied to the device.
- Block the registered number or SIM. Contact your mobile operator using its official process so the lost SIM cannot be used for calls, SMS, or registration attempts.
- Report the loss to your bank immediately. Use an official channel such as the bank’s app, website, phone banking, IVR, email, SMS channel, or branch, as available. RBI directions require banks offering e-banking to maintain multiple 24×7 channels for reporting loss or theft and unauthorized transactions. Keep the complaint or reference number.
- Ask the bank to secure account and UPI access. Ask specifically whether it can disable UPI for the linked account, block the lost device or session, secure debit-card access that could be used in UPI PIN resets, and advise what to do about active mandates. The available controls and remote procedures vary by bank; no single procedure or remote option is established for all banks.
- Secure each UPI app and ID. Follow the app provider’s official lost-device process. If you can still access the account from another trusted device, review linked accounts and any supported UPI-ID controls. For example, BHIM documents an option to enable or disable a mobile-number UPI ID under a specific profile condition: a secondary UPI ID must exist. Disabling that ID should not be treated as disabling every UPI payment on the bank account.
- Report suspicious transactions to the bank without delay. NPCI’s complaint guidance directs users with fraudulent or unidentified unauthorized transactions to raise the complaint with their bank. NPCI’s portal can assist with transaction complaint and status handling, but it does not replace immediate bank reporting.
- Check UPI Lite separately. Ask the app provider or bank how to secure or recover a Lite balance associated with the lost device. NPCI’s UPI Lite booklet says Lite can be disabled in-app and the remaining balance returned; it does not transfer automatically to a replacement phone. The reviewed guidance does not establish a universal remote recovery route for a phone that is already lost.
- Re-register after replacing the SIM or phone. NPCI says that changing the SIM, mobile phone, or PSP application requires UPI re-registration. After setting up again, verify the linked bank accounts and check transaction history and mandates.
What UPI transaction limits apply?
NPCI’s UPI FAQ currently states the following per-transaction limits for the categories it lists. These are published network/category limits, not a promise that every bank or app will let a customer send the full amount. A participating bank or app may impose a lower limit, and limits or eligible categories can change.
| Transaction category | Published limit | Source and qualification |
|---|---|---|
| Normal UPI transactions | Up to ₹1 lakh per transaction | NPCI UPI FAQ; the page does not state a publication date. |
| Specified categories, including capital markets, collections, insurance, and foreign inward remittances | Up to ₹2 lakh per transaction | NPCI UPI FAQ; applies to the categories named there, not to all UPI transfers. |
| IPO and Retail Direct Scheme transactions | Up to ₹5 lakh per transaction | NPCI UPI FAQ; limited to the named transaction categories. |
| Tax payments | ₹5 lakh per transaction | RBI announced in its 2024-08-08 Statement on Developmental and Regulatory Policies that the tax-payment limit would rise from ₹1 lakh to ₹5 lakh. |
How to set a personal UPI transaction limit
A network ceiling, a bank or app restriction, and a limit you choose yourself are different controls. The official NPCI materials cited here establish category limits and some BHIM controls, but they do not establish a universal menu path for setting a personal daily or per-transaction sending limit.
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- Open your bank’s or UPI app’s current payment or UPI settings and look for a transaction-limit control.
- Check whether the displayed value is a personal setting, a bank-imposed limit, or a category ceiling. If the app does not explain it, ask the bank or app support which limit it represents and whether it can be changed.
- If the app offers a user-set limit, review its scope and effect before saving it: confirm whether it applies per transaction, per day, to one account, or to all linked accounts, and whether it can be changed later.
- If you cannot find such a control, contact your bank or app provider rather than assuming that the network maximum is your account’s current limit.
Do not rely on generic menu instructions for an app you have not identified: labels and available controls depend on the bank, app, and version. BHIM’s official product description lists switching among linked accounts and setting or changing a UPI PIN. It also describes the conditional mobile-number UPI-ID control noted above; none of these features establishes a universal customer-set transfer ceiling.
Can you disable UPI remotely for a lost phone?
There is no universal “disable all UPI” switch established for every bank and app. A bank may be able to restrict UPI on a linked account or secure access after you report the loss, while an app may offer controls for a device, session, or particular UPI ID. Ask the bank and app provider what they can block remotely and what steps require access to the account or a replacement SIM.
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NPCI’s BHIM product information is an example of a narrower control: it describes enabling or disabling a mobile-number UPI ID when a secondary UPI ID exists. That is a BHIM-specific feature and should not be mistaken for a control that stops every UPI payment associated with the account. UPI Lite also has a separate balance and disablement process.
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NPCI’s UPI FAQ says to block the mobile number associated with the device and contact the bank. It also notes that UPI PIN authorization is required for transactions, but a PIN is not a reason to delay reporting the loss or securing the linked accounts. If you find an unauthorized transaction, report it to the bank immediately and retain the complaint reference.
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What changes when you replace your SIM or phone?
NPCI says that changing the SIM, mobile phone, or PSP application requires UPI re-registration. Complete setup through the official app and verify which bank accounts are linked before sending money. Review recent transactions and any active mandates as part of restoring access; if a mandate is unfamiliar or should be stopped, ask the bank or app provider how to manage it.
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