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You can check your UPI limits and manage payment permissions in your UPI app, but there is no universal setting or menu path. Limits depend on NPCI ceilings, your bank’s own restrictions, and whether your account and payment category are eligible. To manage permissions, treat linked bank accounts, recurring AutoPay mandates, and delegated payments as separate controls.
How UPI transaction limits work
A limit shown in your app may be lower than the maximum allowed for a payment category. NPCI sets category-level ceilings; banks can apply lower internal limits within those ceilings, and eligibility can depend on the account, merchant, and transaction type.
| Payment type | NPCI ceiling described in the cited source | What to keep in mind |
|---|---|---|
| Normal UPI transfer | Up to ₹1 lakh per transaction, according to NPCI’s FAQ; the page does not state a publication date. | This is a ceiling, not a promise that your bank or account will permit that amount. |
| Capital markets, collections, insurance, and foreign inward remittances | Up to ₹2 lakh per transaction, according to NPCI’s FAQ; the page does not state a publication date. | Confirm the category and eligibility with your bank and the relevant app. |
| IPO and Retail Direct Scheme | Up to ₹5 lakh per transaction, according to NPCI’s FAQ; the page does not state a publication date. | This applies to the named categories, not ordinary transfers. |
| Tax-payment-aligned categories | Up to ₹5 lakh per transaction for verified merchants, under NPCI’s circular dated 28 August 2025. | Banks retain discretion to set internal limits within NPCI ceilings. NPCI says P2P limits continue under extant guidelines. |
For the general ceiling and category details, see NPCI’s UPI FAQ. The tax-category implementation and bank discretion are set out in NPCI’s 28 August 2025 circular. The Reserve Bank of India’s 8 August 2024 policy announcement described raising tax-payment limits from ₹1 lakh to ₹5 lakh per transaction and proposed delegated payments; consult NPCI’s later circular for the implementation detail.
How do I change my UPI limit?
First identify which limit you mean. A category ceiling is set by NPCI; an individual bank may impose a lower internal limit; and an app may show what is currently available for your account or transaction. The sourced guidance does not establish that every user can manually raise a personal limit in an app.
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- To increase the safety factor, you can choose to configure an ISO7816-3 compliant SAM card slot in the ACR122.
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- Check the transaction category. Confirm whether the payment is a normal transfer or belongs to a category with a higher ceiling, such as an eligible tax payment or IPO transaction.
- Open your UPI app’s payment or bank-account management controls. Look for limit information associated with the linked account or payment type. Labels and controls vary by app, so there is no single verified sequence of menu taps.
- Check your bank’s official app, help pages, or support. Ask whether it applies an internal cap or account restriction and whether that restriction can be changed. A bank’s limit can be lower than the applicable NPCI ceiling.
- Confirm eligibility before retrying. For a higher-category ceiling, check that the merchant and transaction qualify. Do not assume that changing a setting will make an ineligible payment possible.
How can I stop UPI payments from my account?
Choose the control that matches the permission you want to stop. Removing an app’s link to a bank account, cancelling a recurring mandate, and ending another person’s delegated authority are different actions; one does not necessarily cancel the others.
| Permission | What it controls | Where to look |
|---|---|---|
| Linked bank account | The app’s link to an account used for UPI payments. | The UPI app’s bank-account management area. Ask your bank about bank-level restrictions or account concerns. |
| AutoPay mandate | A recurring authorization for scheduled payments. | A Manage Bank accounts area or a dedicated UPI AutoPay section, where supported. |
| Delegated payment | Authority for a secondary user to make payments under a primary user’s account and configured terms. | The app’s UPI Circle or delegated-payment controls, if available. |
Linked bank accounts
To inspect an account link, open your UPI app and find its bank-account management area. If the app offers removal, use its current instructions and verify what that action affects. The reviewed official materials do not confirm the same removal control in every app, nor do they establish a universal menu path. Removing an account from one app should not be treated as cancelling an AutoPay mandate or delegated permission unless the app or bank confirms that effect.
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- Built for CAC and Common Access Applications: Designed for DOD military CAC, Common Access, and other smart card login applications, this reader supports secure credential verification and smart card-based access when used with the required third-party software or card service platform. Suitable for government, military, business, and administrative environments.
- Broad Card and Standard Compatibility: Supports ISO7816 contact smart cards, ISO14443 contactless cards, and major standards including PC/SC, CCID, EMV, and Microsoft WHQL. Compatible with Class A, B, and C cards in 5V, 3V, and 1.8V formats for a wide range of chip cards, ID cards, and NFC-enabled cards.
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- Plug and Play and Easy to Carry: No driver installation required for the reader itself. Compatible with Windows 11/10, macOS, Linux, and Android for convenient setup across multiple devices. Compact, lightweight, and easy to carry for home, office, and travel use. Please note that some cards or secure systems may still require their own middleware or application software.
AutoPay mandates
AutoPay is a recurring permission, not simply a transaction limit. NPCI’s circular dated 7 October 2025 places mandate management in “Manage Bank accounts” or a dedicated “UPI Autopay” section. It lists viewing and porting active mandates, as well as revoking, pausing, and modifying them. Check the current labels and available actions in your participating app before relying on a change.
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See NPCI’s 7 October 2025 AutoPay lifecycle circular for the stated framework.
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Delegated payments
Delegation gives another person authority to pay under terms set by the primary user; it is distinct from an ordinary UPI transaction ceiling. The RBI described the model as allowing a primary user to set a UPI transaction limit for a secondary user on the primary user’s bank account. The RBI’s 8 August 2024 announcement describes the policy proposal.
BHIM UPI Circle Full Delegation has feature-specific terms: NPCI BHIM Services Limited’s announcement dated 25 November 2025 says the primary user can set a monthly spending limit up to ₹15,000 and an expiry period up to five years. These are BHIM feature limits, not normal UPI ceilings and not terms that should be assumed for other apps. Check the app’s controls to review or end a delegation.
Rank #4
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- 【Full Certification & Broad Card Support】 Certified FCC, CE, VCCI, CCID and Microsoft WHQL. Contact interface follows ISO7816 Class A/B/C with T0/T1 protocol; NFC module supports ISO14443 A/B and MIFARE. Compatible with SLE, AT88SC memory smart cards, meeting PC/SC 2.0 and EMV standards for high-security military and government authentication.
- 【Plug & Play Multi-OS Reader】No driver needed for immediate use. Works on Windows, mac OS, Linux and Android devices. Standard CCID hardware compatible with common card management tools. Please be aware that third-party decoding software and official card middleware are not included in the package.
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Details are in BHIM’s 25 November 2025 announcement.
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NPCI defines the UPI PIN as the passcode used to authorize bank transactions and warns users not to share it. If your phone is lost, contact your bank. Repeated incorrect PIN entries may temporarily block sending money, depending on the bank.
Quick Recap
- Never disclose your UPI PIN to another person.
- If your phone is lost, contact your bank promptly to report the risk and ask what account-protection steps it recommends.
- If sending money stops after incorrect PIN entries, check with your bank about its blocking and recovery process.
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