The Unified Payments Interface (UPI) has emerged as a champion of convenience and speed. In 2025, the State Bank of India (SBI) implemented specific limits for UPI transactions to ensure secure and efficient digital payments. Understanding these limits is crucial for users to manage their transactions effectively and avoid any inconvenience.
The State Bank of India (SBI) implemented daily UPI transaction limits for its customers to promote effective financial management among its customers and inculcate saving habits. Since mid-2023, SBI account holders cannot make more than 10 transactions per day with individual transactions restricted at Rs.1,00,000. However, this limit can be tailored to individual financial plans.
What is SBI UPI Limit?
As per SBI rules and regulations, there is a daily UPI transaction limit for its customers. This puts restrictions on the unlimited transactions from customers through UPI applications.
This SBI UPI limit allows you to manage your funds in a more judicious manner and avoid reckless expenses. This new rule for UPI transactions was applied in mid-2023. SBI also restricts its customers from making more than 10 transactions a day. If you are an SBI account holder, then, you must abide by these new rules while making transactions across all UPI apps.
What is SBI UPI Transaction Limit?
The per transaction limit for the SBI UPI transactions for customers is Rs.1,00,000. This UPI transaction limit is applicable to all UPI apps. In any case, an SBI customer cannot spend beyond this limit.
However, it is important to note that you can change this limit specified by the bank. The below sections cover the process of increasing the UPI transaction limit for SBI bank customers.
- UPI Transaction Limit Per Month – As per the recent updates by SBI, there is no specific UPI transaction limit on per month basis. However, these limits are subject to change.
- SBI UPI Transaction Limit Per Year – As per the State Bank of India, there is no specific yearly UPI transaction limit for its customers.
- What are SBI UPI Transaction Charges – There are no additional charges that are applicable to the SBI UPI transaction limit.
How to Increase UPI Limit in SBI?
he maximum SBI UPI transaction limit is Rs.1,00,000. You can personalise this limit to suit your financial planning through the SBI Yono application. However, you cannot increase this limit beyond Rs.1,00,000, which the bank authorities have set for UPI transactions.
How to Change UPI Transaction Limit in SBI?
- Step 1: Open the online banking application of State Bank of India and log in with your credentials.
- Step 2: Locate the option ‘UPI Transfer’ from the top menu and tap on it.
- Step 3: A new page will open here. Select the option ‘Set UPI Transaction Limit’.
- Step 4: Enter your Internet banking password to go ahead with the next step.
- Step 5: The new page will display your existing UPI transaction limit and spaces for you to set and confirm the new limit.
- Step 6: If the existing UPI limit is set to Rs.1,00,000, you cannot increase it as it is the maximum limit. However, you can lower this limit to manage your finances at your convenience.
- Step 7: In the ‘Enter new UPI transaction limit’ box, enter an amount up to Rs.1,00,000.
- Step 8: Re-enter the same amount in the box below for confirmation and click ‘Submit’.
- Step 9: After verifying your new SBI UPI limit on the new page, click ‘Confirm’ to proceed.
- Step 10: Finally, you will receive an OTP on your registered mobile number. Enter the same in the given space to set a new UPI transaction limit successfully.
FAQs
How to Set SBI UPI Transaction Limit in SBI Net Banking?
There is no way you can set the SBI UPI transaction limit through the net banking service. The only way to do so is to download the SBI YONO mobile banking app. After downloading this app, you can follow the steps mentioned in the above section and set your SBI UPI transaction limit.
If you don’t have login details or are not registered for the SBI mobile banking service, you can visit the net banking portal and register for the mobile banking service. After registering for SBI net banking, you can log in to the SBI YONO app using your user ID and password.
You can also set fingerprint authentication and avoid entering the user ID and password again and again.
While there is a restriction on the daily UPI transaction limit and the number of transactions, you can still manage your daily UPI transaction limit by either increasing or decreasing the limit. In conclusion, it provides an effective method to manage your finances and increase savings by preventing wasteful expenditure
What is the UPI limit per day SBI?
SBI has two limits for UPI transactions per day:
- Transaction value: The maximum amount you can transfer in a single UPI transaction is Rs.1,00,000.
- Number of transactions: SBI allows a maximum of 10 UPI transactions per day.
It’s important to note that you can personalize the number of transactions within the daily limit through the SBI Yono app, but you cannot increase the maximum transaction amount of Rs.1,00,000.