UPI Rules Explained
NPCI Official Limits & Full Breakdown
Who Controls UPI?
UPI ke saare rules National Payments Corporation of India (NPCI) decide karta hai. PhonePe, GPay, aur Paytm sirf apps hain. Final limit NPCI aur aapke Bank ke rules par depend karti hai.
2 Types of Transactions
Person to Person
Friend, Family, Rent, Personal QR.
Person to Merchant
Shop, Business QR, Hospital, Bills.
Daily Money Limit
NPCI ke official rules ke anusar standard limit:
P2P & Normal Merchants:
₹1,00,000 / DayGeneral Store, Chai Shop, etc.
High-Value Categories
Sirf Verified Merchants ke liye special limits:
- Education & Hospitals: ₹5 Lakh per transaction
- IPO & Insurance: ₹5 Lakh – ₹10 Lakh
- Credit Card Bill: ₹6 Lakh per day
Note: Agar wahi shop personal QR use kare, to ye benefit nahi milega.
The 20 Transactions Rule
Sabse zyada confusion yahi hoti hai. Aap din me maximum 20 Outgoing Transactions hi kar sakte hain.
P2P + P2M = Total 20
21st Transaction hamesha fail hoga, chahe amount ₹1 hi kyu na ho.
24 Hours Rule Logic
Bank do tarah se “Ek Din” count karte hain:
Raat ke 12:00 baje limit zero ho jati hai. (Most Common)
Pehli transaction se agle 24 ghante tak count chalta hai.
Not Counted in Limit
Ye cheezein 20 transaction ki limit me nahi aati:
- Incoming Money
- Balance Check
- UPI Lite Payments
- Autopay Mandates
Important Disclaimer
This information is based on current NPCI guidelines and general banking practices as of the latest update. Banking rules, limits, and categories are subject to change without prior notice by NPCI or specific banks. Always verify the limits with your bank’s official website or customer support before making high-value transactions. The creator of this page is not responsible for any failed transactions or financial loss.
Stay Safe & Digital | Designed for Clarity
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