UPI (Unified Payments Interface) has revolutionized digital payments in India, making transactions seamless and instant. As an SBI (State Bank of India) customer, you may have faced problems with transaction limits when utilizing UPI. Regardless of whether you own a business, shop often, or are merely involved in high-value transactions, grasping and enhancing your SBI UPI limit is essential. Let’s delve into the specifics and examine ways to increase your UPI transaction limits.
Understanding SBI UPI Limits
Before we discuss increasing your UPI transaction limit, it’s essential to understand the restrictions SBI imposes on UPI transactions.
This SBI UPI limit helps you handle your finances more wisely and prevent unnecessary spending each day. Since mid-2023, the State Bank of India has implemented this new regulation for UPI transactions. The bank additionally limits its customers to a maximum of 10 transactions each day. SBI customers are required to follow this transaction limit for making payments on all UPI applications.
Understanding the SBI UPI transaction limits for 2025 guarantees that you can maximize your digital banking experience without encountering unforeseen challenges. By comprehending the daily and monthly transaction caps, along with knowing any relevant fees, you can organize your transactions efficiently. For any changes or questions about your UPI limits, SBI provides easy online and offline options to assist you in managing your banking requirements effortlessly. Keeping updated on these guidelines will assist you in ensuring seamless and effective digital transactions.
What Is the Default SBI UPI Limit?
SBI has set a default limit for UPI transactions to ensure security and prevent fraud. Here’s what you need to know:
- Per Transaction Limit: ₹1,00,000
- Daily Transaction Limit: ₹1,00,000
- Newly Registered UPI Users: ₹5,000 per transaction for the first 24 hours
It is crucial to recognize that these limits may vary at the bank’s discretion. Consequently, customers must remain informed about the rules and regulations established by SBI to keep aligned with the SBI UPI limit.
Why Does SBI Impose UPI Limits?
SBI enforces transaction limits to:
- Reduce the risk of fraud and unauthorized transactions.
- Ensure banking system stability.
- Prevent misuse of UPI services.
The highest SBI UPI transaction limit is Rs.1,00,000. You can customize this limit to fit your financial strategy using the SBI YONO app.
How To Check Increase SBI UPI Transaction Limit?
If you’re unsure about your current UPI transaction limit, follow these simple steps:
Using SBI YONO App
- Download the SBI YONO app from the Google Play Store or Apple Store. Complete your first-time registration for SBI YONO App.
- Login at SBI YONO using MPIN.
- From the Left side menu item select “YONO Pay”. Click on View All, You will be taken to the “YONO Pay screen”, where you can find “Manage Transaction Limit”.
- On clicking “Manage Transaction Limit”, the App will ask for an Internet banking profile password.
- Enter your Internet banking profile password. Now you can set the transaction limit.
- Enter the amount you want to keep as a transaction limit. Click on the confirm button given below.
- OTP will be generated and sent to your registered mobile number. Once you enter the correct OTP and press the submit button, your transaction limit will be changed to a new transaction limit.
- You will be able to see the message ” Your third-party transaction limit has been successfully set.
The limit set by you will be your revised overall third-party transaction limit. Please ensure sufficient limits in case you have scheduled transactions / standing instructions in your accounts.
How To Increase SBI Per Day Transaction Limit Using SBI Net Banking
- Visit the State Bank of India Website and sign in using your SBI Net Banking Username and Password. OTP will be generated and sent to the registered mobile number for second-level authentication. Enter the OTP.
- From the Left side menu Go to Profile >> Define Limit Option.
- You will be prompted for a Profile Password. Enter your Profile Password and press the submit button.
- On the Next page, you will be able to see various transaction limits such as – Demand Draft Limit, Tax Transaction Limit, and Merchant Limit for special category merchants.
- Below you will find the option to change your daily and per transaction limit for General Category Merchants. It would be something like – Click Here to set up per day/per transaction limit for General Category Merchants.
- Enter the amount for your transaction limit and press the submit button.
- Press the approve button. The system will generate OTP. Enter the one-time password sent to your mobile number and press the confirm button to change your transaction limit.
If you’re facing issues increasing your limit, you can:
- Call SBI Customer Care at 1800 1234.
- Visit your home branch and request a UPI limit enhancement.
- Drop an email to SBI support with a request to increase your UPI limit.
If you’re a new UPI user, SBI restricts your limit to ₹5,000 per transaction for the first 24 hours. After this period, your limit will be automatically raised.
Common Reasons for UPI Limit Issues
Even if you try increasing your UPI limit, you may still face limitations. Here are some common reasons:
1. New Account or New UPI Registration
- If you’ve recently created an SBI account or just activated UPI, you’ll have to wait 24 hours before increasing the limit.
2. Exceeding Daily Transaction Limit
- SBI has a hard cap of ₹1,00,000 per day for UPI transactions. If you hit this limit, you’ll need to wait until the next day.
3. Technical Issues
- Sometimes, server outages or app glitches can prevent limit modifications. Try again after some time.
4. Inactive Account
- If your bank account hasn’t been active for a long time, SBI may impose lower transaction limits for security reasons.
Tips to Avoid UPI Transaction Failures
If you frequently face UPI transaction failures, here are some handy tips:
1. Ensure Sufficient Balance
- Insufficient funds can cause transactions to fail. Always check your balance before making payments.
2. Update Your UPI App
- Using outdated versions of Google Pay, PhonePe, or SBI YONO might cause issues. Update regularly.
3. Use a Stable Internet Connection
- Poor network connectivity can interrupt UPI transactions. Use Wi-Fi or a stable 4G/5G network.
4. Verify Payee Details
- Entering the wrong UPI ID or mobile number can lead to failed transactions. Double-check before sending money.
5. Try Alternative UPI Apps
- If one app (e.g., Google Pay) isn’t working, try another (e.g., PhonePe, Paytm, or SBI Pay).
Final Thoughts
SBI UPI limits are in place to ensure security, but they can sometimes feel restrictive. Luckily, increasing your limit is a straightforward process using SBI YONO, net banking, or customer support. By following the steps outlined above, you can seamlessly enhance your transaction limits and enjoy hassle-free digital payments. If you face any issues, SBI’s customer support is always there to assist you!
FAQs
1. What is the maximum UPI transaction limit in SBI?
SBI allows a maximum of ₹1,00,000 per transaction and per day for UPI transactions.
2. How long does it take to increase my SBI UPI limit?
If done via YONO or net banking, the change is instant. Otherwise, customer service requests may take 24-48 hours.
3. Why is my SBI UPI limit restricted to ₹5,000?
New UPI users have a default limit of ₹5,000 for the first 24 hours, after which it increases automatically.
4. Can I increase my SBI UPI limit beyond ₹1,00,000?
No, RBI regulations cap the maximum UPI transaction limit at ₹1,00,000.
5. What should I do if my UPI limit increase request fails?
Ensure your account is active, try a different method, or contact SBI customer support for assistance.
