Unified Payments Interface (UPI) has transformed digital transactions in India, enabling them to be smooth, immediate, and incredibly efficient. HDFC Bank, a prominent private bank in India, offers UPI services to its clients with defined transaction limits. Nonetheless, numerous users frequently perceive these limitations as constraining and desire to expand them. In this guide, we will examine the HDFC UPI limit and ways to enhance it easily.
What Is UPI & Why Is It So Popular?
UPI is a real-time payment platform created by the National Payments Corporation of India (NPCI). It enables users to transfer funds immediately between bank accounts using a mobile number or Virtual Payment Address (VPA). The user-friendliness and round-the-clock accessibility have established UPI as the preferred choice for digital transactions in India.
Benefits of Using UPI
- Instant transactions: No waiting time, money transfers happen in seconds.
- Highly secure: Multi-layer authentication ensures safety.
- No need for bank details: Just a UPI ID is enough.
- Works across banks: UPI is not limited to a single bank.
- Supports bill payments, shopping, and more.
What Is the UPI Transaction Limit in HDFC Bank?
HDFC Bank imposes specific transaction limits on UPI transfers to ensure security and prevent fraud. Here’s a breakdown:
HDFC UPI Transaction Limits 2025
- Per transaction limit: ₹1 lakh per transaction.
- Daily limit: ₹1 lakh per day.
- New user limit: ₹5,000 for the first 24 hours.
- Hourly limit: ₹5,000 for new transactions after changing UPI PIN.
- Merchant transactions: ₹2 lakhs per transaction for select verified merchants.
UPI transactions are establishing new standards in India, owing to their ease of use and effectiveness. To manage this expanding digital payment landscape, the National Payments Corporation of India (NPCI) has established a daily transaction cap of Rs. 1 lakh for each person.
Nonetheless, HDFC Bank imposes specific UPI transaction limits for its customers, which might vary from NPCI’s regulations. Grasping these boundaries is crucial for smooth and continuous transactions.
The UPI transaction limit for HDFC is Rs. 1 lakh daily or 20 transactions in a 24-hour period for both person-to-person and person-to-business transfers. For new UPI users, the starting limit is Rs. 5,000 during the initial 24 hours on Android devices and 72 hours on iPhones after registration. These restrictions are applicable no matter which UPI app is utilized.
If you surpass the daily transaction limit, additional transactions will be restricted until the following day.
The table below provides the HDFC UPI limit for different scenarios:
| UPI Transactions | Maximum Limit |
| P2P (Person to Person) and P2M (Person to Merchant) | ₹1 Lakh or 20 Transactions (Calculated on 24 Hours basis) |
|
Capital markets and Merchant collect (Eg:- AMC, Broking, Mutual Funds, Credit Card payments, Loan re-payments, EMI, etc.) | ₹2 Lakh per transaction |
| IPO Application using UPI | ₹5 Lakh per transaction |
Please be aware that the transaction limits for UPI are established and standardized by the National Payments Corporation of India (NPCI), which is the regulatory authority for UPI. Because these limits are established by the government, users are unable to raise or alter the UPI limit. Users are required to follow the daily transaction limit rules.
Why Does HDFC Bank Have a UPI Limit?
1. Fraud Prevention
Banks set limits to protect users from unauthorized transactions and potential fraud. One can not exceed this limit. This leads to fraud prevention.
2. Regulatory Compliance
NPCI and RBI guidelines mandate transaction limits for added security. This really helps in maintaining regulatory compliance.
3. Risk Management
To ensure the banking infrastructure isn’t overwhelmed and to prevent excessive fund movement.
How To Increase UPI Transaction Limit in HDFC Bank?
If you find the HDFC UPI limit restrictive, there are ways to increase it. Let’s explore them step by step.
1. Request a UPI Limit Increase via Net Banking
Steps to Follow:
- Log in to HDFC Net Banking.
- Navigate to Fund Transfers.
- Click on UPI Transaction Limit.
- Select Increase Limit.
- Enter the desired amount (subject to bank policies).
- Verify with OTP and submit.
2. Use HDFC Mobile Banking App
Steps to Follow:
- Open the HDFC Mobile Banking App.
- Navigate to UPI Settings.
- Select Increase UPI Limit.
- Enter the new limit and verify with OTP.
- Confirm and wait for approval.
3. Visit Your Nearest HDFC Branch
If online options don’t work, visit an HDFC branch and submit a request form to increase your UPI limit. Ensure you carry your identity proof and account details.
4. Contact HDFC Customer Support
You can call HDFC customer care at 1800 202 6161 or 1800 267 6161 to request an increase in your UPI limit.
5. Maintain a High Transaction Volume
Regular transactions with higher amounts over time can prompt the bank to increase your limit automatically.
What To Do If Your UPI Transaction Fails Due to Limit Restrictions?
If your UPI transaction fails due to limits, try these solutions:
- Split the amount into multiple transactions.
- Use another HDFC UPI ID linked to a different account.
- Switch to NEFT/RTGS for higher transactions.
- Wait for 24 hours and retry.
Tips To Ensure a Seamless UPI Experience
- Keep your UPI PIN confidential.
- Update your mobile number with the bank.
- Ensure your daily transaction limit is sufficient.
- Use a stable internet connection.
- Regularly monitor account activity.
Conclusion
HDFC Bank sets UPI limits to ensure secure transactions, but users can increase their transaction limits through net banking, mobile banking, customer care, or by visiting a branch. By following the right steps, you can seamlessly enhance your UPI limits and enjoy hassle-free transactions. If you frequently hit your transaction limit, consider switching to alternative payment methods like NEFT or RTGS for high-value transactions.
FAQs
1. How long does it take to increase the UPI limit in HDFC Bank?
Most limit increase requests are processed instantly or within 24 hours, depending on verification.
2. Is there a charge for increasing the UPI limit in HDFC?
No, HDFC does not charge for increasing your UPI transaction limit.
3. Can I transfer more than ₹1 lakh using HDFC UPI?
No, the maximum per-day limit is ₹1 lakh, but you can use NEFT or RTGS for higher amounts.
4. Why is my HDFC UPI limit lower than ₹1 lakh?
New users and recent PIN changers have a lower limit of ₹5,000 for security reasons.
5. Can I use multiple UPI apps to bypass the transaction limit?
Yes, linking your HDFC account to different UPI apps can help manage transactions, but the total UPI limit remains the same as per bank policies.
