Daily GPay Transaction Limit in India: How Much Can You Transfer in 2025
- PRITI SIRDESHMUKH
- Sep 8, 2025
- 7 min read
Google Pay (GPay) is acclaimed for the smooth transactions it facilitates as digital payments continue to gain pace in India. For people and organisations handling bill payments, money transfers, and shopping, it is essential to comprehend its daily transaction restrictions. In accordance with Google's policy and RBI requirements, the daily transaction limitations have been revised until 2025. Discover the most recent GPay daily limit in India, the highest amount you can send or receive, the daily transaction limit for 143 Indian banks, and the maximum amount you may send or receive. Learn how to raise the GPay limit as well so that you may easily conduct higher-value transactions.
Table of Contents
GPay Transaction Limit Per Day in 2025
A daily limit has been implemented by major banks for GPay at Rs. 1 lakh. Users are not allowed to exceed this as they send or receive money in a 24-hour period. This cap can be split among up to 20 transactions on Google Pay and other UPI apps each day. GPay also curbs request transactions using the Virtual Payment Address (VPA) to a daily threshold of Rs. 2,000 for an extra layer of security. Your first 24-hour limit is Rs. 5,000 if you're a new user or have recently changed your device or cell number. Additionally, your initial transaction has to be at least Rs. 50 after you install/reinstall the GPay app, and the same Rs. 5,000 limit is there for the first 24 hours. The following table shows a summary of these limits:
Transaction Type | GPay Limit |
First 24 hrs after GPay install/reinstall | Max Rs. 5,000 (Min Rs. 50 for first transaction) |
P2M (Merchant Transactions) | Rs. 1,00,000 per day |
P2P (Peer-to-Peer Transfers) | Rs. 1,00,000 per day or 20 transfers/day |
IPO Payments (Retail Investor) | Rs. 2,00,000 |
IPO Payments (Non-Institutional Investor) | Rs. 5,00,000 |
VPA Requests (Receive Money) | Rs. 2,000/day |
Bank-Specific Google Pay Transaction Limits
The daily and transaction limits for GPay differ from bank to bank, even though the daily maximum is Rs. 1,00,000. Users must therefore be aware of their bank limits in order to prevent payment rejections and practise sound money management. Here is a list of the limits for all banks in India:
Name of the Bank | UPI Transaction Limit (INR) | UPI Daily Limit (INR) |
Aditya Birla Bank | 1,00,000 | 1,00,000 |
Allahabad Bank | 25,000 | 1,00,000 |
Airtel Payments Bank | 1,00,000 | 1,00,000 |
Andhra Bank | 1,00,000 | 1,00,000 |
Axis Bank | 1,00,000 | 1,00,000 |
Bandhan Bank | 1,00,000 | 1,00,000 |
Bank of Baroda | 25,000 | No Limit |
Bank of India | 10,000 | 1,00,000 |
Bank of Maharashtra | 1,00,000 | 1,00,000 |
Canara Bank | 1,00,000 | 1,00,000 |
City Union Bank | 1,00,000 | 1,00,000 |
Central Bank of India | 1,00,000 | 1,00,000 |
Catholic Syrian Bank | 1,00,000 | 1,00,000 |
Citibank Retail | 1,00,000 | 1,00,000 |
Corporation Bank | 50,000 | 1,00,000 |
City Union Bank | 1,00,000 | 1,00,000 |
Dhanlaxmi Bank | 1,00,000 | 1,00,000 |
DBS Digi Bank | 1,00,000 | 1,00,000 |
DCB BANK | 5,000 | 5,000 |
Dena Bank | 1,00,000 | 1,00,000 |
Equitas Small Finance Bank | 25,000 | 1,00,000 |
ESAF Small Finance Bank | 1,00,000 | 1,00,000 |
Federal Bank | 1,00,000 | 1,00,000 |
FINO Payments Bank | 1,00,000 | 1,00,000 |
HDFC Bank | 1,00,000 | 1,00,000 |
HSBC Bank | 1,00,000 | 1,00,000 |
Indian Bank | 1,00,000 | 1,00,000 |
ICICI Bank | 1,00,000 | 1,00,000 |
IDBI Bank | 1,00,000 | 1,00,000 |
IDFC Bank | 1,00,000 | 1,00,000 |
India Post Payment Bank | 25,000 | 50,000 |
Indian Bank | 1,00,000 | 1,00,000 |
IndusInd Bank | 1,00,000 | 1,00,000 |
Indian Overseas Bank | 50,000 | 1,00,000 |
IndusInd Bank | 1,00,000 | 1,00,000 |
Jammu and Kashmir Bank | 20,000 | 20,000 |
Jana Small Finance Bank | 10,000 | 40,000 |
Jio Payments Bank | 1,00,000 | 1,00,000 |
Karnataka Bank | 1,00,000 | 2,00,000 |
Karur Vysya Bank | 1,00,000 | 1,00,000 |
Kotak Mahendra Bank | 1,00,000 | 1,00,000 |
Oriental Bank of Commerce | 1,00,000 | 1,00,000 |
Paytm Payments Bank | 1,00,000 | 1,00,000 |
Punjab and Sind Bank | 10,000 | 10,000 |
Punjab National Bank | 25,000 | 50,000 |
South Indian Bank | 1,00,000 | 1,00,000 |
State Bank of India | 1,00,000 | 1,00,000 |
Standard Chartered Bank | 1,00,000 | 1,00,000 |
Suryoday Small Finance Bank | 1,00,000 | 1,00,000 |
Syndicate Bank | 1,00,000 | 1,00,000 |
Tamilnad Mercantile Bank | 1,00,000 | 1,00,000 |
The Lakshmi Vilas Bank | 1,00,000 | 1,00,000 |
The Nainital Bank | 20,000 | 40,000 |
The Ratnakar Bank | 25,000 | 25,000 |
UCO Bank | 1,00,000 | 1,00,000 |
Ujjivan Small Finance Bank | 50,000 | 1,00,000 |
Union Bank of India | 1,00,000 | 2,00,000 |
United Bank of India | 25,000 | 60,000 |
Vijaya Bank | 25,000 | 50,000 |
YES Bank | 1,00,000 | 1,00,000 |
GPay Limit on Peer to Merchant (P2M) Transactions
Peer-to-merchant transactions, which enable consumers to send money to companies or merchants every day via Google Pay, are subject to a cap by GPay. These restrictions, which are intended to preserve safety and security, are based on a number of variables, including the daily transaction limit, regional regulations, and the degree of user verification. Let's take a closer look at the GPay cap on peer-to-merchant transactions:
Type of Transaction | Google Pay Limit |
Peer to Peer transactions | Rs. 1 lakh daily |
Merchant payments | Rs. 1 lakh daily |
Payment to Merchant Transactions | |
Credit card payments | Rs. 2 lakhs |
Loan repayments | Rs. 2 lakhs |
Transactions pertaining to capital markets | Rs. 2 lakhs |
Steps to Increase the GPay Transaction Limit
To request an increase in the daily Google Pay transaction limit, customers must get in touch with their banks. Before granting a greater limit, the bank will examine the activity on the customers' accounts. The quick steps to raise the Google Pay transaction limit are as follows:
Step 1: Give the bank all the details and pertinent paperwork they need to confirm your identification.
Step 2: Connect your GPay account to the bank account.
Step 3: Request a higher transfer limit from the bank.
Step 4: Give the bank all the details and pertinent paperwork they need to confirm your identification. A bank employee might come up to you to confirm further information and get your permission to raise the limit.
Examples of Applicability of GPay Limits to Everyday Transactions
Here are some examples to help you better understand how your transactions are affected by the daily Google Pay limit:
Example 1: Maximum Daily Transfer Reached
You use GPay to send Rs. 25,000 four times in a single day. This comes to a total of Rs. 1,00,000, which is the daily maximum limit for GPay transactions. You won't be able to send money again until the 24-hour window has passed.
Example 2: Limit for First-Time Users
After installing Google Pay, you attempt to send Rs. 7,000 to a friend or relative. The transaction fails because each transaction must be at least Rs. 50, while the daily Google Pay limit for new or reinstalled users is limited to Rs. 5,000 for the first 24 hours.
Example 3: Multiple Merchant Transactions
You pay your landlord Rs. 30,000 in rent and Rs. 50,000 for furniture using GPay. Given that it comes to Rs. 80,000, this is under the Rs. 1,000,000 daily GPay cap. As long as the total and count don't exceed GPay's daily cap of 20 transfers, you are still able to complete one more transaction.
Example 4: Using VPA to Request Funds
You ask a friend for Rs. 2,500, but it doesn't work. This occurs as a result of GPay's request feature (which uses UPI VPA) being restricted to Rs. 2,000 per day.
Conclusion
A secure and seamless digital payment experience is based on the ability to comprehend and abide by Google Pay rules. These restrictions are in place to guarantee adherence to rules and preserve the platform's integrity. You may make wise choices while using Google Pay for your financial transactions if you are familiar with the transaction and sending limits. Take the required actions, such as confirming your account, connecting a bank account, asking for a limit increase, and remaining informed of local laws, if you want to raise your limits. Don't forget to contact Google Pay's customer service if you need any additional help. By using this information and being proactive, you may maximise your Google Pay usage while adhering to the guidelines and taking advantage of the ease of online payments.
FAQs
1. What is the Google Pay limit per day?
The daily limit for Google Pay, along with all other UPI apps, is Rs. 1,00,000.
2. Can we send Rs. 2 Lakh through Google Pay?
No, Google Pay cannot be used to send Rs. 2 lakh all at once. This is due to the fact that numerous banks in India have established a transaction limit of Rs. 1 lakh for money transfers. You can, however, spread out your payments over a few days.
3. What is the Google Pay transaction limit per month?
Unlike some other payment apps, Google Pay does not have a monthly transaction cap. Rather, the cap is determined by the daily transaction restrictions, which are Rs. 1 lakh for all UPI apps. This implies that your monthly transactions can add up considerably if you adhere to the daily restrictions.
4. What is the GPay transaction limit for a one-time transfer?
A one-time transfer with GPay can be a maximum of Rs. 1 lakh. As long as there are no further limitations, this implies that you can transfer or receive up to Rs. 1 lakh in a single transaction.
5. How to increase the GPay UPI limit?
The GPay limit can be raised by going to the bank and asking them to do so. The bank then extends the possible transaction limit after further assessing the customers' risk profile.
6. What is the GPay limit for SBI bank?
The daily GPay transaction limit of SBI is Rs. 1,00,000.
7. What is the GPay limit for Axis Bank?
The daily GPay transaction limit of Axis Bank is Rs. 1,00,000.
8. What is the GPay limit for HDFC Bank?
The daily GPay transaction limit of HDFC Bank is Rs. 1,00,000.
9. Why is GPay showing “limit exceeded”?
You have achieved the daily maximum transaction limit established by the National Payments Corporation of India (NPCI) if Google Pay displays "limit exceeded" or "you have reached a payment limit." This means you have sent across more than Rs. 1 lakh in total across all UPI apps, or have made more transactions beyond the daily limit of 20.
10. How to check Google Pay limit?
It is not possible to check your transaction limit directly within the app. Rather, you should call 1-800-419-0157 to speak with GPay customer service. Your transaction restrictions and any other questions you may have concerning your account will be answered by the customer service representatives.
11. Why is My GPay Limit Rs. 5,000?
If you recently updated your UPI PIN, cell number, or phone number, your GPay limit may be Rs. 5,000. This is the most you can send in the first 24 hours following such changes.
12. Does the GPay transaction limit apply to both sending and receiving money?
Yes, the transaction limit is applicable to both. This implies that you are limited to sending or receiving one lakh every day.
13. How can I find out my current GPay transaction limit?
By launching Google Pay and selecting the Settings tab, you can see your current transaction limit. You may view your current daily limit under Transaction Limits.
14. What happens if I reach the GPay transaction limit?
You can only send more money only the next day after exceeding Google Pay transaction limit. By getting in touch with your bank, you can also raise your transaction limit.
