UPI Daily Transaction Limits, Bank Cool-Off & ₹5L Hospital Rules

Check bank-specific daily UPI transfer limits (SBI, HDFC, ICICI, Axis), ₹5 Lakh higher limits for hospitals/colleges, and 24-hour SIM swap safety limits.

Interactive UPI Daily Transaction Limits, Bank Cool-Off & ₹5L Hospital Rules
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Formula & Calculation Methodology

NPCI Standard: ₹1 Lakh/day (P2P) | ₹5 Lakhs/day (Hospitals/Institutes) | ₹5,000 for 24h SIM reset.

Step-by-Step Worked Example

SBI Bank Account, Recent SIM card upgrade, Hospital payment

  1. Recent SIM reset triggers 24-hr safety cool-off: Max ₹5,000
  2. Post 24 hours: Regular ₹1 Lakh (P2P) and ₹5 Lakhs (Verified Hospital)
Result: Immediate Cap: ₹5,000 (Safety Cool-Off) | Next Day: ₹5,00,000

Frequently Asked Questions

Why is my UPI transaction failing with "limit exceeded"?

You may have crossed your bank daily limit (₹1L or 10-20 transactions) or recently reset your SIM card.

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