News That Matters

Tips to Maximize Your UPI Limit Per Day

Tips to Maximize Your UPI Limit Per Day

Unified Payment Interface, popularly known as UPI, is a revolutionary step towards a cashless economy. Across India, millions of people utilize UPI apps daily to perform seamless and secure money transfers. But like all great tools, UPI comes with its set of limitations, mainly the daily transfer limit. This article provides practical tips on how to maximize your UPI limit per day.

Understanding the UPI Limit:

Before diving into the tips, it’s crucial to understand the limitation constraints. Every bank sets a daily limit on UPI transactions. This limit ranges from Rs. 1 to 2 lakh depending on the bank’s policy. However, some instances require a larger transaction amount, and that’s where understanding how to maximize your UPI limit comes into play.Additionally, for those who might prefer a different approach, AEPS (Aadhaar Enabled Payment System) can be an alternative for making transactions.

Tips to Maximize Your UPI Limit:

  1. Multiple Bank Accounts: This point is the most straightforward but essential. By using multiple bank accounts and linking them to different UPI apps, you can significantly increase your transaction limit.
  2. Multiple UPI Apps: Each UPI app, even if linked to the same bank account, has a separate transaction limit. Therefore, by using multiple UPI apps, you can bypass your bank’s limit without the risk of exceeding the maximum cap.
  3. Time your Transactions: Most banks reset their UPI limit at midnight. So, if you need to make larger transfers, timing them correctly could be beneficial. You can split the transactions between two days, taking advantage of two separate maximum limits.
  4. Use of Credit Card: If you still need a higher limit and have a credit card, link it to a UPI app. Some banks allow large credit card bills to be paid via UPI, thus providing flexibility.
  5. Split your Transactions: If a single transaction exceeds your UPI limit, try splitting it into multiple smaller transactions. This way, you can still perform the transfer while adhering to the UPI limit.

Bajaj Pay UPI – A Pioneering UPI Platform:

Bajaj Pay UPI is a leading player in the digital payments landscape. Designed to cater to its users’ diverse needs, Bajaj Pay UPI provides a seamless and secure transaction experience.

When it comes to maximizing your UPI limit per day, Bajaj Pay UPI delivers a solid approach. With a high daily transaction limit, intuitive user interface, and cutting-edge security features, it simplifies digital transactions while enabling users to enjoy maximum benefits.

One outstanding feature of Bajaj Pay UPI is enabling users to spread their transactions across different UPI apps. This feature helps its users elongate their UPI limit by using several apps rather than restricting them to a single platform. Moreover, the dynamic customer support helps users with inquiries about managing their UPI limits effectively.


Leveraging your UPI limit involves a strategic use of multiple bank accounts, UPI apps, and understanding the reset timings of your bank’s UPI limit. Engage these tips to gain more out of your UPI usage and experience true financial flexibility.

The dynamic nature of UPI’s policy can bring changes in the transaction limits. So, it is always advised to keep checking the UPI policy of your bank or UPI app for any updates. UPI has revolutionized the way we engage with digital transactions. By understanding how to maximize the UPI limit per day, you empower yourself to make the most out of this remarkable technology.