PhonePe Transaction Limit Per Day in Indian Banks, 2025: How Much Money Can You Transfer?

PhonePe is a popular digital payment app in India. It allows sending and receiving money via UPI. Each local bank sets its own daily limits for transactions that you should be aware of. In this article, you will discover recent limits for major Indian banks and learn how to increase the PhonePe transaction limit easily.

What Is the PhonePe Limit and How to Increase It?

When using PhonePe payment gateway, the limit of ₹1 lakh applies according to the general UPI guidelines set by NPCI. PhonePe follows these NPCI rules for most users. In total, up to 20 UPI transactions are allowed per day. These limits are typical for Indian banks, though actual caps can vary depending on your bank’s internal policy or type of PhonePe account.

If you want to increase the transaction limit, you can upgrade your KYC level or switch to a business account. This helps you handle a single transaction of higher value or send a maximum amount through your wallet.

PhonePe Transaction Limits per Day for Different Banks

Most Indian banks set a transaction limit of INR 1 lakh a day, following NPCI recommendations. However, some banks may enforce slightly different limits. Below, you can check how limits may vary depending on the bank and your verification level.

SBI, HDFC, ICICI, Axis & More

Here are the maximum amounts in the most popular Indian banks for a single transaction and daily use:

• SBI and HDFC - INR 1 lakh daily;
• Axis Bank - INR 1 lakh daily;
• ICICI Bank - INR 1 lakh per day.

These figures follow NPCI standards. However, some smaller or regional banks may apply lower caps. Always verify the actual limits in your bank’s UPI policy to know the PhonePe transfer limit for your account.

UPI Daily Limits by Bank

PhonePe UPI limits usually follow the NPCI standard – up to INR 1 lakh for each user. Some banks may lower these limits for new users, unverified accounts, or based on transaction history. It is recommended to check your exact UPI limits via your bank’s app or PhonePe’s help center.

Now you know the limits and can plan your transfers according to your bank’s policy and your PhonePe account type.

Wallet vs Bank Transfer Limits in PhonePe

PhonePe limits per transaction differ between e-wallet operations and direct UPI transfers. PhonePe daily limit in SBI also depends on the level of KYC verification.

For wallet users, transaction limits depend on whether basic or full KYC has been completed. For UPI transfers, the standard NPCI cap of INR 1 lakh applies, regardless of the wallet’s KYC level.

Daily Transfer Limit for PhonePe Wallet

Restrictions for using PhonePe wallet depend on your KYC verification level. Minimum KYC has lower caps. However, completing the full KYC procedure allows users to increase the PhonePe transfer limit for wallet and send higher-value payments in a single transaction.

Money Transfer Limit via Wallet - How Much Can You Increase PhonePe Limit?

Passing the basic KYC procedure allows you to transfer up to INR 10,000 per month using your PhonePe wallet. Completing full KYC typically increases the monthly limit up to INR 100,000 for wallet-based payments. These limitations are active for person-to-person transactions via electronic wallets or linked bank accounts.

Transfer Limit for Wallet to Bank

With a minimum KYC wallet, you can transfer up to INR 10,000 per month from your wallet to your bank account. After full KYC verification, the wallet transfer limit increases up to INR 100,000 monthly, depending on NPCI and RBI guidelines. In some cases, there’s no limit on the number of smaller transfers, but each single transaction must stay within the set rupee threshold.

PhonePe Transaction Limit for Businesses - Increase PhonePe Usage

PhonePe has special accounts for merchants that support higher transaction thresholds. These accounts may have increased caps depending on the agreement with PhonePe and the acquiring bank. However, public sources do not confirm a complete absence of limits.

Business Account vs Personal Account

PhonePe limits per day for business and personal accounts differ significantly. Business accounts may enjoy customized limits for UPI transfers based on their transaction volumes and verification status. Businesses across India often use PhonePe to send a lot of money or receive large settlements without interruption.

Daily and Monthly Caps - How Much Can Businesses Send?

Personal accounts allow INR 1 lakh per day and up to 20 transactions. Business accounts, depending on their verification level and bank, may process much higher volumes daily or monthly.

Merchant accounts have higher limits compared to personal ones, but exact restrictions depend on business verification and partner bank policies. For verified merchants, there’s no limit on the number of daily UPI operations, though the maximum amount per single UPI transfer may still apply.

Limit for High-Volume Transfers via PhonePe

PhonePe enables businesses to process large transfers and receive numerous online transactions via UPI. While no fixed upper cap is publicly disclosed for merchant accounts, specific thresholds are defined contractually by the partner bank and the merchant’s transaction category. Large transfers are usually measured in rupees and paise, ensuring smooth bulk settlements for verified partners.

How to Increase Your PhonePe Transaction Limit

PhonePe allows several ways to expand your payment capacity, depending on the type of transaction and your account status. For example, completing full KYC or upgrading to a verified business profile may unlock higher transaction ceilings.

Complete Full KYC to Increase PhonePe Limit

If you complete the full KYC procedure, you can raise your wallet transaction limit from INR 10,000 per month to around INR 100,000 per month. For UPI transfers, you remain subject to the standard NPCI cap of INR 1 lakh per day. Completing KYC also enables smoother wallet-to-bank transfers and enhances account security. This is the main method to increase the PhonePe transaction limit.

Contact Your Bank or Support to Increase the Limit

If you face restrictions, they may be imposed by your specific bank. In that case, contact your bank’s customer service or PhonePe support to confirm your UPI or wallet limit and explore available upgrades. Some banks may allow you to increase the transaction cap manually for verified customers.

Upgrade to a Business Profile (If Eligible)

Merchants can apply for a PhonePe merchant account to increase the transaction limit and handle a higher maximum transaction volume per day. After approval, business users may access higher UPI limits, improved wallet features, and advanced reporting tools. Access to settlement dashboards and automatic operations with real-time transaction tracking further enhances flexibility.

How to Transfer Money Using PhonePe

PhonePe allows you to quickly and smoothly send and receive money via UPI. Among the available transaction options are UPI ID, bank account details, or mobile number.

Using UPI ID

If you know what is UPI ID and use it, you have to:

1. Access the program. Open the PhonePe app.
2. Open the payment section. Go to the “UPI ID” tab.
3. Insert the amount. Enter the transaction amount.
4. Confirm the action. Click “Send”.

These bank operations are processed instantly. You can even use self-transfer options to move cash between your own accounts safely.

To Bank Account

This transactional way involves several steps:

1. Open the wallet. In your profile, choose “To account”.
2. Add the required details. Insert your account number, IFSC code, and the recipient’s name.
3. Confirm your transaction. Verify the details and confirm the action with your UPI PIN.

This process takes up to 5 minutes.

Via Mobile Number

And the last option of sending money is using the mobile number linked to the UPI account:

1. Pick the option. Choose “To mobile number” in the wallet.
2. Insert the payment data. Enter the phone number and the amount.
3. Finish the process. Use your UPI PIN to confirm the action.

This simple procedure allows bank operations without using account details.

Security and Control Features in PhonePe

PhonePe has a strong security system with advanced features and in-app controls that help users. The system provides real-time alerts and strong SSL encryption that boost the overall safety of PhonePe users. There are also fraud monitoring systems that prevent illegal access and suspicious activity.

Everyday Cap Alerts

You can get a notification from PhonePe that warns about exceeding transactional restrictions. These alerts appear right in the app or via push notifications. This information helps you stay informed and prevent failed transactions. This way, regular UPI users can enjoy more convenient financial planning.

Risk Assessment & Payment Privacy

AI-based risk assessment tools are also available at PhonePe. They detect unusual activity and block suspicious transactions automatically. PhonePe doesn’t share full bank details during transactions to increase the privacy of your transfers. The system also encrypts all financial data to prevent hacking and data breaches.

PhonePe’s Security Architecture

Among the main security tools are multi-layer encryption, device binding, and UPI PIN authentication. PhonePe verifies every payment by confirming it with the PIN code. Login attempts are also strictly monitored. The app complies with RBI regulations and uses real-time fraud detection. These measures ensure smooth and secure bank operations for all users.

Common Issues with Transaction Limitations in PhonePe

With PhonePe, users may face several issues due to hitting transaction restrictions. Such problems may cause delays for urgent payments, especially during business hours or bill deadlines. Reaching the cap, you can face blocked transactions, failed bank operations, or app errors. Understanding these potential issues helps avoid delays and ensures smoother payment processing for personal and business users.

Reaching PhonePe Limit per Day

Users with a PhonePe account may inadvertently hit their everyday UPI limits of INR 100,000 or the allowed number of 20 payments in one day. In this case, PhonePe will block other payments for the day, even for small amounts. This problem cannot be resolved instantly; you must wait until the next calendar day, which will reset your transaction count and amount.

Failed Transfers Due to Limits

If your payment exceeds the bank or wallet boundaries, you will not be able to complete it. In this case, you will see a notification like “Limit exceeded” or “Transaction failed”. Such failures are especially frustrating when making time-sensitive transactions.

To avoid such problems, complete full verification and avoid high-frequency usage patterns that may trigger security rules.

How to Resolve Them

Here are several tips that can help you prevent potential problems:

• Regularly check your daily limit in the app;
• Wait until the next calendar date if the cap has already been reached;
• Reduce the transaction size if possible;
• Complete full KYC procedure;
• Switch to a business profile if you have appropriate documentation.

Besides, you can contact the PhonePe support team to review your account and adjust limitations.

Key Benefits of PhonePe’s Payment System

PhonePe is a top choice for seamless, secure, and user-friendly personal and business payments. You can enjoy instant bank operations, bill payments, and direct recharges through the bank account. UPI integration also boosts convenience, provides real-time confirmations, and offers 24/7 availability. These features make PhonePe a reliable tool for transactions across India.

UPI-Based Convenience

PhonePe is directly integrated with UPI. You can use PhonePe to receive and send money using your mobile number or UPI ID. This way, transactions become easier since you do not have to remember IFSC codes or long payment numbers.

PhonePe offers direct bank-to-bank transactions. They are secure and are accessible 24/7 without any complicated steps. You can transfer even a small amount in paise or a large one in rupees with the same speed.

Fast Transfers & Recharges

PhonePe makes everyday payments simple and efficient. It suits personal needs with loyal limits. It also ensures fast and reliable business transactions. Here are the main functions available:

• Sending funds;
• Paying bills;
• Recharging mobile numbers.

Transactions are typically instant and do not have long waiting times, even during weekends. Speed and reliability boost efficiency, especially for urgent business or personal tasks like paying utility bills.

No Top-Up Required

Unlike other mobile wallets, PhonePe doesn’t require users to make deposits before sending payments. You can just send money directly via bank accounts linked to UPI. It greatly automates processes, shortens waiting times, and allows for managing money faster and more efficiently.

Overall, UPI payments via PhonePe are fast and convenient. PhonePe minimizes transaction failures and provides smooth, high-value operations without additional verification or delays. Knowing the PhonePe system well helps you maximize every rupee and manage your financial transactions safely.