{"id":11904,"date":"2024-10-28T10:30:44","date_gmt":"2024-10-28T05:00:44","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=11904"},"modified":"2026-02-09T17:37:12","modified_gmt":"2026-02-09T12:07:12","slug":"hdfc-upi-limit","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/hdfc-upi-limit\/","title":{"rendered":"HDFC UPI Limit in 2026 &#8211; How to Increase UPI Limit in HDFC?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">This article explores the HDFC UPI limits for 2026 and provides insights on how to increase your HDFC Bank UPI transaction limits. Understanding these HDFC bank UPI limits is crucial for seamless online transactions, allowing you to make payments efficiently without interruptions.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e7a61d65c87\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e7a61d65c87\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/hdfc-upi-limit\/#HDFC-UPI-Transaction-Limit-Per-Day-2026\" >HDFC UPI Transaction Limit Per Day 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/hdfc-upi-limit\/#HDFC-UPI-Transaction-Limits-for-Personal-and-Business-Needs\" >HDFC UPI Transaction Limits for Personal and Business Needs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/hdfc-upi-limit\/#How-to-Increase-UPI-Limit-in-HDFC\" >How to Increase UPI Limit in HDFC?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/hdfc-upi-limit\/#HDFC-UPI-Transaction-Charges\" >HDFC UPI Transaction Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/hdfc-upi-limit\/#Frequently-Asked-Questions-FAQs\" >Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"HDFC-UPI-Transaction-Limit-Per-Day-2026\"><\/span><b>HDFC UPI Transaction Limit Per Day 2026 <\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The HDFC <a href=\"https:\/\/razorpay.com\/learn\/upi-transaction-charges\/\">UPI limit per day<\/a> is <strong>\u20b9100,000<\/strong> for general transfers and extends to <strong>\u20b9500,000<\/strong> for specific transactions, including tax payments, payments to educational institutions and hospitals, IPO applications, and payments to RBI\u2019s Retail Direct Schemes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This limit encompasses all <a href=\"https:\/\/razorpay.com\/blog\/what-is-upi-and-how-it-works\/\">UPI<\/a> transactions within a single day, whether made through the HDFC Bank app, Google Pay, PhonePe, or any other UPI-enabled app.<\/span><\/p>\n<h3><b>Per-Transaction HDFC UPI Limit<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">For each transaction, the HDFC UPI limit is also <strong>\u20b91 lakh<\/strong>. This means that individual payments above \u20b91 lakh will not be processed through HDFC bank UPI and will require alternative banking options like <a href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/\">NEFT or RTGS<\/a>.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Example Scenario<\/strong>: Imagine you want to pay \u20b91.5 lakh for a large purchase through HDFC UPI. Since the per-transaction limit is capped at \u20b91 lakh, the UPI transaction would not go through. In this case, you would need to use an alternative payment method like NEFT or RTGS to complete the \u20b91.5 lakh transfer.<\/span><\/li>\n<\/ul>\n<h3><b>Number of UPI Transactions Limit in HDFC Bank<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The total number of HDFC UPI transactions per day is capped at <strong>20 transactions<\/strong>. Exceeding this count will require a 24-hour wait before making further UPI payments.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Example Scenario<\/strong>: Suppose you\u2019ve made 20 UPI payments throughout the day, including small transactions like grocery bills and utility payments. Once you reach the 20-transaction limit, you\u2019ll be unable to make any further UPI transactions until the 24-hour period resets.<\/span><\/li>\n<\/ul>\n<h3><b>Special HDFC UPI Limit for New Users and Recent Changes<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re a new user, or if you\u2019ve recently changed your phone, mobile number, or reset your <a href=\"https:\/\/razorpay.com\/learn\/what-is-a-upi-pin\/\">UPI PIN<\/a>, your HDFC UPI transfer limit will be <strong>capped at \u20b95,000<\/strong> for the first 24 hours. This temporary limit is designed to enhance security and prevent fraud during initial setup or account modifications.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Example Scenario:<\/strong> If you just signed up for HDFC UPI and try to transfer \u20b910,000 to a friend, the payment may be restricted to \u20b95,000 because of the new user limit. This cap applies for the first 24 hours, after which your regular daily and per-transaction limits will be available.<\/span><\/li>\n<\/ul>\n<h3><b>HDFC Bank UPI Transaction Limit Per Month<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">HDFC Bank does not set a specific monthly UPI transaction limit; however, the daily transaction limits apply cumulatively over the month. This means that users can conduct daily HDFC UPI transactions up to the per-day cap of \u20b91 lakh for general transfers or \u20b95 lakh for specified payments, such as tax payments, educational fees, etc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For high-volume HDFC UPI transactions, users should ensure each day\u2019s transfers stay within these daily HDFC bank UPI limits. Exceeding these daily caps will require waiting until the next day for further transactions, regardless of the monthly accumulation.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"HDFC-UPI-Transaction-Limits-for-Personal-and-Business-Needs\"><\/span><strong>HDFC UPI Transaction Limits for Personal and Business Needs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table dir=\"ltr\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\" data-sheets-root=\"1\" data-sheets-baot=\"1\">\n<colgroup>\n<col width=\"230\" \/>\n<col width=\"100\" \/><\/colgroup>\n<tbody>\n<tr>\n<td>\n<h3><strong>HDFC UPI Transactions<\/strong><\/h3>\n<\/td>\n<td>\n<h3>Maximum Limit<\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td>P2M (Person to Merchant) or P2P (Person to Person)<\/td>\n<td>\n<div>\n<div>Rs. 1 lakh or 20 transactions\/ 24 Hours<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>Merchant collect\u200b\u200b\u200b\u200b\u200b\u200b\u200b and Capital markets<br \/>\n(Such as Broking, AMC, Mutual Funds, Credit card payments, EMI, Loan repayments, etc.)\u200b\u200b\u200b\u200b\u200b<\/td>\n<td>\n<div>\n<div>Rs. 2 lakh\/transaction<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>Using UPI for IPO Application<\/td>\n<td>\n<div>\n<div>Rs. 5 lakh\/transaction<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>Income tax Payment<\/td>\n<td>\n<div>\n<div>Rs. 5 lakh\/transaction<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>Educational Institutions and Hospitals<\/td>\n<td>\n<div>\n<div>Rs. 5 lakh\/transaction<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<tr>\n<td>Payments to RBI\u2019s Retail Direct Schemes<\/td>\n<td>\n<div>\n<div>Rs. 5 lakh\/transaction<\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><em><strong>Related Read: <a href=\"https:\/\/razorpay.com\/learn\/upi-transaction-limit-for-tax-payments\/\">UPI Transaction Limit for Tax Payments<\/a><\/strong><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-to-Increase-UPI-Limit-in-HDFC\"><\/span><strong>How to Increase UPI Limit in HDFC?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The daily UPI transaction limit cannot be manually increased; it is fixed. However, for specific purposes like educational fees or medical bills, the limit is higher, set at \u20b95 lakh.<\/span><\/p>\n<p><em><strong>Related Read: <\/strong><\/em><a href=\"https:\/\/razorpay.com\/learn\/sbi-upi-transaction-limit\/\"><em><strong>What is the SBI UPI Transaction Limit Per Day?<\/strong><\/em><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"HDFC-UPI-Transaction-Charges\"><\/span><strong>HDFC UPI Transaction Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">HDFC customers enjoy no charges for UPI transactions. However, for businesses with an HDFC account, new UPI guidelines impose a 1.1% interchange fee on merchant transactions over \u20b92,000 made through Prepaid Payment Instruments (PPI).<\/span><\/p>\n<p><em><b>Related Read: <\/b><a href=\"https:\/\/razorpay.com\/learn\/gpay-transaction-limit\/\"><b>GPay Transaction Limit Per Day in India 2026 <\/b><\/a><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-FAQs\"><\/span><strong>Frequently Asked Questions (FAQs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>1. What is the default daily UPI limit for HDFC?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The default daily UPI limit for HDFC is \u20b91 lakh or 20 transactions per day and \u20b95,000 for newly registered users for the first 24 hours.<\/span><\/p>\n<h3><b>2. What is the maximum amount I can transfer in a single HDFC UPI transaction in 2026 ?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The maximum amount you can transfer in a single HDFC UPI transaction in 2026 is \u20b91 lakh.<\/span><\/p>\n<h3><b>3. How to increase the UPI limit from 5000?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You cannot manually increase the initial \u20b95,000 limit for new users; it automatically increases after 24 hours for Android users and 72 hours for iPhone users.<\/span><\/p>\n<h3><b>4. Can I increase my UPI limit using the HDFC mobile app?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">No, you cannot increase your UPI limit using the HDFC mobile app; the limits are fixed.<\/span><\/p>\n<h3><b>5. If I need to transfer more than my daily limit, what are my options?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">For transfers exceeding the daily limit, consider using <a href=\"https:\/\/razorpay.com\/learn\/neft\/\">NEFT<\/a>, <a href=\"https:\/\/razorpay.com\/learn\/rtgs\/\">RTGS<\/a>, or <a href=\"https:\/\/razorpay.com\/learn\/what-is-imps\/\">IMPS<\/a> for larger amounts.<\/span><\/p>\n<h3><b>6. Is there a separate limit on the number of HDFC UPI transactions I can do per day?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can perform up to 20 UPI transactions per day with HDFC.<\/span><\/p>\n<h3><b>7. What is the GPay per day limit in HDFC?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The daily limit for UPI transactions via GPay with HDFC is \u20b91 lakh.<\/span><\/p>\n<h3><b>8. What is the limit of PhonePe per day in HDFC?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The daily limit for UPI transactions via PhonePe with HDFC is \u20b91 lakh.<\/span><\/p>\n<h3><strong>9. How to Check HDFC UPI Limit?<\/strong><\/h3>\n<p>To check your HDFC UPI limit, contact the HDFC Bank helpline at <strong>1800 102 9426<\/strong>. Customer support can provide details on your current UPI limits, including daily, monthly, and per-transaction caps based on your account type and any recent updates.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This article explores the HDFC UPI limits for 2026 and provides insights on how to increase your HDFC Bank UPI transaction limits. Understanding these HDFC bank UPI limits is crucial for seamless online transactions, allowing you to make payments efficiently without interruptions. HDFC UPI Transaction Limit Per Day 2026 The HDFC UPI limit per day<\/p>\n","protected":false},"author":151156506,"featured_media":13673,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[1874,1516,3897],"class_list":{"0":"post-11904","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-online-payments","9":"tag-upi","10":"tag-upi-limit"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/11904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156506"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=11904"}],"version-history":[{"count":16,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/11904\/revisions"}],"predecessor-version":[{"id":18832,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/11904\/revisions\/18832"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/13673"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=11904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=11904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=11904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}