Digital payments have revolutionized the way we handle money in India. UPI (Unified Payments Interface) has become the backbone of digital transactions, with PhonePe and Paytm being two of the most popular platforms. However, many users face limitations when trying to make larger transactions. This comprehensive guide will help you understand and increase your UPI transaction limits on both platforms.
Understanding UPI Transaction Limits 🏮
Before diving into the process, it's important to understand that UPI limits are set by both the National Payments Corporation of India (NPCI) and individual banks. The standard UPI transaction limit is ₹1 lakh per transaction, with some banks offering higher limits for specific categories.
Default UPI Limits
🔴 Per Transaction Limit : ₹1,00,000
🔴 Daily Transaction Limit : Varies by bank (typically ₹1,00,000 to ₹2,00,000)
🔴 Monthly Limit : Set by individual banks
How to Increase UPI Limit in PhonePe 👛
PhonePe is one of India's leading digital payment platforms. Here's how you can increase your UPI transaction limits:
Step 1: Complete KYC Verification
The first and most crucial step is completing your Know Your Customer (KYC) verification. Without proper KYC, your account will have restricted limits.
Process:
1. Open the PhonePe app on your smartphone
2. Tap on your profile icon in the top-left corner
3. Navigate to Settings or My Profile
4. Look for KYC Verification or Complete KYC
5. Choose between Video KYC or offline KYC
6. Submit required documents (Aadhaar, PAN card)
7. Complete the verification process
Step 2: Link Multiple Bank Accounts
PhonePe allows you to link multiple bank accounts. By linking different accounts, you can effectively increase your overall transaction capacity.
How to Link:
1. Go to My Bank Accounts in your PhonePe profile
2. Tap on Add Bank Account
3. Select your bank from the list
4. Verify your mobile number linked with the bank
5. Set a UPI PIN for the new account
Step 3: Upgrade to PhonePe Business Account
If you're a merchant or business owner, upgrading to a PhonePe Business account can provide higher limits and additional features.
Benefits:
⚫ Higher transaction limits
⚫ Merchant-specific features
⚫ Better analytics and reporting
⚫ Zero merchant discount rate on UPI
Step 4: Contact Your Bank
Since UPI limits are also controlled by your bank, you may need to request a limit increase directly from them.
Methods:
⚫ Call your bank's customer service
⚫ Visit your nearest bank branch
⚫ Use your bank's mobile app or internet banking
⚫ Submit a formal request for limit enhancement
Step 5: Use PhonePe Wallet
For transactions exceeding UPI limits, you can use the PhonePe wallet feature, which has separate limits.
How to Increase UPI Limit in Paytm 📈
Paytm, another major player in the digital payments space, offers similar options for increasing UPI limits.
Step 1: Complete Full KYC
Like PhonePe, Paytm requires complete KYC for higher limits.
Paytm KYC Process:
1. Open Paytm app and tap on your profile picture
2. Select "KYC" or "Complete Your KYC"
3. Choose your preferred KYC method (Video KYC recommended)
4. Keep your Aadhaar and PAN card ready
5. Follow the on-screen instructions
6. Complete biometric verification if required
KYC Benefits:
⚫ Increased wallet limits
⚫ Higher UPI transaction limits
⚫ Access to additional features
⚫ Better security
Step 2: Upgrade Your Paytm Wallet
Paytm offers different wallet categories with varying limits:
Minimum KYC Wallet:
⚫ Monthly limit: ₹10,000
⚫ Annual limit: ₹1,00,000
Full KYC Wallet:
⚫ Monthly limit: ₹1,00,000
⚫ Annual limit: ₹2,00,000
⚫ No per-transaction limit within monthly cap
Step 3: Link Paytm UPI with Multiple Banks
Just like PhonePe, you can link multiple bank accounts to Paytm.
Steps:
1. Go to Paytm UPI section
2. Tap on Add New Bank Account
3. Select your bank
4. Verify with OTP
5. Create or enter UPI PIN
Step 4: Apply for Paytm Payments Bank Account
Opening a Paytm Payments Bank account can provide additional transaction flexibility.
Advantages:
⚫ Separate transaction limits
⚫ Higher deposit limits
⚫ Easy integration with Paytm app
- Interest on deposits
Step 5: Request Bank Limit Enhancement
Contact your bank to request higher UPI limits:
Documentation Needed:
⚫ Account statements
⚫ Income proof (if required)
⚫ Valid reason for limit increase
⚫ KYC documents
Tips to Maximize Your UPI Limits ✅
1. Maintain Good Transaction History
Regular, legitimate transactions help build trust with both the platform and your bank.
2. Keep Multiple Payment Methods Active
Don't rely solely on UPI. Have credit cards, debit cards, and wallet options available.
3. Use Different Bank Accounts Strategically
Distribute large transactions across multiple bank accounts linked to your payment app.
4. Opt for Special Transaction Categories
Some categories like tax payments, mutual funds, and insurance have higher limits (up to ₹2 lakhs per transaction).
5. Upgrade to Premium Banking
Many banks offer higher UPI limits to premium or salary account holders.
Common Issues and Solutions 📩
Transaction Declined Due to Limit
Solution: Check your daily and monthly limits, wait for the next cycle, or use an alternate bank account.
KYC Verification Failed
Solution: Ensure document clarity, verify details match across documents, try video KYC if offline fails.
Bank Not Increasing Limit
Solution: Provide proper documentation, maintain good account history, consider switching to a bank with higher default limits.
App-Specific Restrictions
Solution: Update your app to the latest version, clear cache, or reinstall if necessary.
Security Tips While Using Higher Limits 🔐
1. Enable Two-Factor Authentication: Always keep this activated
2. Use Strong UPI PINs: Avoid common combinations
3. Monitor Transactions Regularly: Check your transaction history daily
4. Update Apps Regularly: Keep your payment apps updated
5. Be Cautious of Phishing: Never share OTPs or PINs with anyone
6. Use Secure Networks: Avoid public WiFi for transactions
7. Set Transaction Alerts: Enable SMS and email notifications
Conclusion 🉐
Increasing your UPI limits on PhonePe and Paytm is a straightforward process that primarily involves completing KYC verification and coordinating with your bank. By following the steps outlined in this guide, you can enhance your transaction capabilities and enjoy more flexibility in your digital payments.
Remember that while higher limits provide convenience, they also come with greater responsibility. Always practice safe digital payment habits and keep your account information secure. Whether you're a regular user or a business owner, understanding and optimizing your UPI limits can significantly improve your digital payment experience.
The key to success lies in maintaining proper documentation, completing all verification requirements, and building a trustworthy transaction history. With these elements in place, you'll be able to make the most of India's digital payment infrastructure.
₹25,000 में Flagship Killer? iQOO Neo 10 Review 2025 📲
https://www.jugaadubook.in/2025/10/25000-flagship-killer-iqoo-neo-10.html?m=1
