UPI to allow payments up to Rs 10 lakh for insurance, travel, and credit bills from today

Mangalore Today News Network

New Delhi, Sep 15, 2025: The Unified Payments Interface (UPI) is set to take a big leap in digital payments as it will now allow users to make high-value transactions of up to Rs 10 lakh per day for select merchant categories starting September 15.

The National Payments Corporation of India (NPCI) has revised the limits for Person-to-Merchant (P2M) transactions, making it easier for customers to handle large payments in sectors such as insurance, capital markets, credit card bills, loan repayments, and travel bookings. These new limits will apply only to verified merchants.

Meanwhile, the limit for Person-to-Person (P2P) transactions remains unchanged at Rs 1 lakh per day.

Revised UPI limits across sectors

* Insurance and capital markets: Per-transaction limit raised from Rs 2 lakh to Rs 5 lakh, with a daily cap of Rs 10 lakh.

* Government e-Marketplace (GeM): Limit increased from Rs 1 lakh to Rs 5 lakh per transaction.

* Travel sector: Flight, hotel, and package bookings allowed up to Rs 5 lakh per transaction, capped at Rs 10 lakh per day.

* Credit card bills: Limit set at Rs 5 lakh per transaction with a daily ceiling of Rs 6 lakh.

* Loan and EMI collections: Transactions up to Rs 5 lakh permitted, capped at Rs 10 lakh daily.

* Jewellery purchases: Raised from Rs 1 lakh to Rs 2 lakh per transaction, with a Rs 6 lakh daily limit.

* Capital term deposits and banking services: Transactions up to Rs 5 lakh per transaction and per day.

Security protocols in place

To safeguard customers, NPCI has introduced stronger security checks for high-value transactions. These include multi-factor authentication, AI-driven fraud monitoring, and strict merchant verification. Users will not need to update their apps manually, as the new framework will be enabled automatically.

Industry experts said this move would cut down on failed transactions and make UPI more attractive for sectors that depend on large payments. Customers need not rely on net banking for large-value payments. Consumers can now pay for insurance premiums, investments, credit card bills, or expensive packages in one seamless transaction.

Experts say this signals a new phase in UPI’s journey, where the platform can support not just small daily transactions but also large, high-value payments.