Unified Payments Interface (UPI) is a popular way to make online transactions in India. It’s known for being easy, safe, and quick. To use UPI, all you need to do is register and connect your bank account. Once set up, you can use UPI anywhere to make your payments. However, UPI has its own set of transaction limits.
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HDFC UPI Transaction Limit in 2024
The HDFC UPI transaction limit is up to Rs. 1 lakh per day or 20 transactions for both person-to-person and person-to-merchant transactions within 24 hours. If you’re a new UPI user, you can make transactions of a maximum of Rs. 5,000 for the first 24 hours for Android users and 72 hours for iPhone users after registration.
This limit remains the same across all UPI apps. If you reach your daily transaction limit, you must wait until the next day to make more transactions. You won’t be able to make additional transactions until then.
The table below explains the HDFC UPI transaction limits for personal and business needs:
| UPI Transactions | Maximum Limit |
| P2M (Person to Merchant) or P2P (Person to Person) | Rs. 1 lakh or 20 transactions/ 24 Hours |
| Merchant collect and Capital markets
(Such as Broking, AMC, Mutual Funds, Credit card payments, EMI, Loan repayments, etc.) |
Rs. 2 lakh/transaction |
| Using UPI for IPO Application | Rs. 5 lakh/transaction |
Related Read: UPI Transaction Limit for Tax Payments
HDFC UPI Transaction Limit Per Month
HDFC Bank doesn’t impose a monthly limit on UPI transactions. However, to ensure smooth usage, you should adhere to the daily transaction limit. For the latest updates on these limits, regularly check HDFC Bank’s official website.
How to Increase UPI Limit in HDFC?
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 ₹5 lakh.
Related Read: What is the SBI UPI Transaction Limit Per Day?
HDFC UPI Transaction Charges
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 ₹2,000 made through Prepaid Payment Instruments (PPI).
Frequently Asked Questions (FAQs)
1. What is the default daily UPI limit for HDFC?
The default daily UPI limit for HDFC is ₹1 lakh or 20 transactions per day.
2. What is the maximum amount I can transfer in a single HDFC UPI transaction in 2024?
The maximum amount you can transfer in a single HDFC UPI transaction in 2024 is ₹1 lakh.
3. How to increase the UPI limit from 5000?
You cannot manually increase the initial ₹5,000 limit for new users; it automatically increases after 24 hours for Android users and 72 hours for iPhone users.
4. Can I increase my UPI limit using the HDFC mobile app?
No, you cannot increase your UPI limit using the HDFC mobile app; the limits are fixed.
5. If I need to transfer more than my daily limit, what are my options?
For transfers exceeding the daily limit, consider using NEFT, RTGS, or IMPS for larger amounts.
6. Is there a separate limit on the number of HDFC UPI transactions I can do per day?
Yes, you can perform up to 20 UPI transactions per day with HDFC.
7. What is the GPay per day limit in HDFC?
The daily limit for UPI transactions via GPay with HDFC is ₹1 lakh.
8. What is the limit of PhonePe per day in HDFC?
The daily limit for UPI transactions via PhonePe with HDFC is ₹1 lakh.
