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How to increase PhonePe limit?

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  • 3 min read

Using PhonePe, you can send money, pay bills, recharge your mobile, and shop online. However, like any financial service, PhonePe has specific limits on the transactions users can make. These limits keep users safe from potential fraud and unauthorized activities. However, they might be problematic for those who need to conduct larger transactions for various purposes.

In this article, we have discussed how to increase the PhonePe limit, PhonePe wallet transaction limit and UPI transaction limit.

Also read: PhonePe refer and earn explained


Increase the PhonePe limit

You should know that PhonePe has a UPI transaction limit of Rs. 1 lakh per transaction and a daily limit of 10 to 20 transactions depending on your account. However, your transaction limits can vary based on the bank account linked to your PhonePe app.

To make a UPI transaction on PhonePe, you must link a bank account. Different banks have their own specific limits for transactions. For instance, if you have linked a Bank of Baroda account to your PhonePe app, the maximum transaction limit per transaction is Rs. 25,000, and the daily transaction limit is Rs. 50,000. Similarly, for other banks like HDFC and SBI, the maximum transaction limit per transaction is Rs. 1 lakh.

These limits apply to all customers of the respective banks and cannot be increased under any circumstances.

If you wish to increase your UPI transaction limit, linking multiple bank accounts to your PhonePe app is the only solution. However, please note that the transaction limit will still depend on the individual banks you have linked.

Also read: Account Blocks on PhonePe: Everything you need to know


Phone wallet transaction limits

Below we have discussed the PhonePe wallet transaction per day, per month and financial year.

KYC statusPer transactionPer dayPer monthPer financial year
Full KYCRs. 1,00,000Rs. 1,00,000Rs. 1,00,000Rs. 2,00,000
Min-KYCRs. 10,000Rs. 10,000Rs. 10,000Rs. 1,20,000

UPI transaction limits

Below we have mentioned daily transaction limits by various banks.

BanksDaily transaction limits
Bank of BarodaRs. 25,000
Canara BankRs. 25,000
ICICI BankRs. 1,00,000
SBI BankRs. 1,00,000
HDFC BankRs. 1,00,000 (Rs. 5,000 for new users)
Axis BankRs. 1,00,000

PhonePe has UPI transaction limits that vary depending on the bank account linked to the app. The maximum transaction limit per transaction is generally Rs. 1 lakh. However, individual banks may impose lower transaction limits. Users can link multiple bank accounts to the PhonePe app to increase the overall transaction limit. Users should stay informed about the latest limits and guidelines to ensure smooth and secure transactions.

Also read: Why is my PhonePe money transfer pending?

Akash Singh

Akash Singh

Akash is a law graduate who likes to go for bike rides on the weekends soul-searching for answers to his many existential questions. You can contact him here: singhakash95@pm.me

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