Table of Contents
Looking for the GPay per day limit in India? Want to know the maximum transaction limit of Google Pay?
So, here is the blog to answer all your questions. Know about the GPay per day transfer limit and also the maximum transaction limit in Google Pay which differs according to banks.
Without further ado, let’s jump right in.
GPay/Google Pay Transaction Limit Per Day
Users reach a daily limit on Google Pay if:
- They try to send more than ₹1,00,000 in one day across all UPI apps.
- They try to send money more than 20 times in one day across all UPI apps.
- They request more than ₹2,000 from someone.
Bank level limits: Official Bank numbers as per Google Pay
This list is alphabetical. So, you might have to rearrange and sort it popularity-wise.
It is important to note that ₹1 Lakh is the total amount you can send across all UPI apps. So, your transaction limit of Google Pay will depend on the other UPI transactions you have done in a day.
Also, please note that the GPay transaction limit for Initial Public Offering (IPO) and Retail Direct Scheme (RDS) is ₹5 lakhs, according to NPCI1.
The NPCI proposed to put a 30% volume cap on all UPI apps. This is to ensure that UPI apps like PhonePe and GPay don’t have a monopoly on the UPI market. However, the deadline for limiting the volume cap for TPAPs (Third Party App Providers) has been extended by 2 years up to December 31, 2024.
Google Pay Transaction Limit for Different Banks
So, below is the table that gives detailed information about the GPay limits per day as well as per transaction. It also displays the weekly and monthly Google Pay transaction limits of several banks:
UPI Issuing bank wise limits
When you send money to someone
| Bank name | Bank type | Sponsor bank | UPI transaction limit | UPI daily limit |
| Abhyudaya Co-Operative Bank | Cooperative | NA | ₹25,000 INR | ₹25,000 INR |
| Adarsh Co-Op Bank Ltd | Cooperative | HDFC Bank | ₹50,000 INR | ₹50,000 INR |
| Aditya Birla Idea Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Airtel Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Allahabad Bank | Public Sector Bank | NA | ₹25,000 INR | ₹100,000 INR |
| Allahabad UP Gramin Bank | RRB | Allahabad | ₹20,000 INR | ₹40,000 INR |
| Andhra Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Andhra Pradesh Grameena Vikas Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Andhra Pragathi Grameena Bank | RRB | NA | ₹10,000 INR | ₹20,000 INR |
| Apna Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Assam Gramin VIkash Bank | RRB | United Bank of India | ₹5,000 INR | ₹25,000 INR |
| Axis Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Bandhan Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Bank Of Baroda | Public Sector Bank | NA | ₹25,000 INR | Not set |
| Bank of India | Public Sector Bank | NA | ₹10,000 INR | ₹100,000 INR |
| Bank of Maharashtra | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Baroda Gujarat Gramin Bank | RRB | Bank of Baroda | ₹25,000 INR | Not set |
| Baroda Rajasthan Kshetriya Gramin Bank | RRB | Bank of Baroda | ₹25,000 INR | ₹25,000 INR |
| Baroda Uttar Pradesh Gramin Bank | RRB | Bank of Baroda | ₹25,000 INR | ₹25,000 INR |
| Bassein Catholic Co-Op Bank | Cooperative | NA | ₹20,000 INR | ₹40,000 INR |
| Bhilwara Urban Co-Operative Bank Ltd | Cooperative | HDFC | ₹25,000 INR | ₹25,000 INR |
| Bihar Gramin Bank | RRB | UCO | Merged with DBGB | |
| Canara Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Catholic Syrian Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Central Bank of India | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Chaitanya Godavari Grameena Bank | RRB | Andhra Bank | ₹25,000 INR | ₹100,000 INR |
| Chhattisgarh Rajya Gramin Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Citibank Retail | Foreign Bank | NA | ₹100,000 INR | ₹100,000 INR |
| City Union Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Coastal Local Area Bank Ltd | Cooperative | BOM | ₹50,000 INR | ₹100,000 INR |
| Corporation Bank | Public Sector Bank | NA | ₹50,000 INR | ₹100,000 INR |
| DBS Digi Bank | Foreign Bank | NA | ₹100,000 INR | ₹100,000 INR |
| DCB Bank | Private | NA | ₹5,000 INR | ₹5,000 INR |
| Dena Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Dena Gujarat Gramin Bank | RRB | Dena | NA (Merged) | |
| Deutsche Bank AG (Web Collect) | Foreign Bank | NA | NA | |
| Dhanlaxmi Bank Ltd | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Dombivli Nagari Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Equitas Small Finance Bank | Small Finance Bank | NA | ₹25,000 INR | ₹100,000 INR |
| ESAF Small Finance Bank | Small Finance Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Federal Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| FINO Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| GP Parsik Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| HDFC | Private | NA | ₹100,000 INR(₹5,000 INR for new customers) | ₹100,000 INR |
| Himachal Pradesh Gramin Bank | RRB | PNB | ₹50,000 INR | ₹50,000 INR |
| HSBC | Foreign Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Hutatma Sahakari Bank Ltd | Cooperative | ICICI Bank | ₹100,000 INR | No limit |
| ICICI Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| IDBI Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| IDFC | Private | NA | ₹100,000 INR | ₹100,000 INR |
| India Post Payment Bank | Payments Bank | NA | ₹25,000 INR | ₹50,000 INR |
| Indian Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Indian Overseas Bank | Public Sector Bank | NA | ₹50,000 INR | ₹100,000 INR |
| IndusInd Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| J&K Grameen Bank | RRB | J&K | ₹20,000 INR | ₹20,000 INR |
| Jalgaon Janata Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Jammu & Kashmir Bank | Private | NA | ₹20,000 INR | ₹20,000 INR |
| Jana Small Finance Bank | Small Finance Bank | NA | ₹10,000 INR | ₹40,000 INR |
| Janata Sahakari Bank Pune | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Jio Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd | Cooperative | NA | ₹25,000 INR | ₹200,000 INR |
| Karnataka Bank | Private | NA | ₹100,000 INR | ₹200,000 INR |
| Karnataka Vikas Grameena Bank | RRB | NA | ₹25,000 INR | ₹25,000 INR |
| Karur Vysya Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Kashi Gomti Samyut Gramin Bank | RRB | NA | ₹100,000 INR | ₹100,000 INR |
| Kaveri Grameena Bank | RRB | SBI | ₹25,000 INR | ₹25,000 INR |
| Kerala Gramin Bank | RRB | NA | ₹20,000 INR | ₹20,000 INR |
| Kotak Mahindra Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Langpi Dehangi Rural Bank | RRB | SBI | ₹10,000 INR | ₹100,000 INR |
| Madhya Bihar Gramin Bank | RRB | PNB | ₹25,000 INR | ₹100,000 INR |
| Maharashtra Gramin Bank | RRB | BOM | ₹25,000 INR | ₹100,000 INR |
| Maharashtra State Co-Op Bank | Cooperative | NA | ₹5,000 INR | ₹50,000 INR |
| Malwa Gramin Bank (Bank merged with Punjab Gramin Bank) | RRB | SBI | ₹10,000 INR | ₹25,000 INR |
| Manipur Rural Bank | RRB | SBI | ₹10,000 INR | ₹10,000 INR |
| Maratha Co-Op Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Meghalaya Rural Bank | Foreign Bank | SBI | ₹100,000 INR | ₹100,000 INR |
| Mizoram Rural Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| NKGSB Co-Op Bank Ltd | Cooperative | NA | ₹20,000 INR | ₹40,000 INR |
| Oriental Bank of Commerce | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Paschim Banga Gramin Bank | RRB | UCO | ₹5,000 INR | ₹25,000 INR |
| Paytm Payments Bank | Payments Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Pragathi Krishna Gramin Bank | RRB | NA | ₹20,000 INR | ₹20,000 INR |
| Prathama Bank | RRB | NA | ₹10,000 INR | ₹50,000 INR |
| Punjab and Maharashtra Co-Op Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Punjab and Sind Bank | Public Sector Bank | NA | ₹10,000 INR | ₹10,000 INR |
| Punjab Gramin Bank | RRB | PNB | ₹10,000 INR | ₹25,000 INR |
| Punjab National Bank | Public Sector Bank | NA | ₹25,000 INR | ₹50,000 INR |
| Purvanchal Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Rajasthan Marudhara Gramin Bank | RRB | SBI | ₹25,000 INR | ₹25,000 INR |
| Rajkot Nagari Sahakari Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Samruddhi Co-Op Bank Ltd | Cooperative | TJSB | ₹100,000 INR | ₹100,000 INR |
| Sarva Haryana Gramin Bank | RRB | PNB | ₹50,000 INR | ₹100,000 INR |
| Sarva UP Gramin Bank | RRB | PNB | ₹50,000 INR | ₹100,000 INR |
| Saurashtra Gramin Bank | RRB | SBI | ₹20,000 INR | ₹100,000 INR |
| Shree Kadi Nagarik Sahakari Bank Ltd | Cooperative | Yes Bank | ₹100,000 INR | ₹100,000 INR |
| South Indian Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Standard Chartered | Foreign Bank | NA | ₹100,000 INR | ₹100,000 INR |
| State Bank of India | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Suco Souharda Sahakari Bank | Cooperative | ICICI Bank | ₹100,000 INR | ₹100,000 INR |
| Suryoday Small Finance Bank Ltd | Small Finance Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Suvarnayug Sahakari Bank Ltd | Cooperative | HDFC | ₹100,000 INR | ₹100,000 INR |
| Syndicate Bank | Public Sector Bank | NA | ₹10,000 INR | ₹100,000 INR |
| Tamilnad Mercantile Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
| Telangana Gramin Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Telangana State Co-Operative Apex Bank | Cooperative | IDBI | ₹10,000 INR | ₹100,000 INR |
| Thane Bharat Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Cosmos Co-Operative Bank Ltd | Cooperative | NA | ₹10,000 INR | ₹50,000 INR |
| The AP Mahesh Co-Operative Urban Bank | Cooperative | NA | ₹25,000 INR | ₹25,000 INR |
| The Ahmedabad District Co-Operative Bank Ltd | Cooperative | GSCB | ₹10,000 INR | ₹25,000 INR |
| The Ahmedabad Mercantile Co-Op Bank Ltd | Cooperative | HDFC Bank | ₹100,000 INR | ₹100,000 INR |
| The Andhra Pradesh State Co-Operative | Cooperative | NA | ₹10,000 INR | ₹100,000 INR |
| The Baroda Central Co-Operative Bank Ltd | Cooperative | GSCB | ₹15,000 INR | ₹100,000 INR |
| The Gujarat State Co-Operative Bank Ltd | Cooperative | NA | ₹50,000 INR | ₹100,000 INR |
| The Hasti Co-operative Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Kalyan Janata Sahakari Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Lakshmi Vilas Bank Ltd | Private | NA | ₹100,000 INR | ₹100,000 INR |
| The Mahanagar Co-Op Bank Ltd | Cooperative | NA | ₹25,000 INR | ₹50,000 INR |
| The Malad Sahakari Bank Ltd | Cooperative | PMCO | ₹10,000 INR | ₹50,000 INR |
| The Mehsana Urban Co-Operative Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Municipal Co-Op Bank Ltd | Cooperative | NA | ₹5,000 INR | ₹50,000 INR |
| The Muslim Co-Operative Bank Ltd | Cooperative | HDFC | ₹100,000 INR | ₹100,000 INR |
| The Nainital Bank Ltd | Private | NA | ₹20,000 INR | ₹40,000 INR |
| The Ratnakar Bank Ltd | Private | NA | ₹25,000 INR | ₹25,000 INR |
| The Saraswat Co-Operative Bank | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Surat People’s Co-Op Bank Ltd | Cooperative | NA | ₹25,000 INR | ₹100,000 INR |
| The Sutex Co-Op Bank | Cooperative | ICICI Bank | ₹100,000 INR | ₹100,000 INR |
| The SVC Co-Operative Bank Ltd | Cooperative | NA | ₹10,000 INR | ₹20,000 INR |
| The Thane Janta Sahakari Bank Ltd (TJSB) | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd | Cooperative | ICICI Bank | ₹100,000 INR | ₹100,000 INR |
| The Udaipur Mahila Urban Co-Op Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| The Urban Cooperative Bank Ltd Dharangaon | Cooperative | ICICI Bank | ₹20,000 INR | ₹25,000 INR |
| The Varachha Co-Op Bank Ltd | Cooperative | NA | ₹20,000 INR | ₹40,000 INR |
| The Vijay Cooperative Bank Ltd | Cooperative | ICICI Bank | ₹20,000 INR | ₹200,000 INR |
| The Vishweshwar Sahakari Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Tripura Gramin Bank | RRB | SBI | ₹10,000 INR | ₹10,000 INR |
| UCO Bank | Public Sector Bank | NA | ₹100,000 INR | ₹100,000 INR |
| Ujjivan Small Finance Bank Ltd | Small Finance Bank | NA | ₹50,000 INR | ₹100,000 INR |
| Union Bank of India | Public Sector Bank | NA | ₹100,000 INR | ₹200,000 INR |
| United Bank of India | Public Sector Bank | NA | ₹25,000 INR | ₹60,000 INR |
| Uttarakhand Gramin Bank | RRB | SBI | ₹25,000 INR | ₹100,000 INR |
| Vananchal Gramin Bank | RRB | SBI | ₹20,000 INR | ₹20,000 INR |
| Vasai Vikas Co-Op Bank Ltd | Cooperative | NA | ₹100,000 INR | ₹100,000 INR |
| Vijaya Bank | Public Sector Bank | NA | ₹25,000 INR | ₹50,000 INR |
| YES Bank | Private | NA | ₹100,000 INR | ₹100,000 INR |
Now that we have covered the transaction limit of GPay, let’s move on to something interesting.
How To Go Beyond GPay Transaction Limit?
Now, the maximum transaction limit in GPay can be a hurdle for businesses.
As a merchant, you need to accept payments in massive amounts transfer funds and multiple times a day.
Thankfully, the GPay limit per day does not apply to peer-to-merchant transactions. A customer can pay a business as many funds as required. Moreover, there is no limit to the number of transactions either.
A payment gateway like Cashfree can help you accept and disburse UPI payments seamlessly. UPI payments for businesses have seen an enormous spike as it has become a preferred mode of payment. In fact, according to a report by PwC, it is expected that daily UPI transactions will reach 1 billion by FY 2026-272. Out of these transactions, GPay had a share of 36%3.
Needless to say, businesses have a lot to gain by offering UPI as a payment mode to customers. It will decrease cart abandonment rates and increase customer satisfaction due to its ease of use.
Having said that, let’s dive deeper. Let’s have a look at the biggest advantages of accepting and disbursing payment through UPI for businesses.
For businesses, the GPay daily transaction limit can be restrictive when handling multiple payments or high transaction volumes.
Luckily, peer-to-merchant (P2M) transactions are exempt from these limits. A customer can make as many payments as needed without hitting the Rs1,00,000 limit. For some P2M transactions, the limit is even raised to Rs2,00,000.
Payment gateways like Cashfree Payments can help businesses accept and disburse UPI payments without limitations, enhancing efficiency and cash flow management.
Additional info on Person-to-Person (P2P) Payments:
Based on UPI’s guidelines, the maximum transaction amount is ₹100,000 INR or one lakh a day. It varies from bank to bank, and you can make up to 20 transactions per day.
Your phone number is the identifier so that UPI can calculate the number of transactions and the amount.
This limit applies when you send money, and it applies to all UPI apps like Google Pay. It also includes all UPI transactions like fund transfer, merchant, and recharge and bill payments.
If you reach the maximum daily amount or number of transactions, wait for 24 hours before you make another transaction.
Tip: As per the UPI guidelines, if you reinstalled the app and added your account, you can transfer up to ₹5,000 INR within the first 24 hours. Your first transaction should have a minimum amount of ₹50 INR.
Source: Google Pay Docs
General NPCI Limits for P2M:
The National Payments Corporation of India (NPCI) sets the daily UPI transaction limit at ₹1 lakh for general transactions. (P2)
However, for specific categories like capital markets, insurance, collections, and foreign inward remittances, the limit is increased to ₹2 lakh.
For transactions like
- Tax payments
- Educational institutions
- Hospitals
- IPOs
- RBI retail direct schemes,
he limit is further raised to ₹5 lakh. (NPCI Circular1) (NPCI Circular 2)
Banks and UPI apps may also have their own internal limits, which could be lower than the NPCI limit.
There is a change in UPI LITE limits that you might want to add to both blogs since its adoption is increasing.
Source: NPCI circular
Offering GPay As a Payment Mode To Customers
In India, more than 12 lakh websites4 use GPay as a payment mode. The reason behind it is simple. It has one of the largest customer bases in India. Moreover, it is easy to use and increases customer satisfaction with the payment process.
A payment gateway can help you offer UPI apps like GPay after easy integration. Let’s dive deeper to understand other benefits of offering GPay as a payment mode through a payment gateway.
Higher Profits For Businesses
A payment gateway helps you accept payments from your customers. Now, the patent gateway charges directly affect your business’ profit.
How? Let us explain!
A payment gateway charges you a fee on every customer transaction. This fee is known as the merchant discount rate (MDR).
Interestingly, the merchant discount rate for UPI transactions through apps like GPay is 0%. As a result, it leads to higher profit for the business as there is no MDR discounted from the settlement.
It is important to note that the payment gateway may have fixed charges on top of the MDR. These fixed charges may be the setup fee or the annual maintenance fee. However, Cashfree Payments does NOT levy any setup or maintenance fees on its merchants.
Swift Reconciliation
Transactions through UPI apps like GPay are easy. However, it is even easier to reconcile them. Reconciling your payment is cross-checking every payment company payment transaction and thus, understanding the expense and profits.
Related Read: Reconciling Your Payment – The Ultimate Guide
So, a payment gateway can help you reconcile your payment through comprehensive dashboards. These dashboards will show the date/time of the transaction, the amount, the merchant discount rate and also the net settlement amount of each transaction.
Furthermore, you can filter out your transactions to create custom reports. You may filter the GPay transactions based on either their period or settlement amount.
Finally, a payment gateway dashboard also offers payment analytics. This can help you understand your past transactions and therefore, estimate your cash flow accurately. This can also help small and medium businesses in business forecasting and chalking out a future plan.
No Transaction Limit in GPay
Although the NPCI has set a Google Pay transaction limit in India, the rules are different for businesses. The P2P (person/customer to person/customer) limit is ₹1 Lakh and also for many merchant payments However, for some P2M (person/customer to merchant), the limit is ₹2 Lakh.
Hence, you can make any amount of transactions through a payment gateway. Cashfree also allows you to set your own transaction limits in terms of amount and frequency.
Interestingly, a payment gateway can also help you offer recurring bill options to your customers. They can choose to make repeat payments through UPI apps like Google Pay, Phone Pe, Paytm and even more.
Google Pay’s transaction limits may impact daily transfers, but businesses can bypass these restrictions through peer-to-merchant payments. By integrating a payment gateway, businesses can manage high transaction volumes, streamline payments, and improve profitability. Offering UPI as a payment option is a strategic move to enhance customer satisfaction and grow your business.
