🆕 UPI Transaction Rules Effective 15 September 2025
India ke digital payment ecosystem me ek bada update aaya hai! NPCI (National Payments Corporation of India) ne UPI transaction limits ko revise kiya hai—especially high-value payments ke liye. Ye naye rules 15 September 2025 se lagu ho rahe hain.
🔍 Key Highlights
| Category | Per Transaction Limit | Daily Limit |
|---|---|---|
| Capital Market Investments | ₹5 lakh | ₹10 lakh |
| Insurance Premiums | ₹5 lakh | ₹10 lakh |
| Government e-Marketplace (GeM) | ₹5 lakh | ₹10 lakh |
| Travel Bookings | ₹5 lakh | ₹10 lakh |
| Credit Card Bill Payments | ₹5 lakh | ₹6 lakh |
| Jewellery Purchases | ₹2 lakh | ₹6 lakh |
| Business/Merchant Transactions | ₹5 lakh | No daily cap |
| Loan/EMI Collections | ₹5 lakh | ₹10 lakh |
| FX Retail via BBPS | ₹5 lakh | ₹5 lakh |
| Digital Account Opening | ₹5 lakh | ₹5 lakh |
| Initial Funding (Digital A/c) | ₹2 lakh | ₹2 lakh |
| Person-to-Person (P2P) Transfer | ₹1 lakh | ₹1 lakh (unchanged) |
💡 What’s Changing?
- ✅ High-value payments ab UPI se directly possible hain—no need for NEFT/RTGS.
- ✅ Verified merchants ke liye limits increase hui hain.
- ✅ P2P transactions ka limit same rahega: ₹1 lakh/day.
- ✅ No manual opt-in required—eligible merchants ke liye auto-enabled hoga.
🔐 Security Measures
- Multi-factor authentication for large payments
- Merchant verification for high-value categories
- Real-time fraud monitoring by banks and payment apps
🎯 Why It Matters
- 💼 Businesses aur merchants ke liye smoother checkout experience
- 🧾 Taxpayers aur investors ke liye faster settlements
- ✈️ Travel aur insurance payments ab hassle-free
- 📈 UPI ka role ab small payments se lekar large financial commitments tak expand ho gaya hai
📲 CTA Section
Explore More:
- Check Your UPI Limits
- Verify Merchant Eligibility
- Learn How to Enable High-Value Payments
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