The SBI UPI transaction limit is ₹1 lakh per transaction and ₹1 lakh per day for person-to-person (P2P) and person-to-merchant (P2M) payments combined. SBI allows 20 P2P transactions in 24 hours and sets no count limit for merchant payments, as long as you stay within ₹1 lakh. After you set or reset your UPI PIN, a ₹5,000 cooling limit applies for a short period.
These limits apply to your SBI account in every UPI app: YONO SBI, BHIM SBI Pay, Google Pay, PhonePe, Paytm and others. Below are the official SBI figures from SBI’s YONO blog, worked examples, higher limits for verified merchants and what to do when a payment is declined. For other banks and apps, see our UPI guides hub.
SBI UPI transaction limit: quick answer
| Limit | SBI figure |
|---|---|
| Per transaction | ₹1,00,000 |
| Per day (P2P and P2M) | ₹1,00,000 |
| P2P transactions per 24 hours | 20 |
| P2M transactions per 24 hours | No count limit, within ₹1,00,000 |
| First transaction after PIN set/reset | ₹5,000 |
| First 24 hours after PIN set/reset (Android) | ₹5,000 in total |
| After PIN set/reset (iOS) | ₹5,000 per day for the first 5 days |
| UPI Lite payment | Up to ₹1,000, no PIN |
| UPI Lite balance | ₹5,000 |
Source: SBI YONO blog on UPI limits, checked on 30 October 2026. SBI notes the limits are subject to change from time to time, as per NPCI guidelines or the bank’s discretion.
SBI UPI transaction limit per day explained
The ₹1 lakh daily cap covers both money sent to people and normal payments to shops and websites. It runs on a rolling 24 hours, so a payment made at 11 AM frees up its share at 11 AM the next day.
Example 1: one ₹1 lakh pot for people and shops
You pay ₹70,000 to a jeweller’s normal QR at 11 AM. At 4 PM you try to send ₹40,000 to your brother. The second payment is declined, because only ₹30,000 is left in the window. You can send ₹30,000 now and the rest the next day after 11 AM, or send the full ₹40,000 at once by NEFT or IMPS.
Example 2: count limit on transfers to people
A small shop owner sends ₹1,000 each to 20 workers on Saturday evening. That uses all 20 P2P slots but only ₹20,000 of the value. The 21st worker cannot be paid by UPI from the same SBI account until the earliest transfer turns 24 hours old. Shop payments by the same owner can still go through, because SBI has no count limit for P2M, but they share the remaining ₹80,000.
For a full explanation of count rules across banks, read UPI transactions per day.
The SBI UPI cooling period
SBI applies a cooling period after you set or reset your UPI PIN:
| Stage | Android | iPhone (iOS) |
|---|---|---|
| First transaction | Up to ₹5,000 | Up to ₹5,000 |
| Cooling period | ₹5,000 in total for the first 24 hours | ₹5,000 per day for the first 5 days |
| After cooling | ₹1 lakh per transaction and per day | ₹1 lakh per transaction and per day |
The normal limit returns on its own. If you have a big payment coming up, such as rent or school fees, do not reset your PIN in the days just before it. If you use an iPhone, plan for the full 5 days.
SBI UPI limits for verified merchants
SBI’s YONO blog lists higher limits for payments to verified merchants in some categories:
| Category (verified merchants) | SBI limit |
|---|---|
| Insurance and capital markets | ₹2,00,000 |
| IPO (ASBA), RBI Retail Direct Scheme, tax payments | ₹5,00,000 |
| Hospitals and educational institutions | ₹5,00,000 |
| Inward and outward remittances via UPI (India–Singapore corridor) | Up to 1,000 SGD equivalent |
NPCI’s rules from 15 September 2025 allow up to ₹5 lakh per payment for insurance and capital markets too, but SBI’s page shows ₹2 lakh for these. So a ₹3 lakh mutual fund payment from an SBI account may fail even to a verified merchant, while a ₹3 lakh hospital bill to a verified hospital should be within SBI’s ₹5 lakh limit. Confirm with SBI before a large merchant payment. See the full NPCI category table in our maximum limit of UPI guide.
SBI UPI Lite limits
With UPI Lite, you can make small payments of up to ₹1,000 without a UPI PIN, from a Lite balance of up to ₹5,000. It suits daily spends like tea, vegetables or bus fares. Setup steps are in our UPI Lite guide.
Sending more than ₹1 lakh from SBI
- Log in to SBI internet banking or the YONO app.
- Add the receiver as a beneficiary if you have not already. New beneficiaries may have a waiting period or lower first-day limit; check the screen.
- Choose NEFT, IMPS or RTGS. RTGS is for ₹2 lakh and above; RBI sets no minimum or maximum for NEFT.
- Your per-day limits for these depend on your account and the beneficiary settings, so check them in internet banking before a big transfer.
Common problems and fixes
| Problem | Likely cause | What to do |
|---|---|---|
| Declined at ₹5,001 | Cooling period after PIN set/reset | Wait 24 hours (Android) or 5 days (iOS) |
| Declined after many small transfers | 20 P2P transfers reached | Wait for the 24-hour window to move |
| Declined at a large total | ₹1 lakh daily cap used up | Use NEFT/IMPS or another bank account |
| Large mutual fund payment fails | SBI lists ₹2 lakh for capital markets | Split by date or pay by net banking |
| Debited but failed | Bank or network issue | Keep the UTR; read UPI transaction failed |
If UPI is not working at all from your SBI account, our guide on SBI UPI not working covers maintenance windows and other causes.
Safety tips from SBI
- Keep your UPI PIN confidential and do not share it with anyone.
- Confirm the name, UPI ID or mobile number before sending money.
- Download UPI apps only from official app stores.
- Check your statements regularly for unauthorised transactions.
- Do not click suspicious links, especially those offering quick transfers. Report fraud to SBI and call 1930.
FAQs
What is the SBI UPI limit per day?
₹1 lakh per day for P2P and P2M together, with up to 20 P2P transactions in 24 hours.
Is there a count limit on SBI merchant payments?
No. SBI says there is no transaction-count limit for P2M payments, but they share the ₹1 lakh daily value limit.
Is the SBI limit different on YONO and Google Pay?
No. The limit is tied to your SBI account, not the app.
Why is my SBI UPI limit ₹5,000?
You recently set or reset your UPI PIN. The cooling limit ends after 24 hours on Android and 5 days on iOS.
What is the SBI UPI limit for insurance or mutual funds?
SBI lists ₹2,00,000 for insurance and capital market payments to verified merchants.
Can I increase my SBI UPI limit?
Not above ₹1 lakh for regular payments. See how to increase UPI limit for practical options.
How much can I pay with SBI UPI Lite?
Up to ₹1,000 per payment without a PIN, with a maximum UPI Lite balance of ₹5,000.
Conclusion
For an SBI account, plan around the SBI UPI transaction limit of ₹1 lakh a day and 20 transfers to people. Shop payments have no count cap but share the same ₹1 lakh. Avoid PIN resets before big payments, check SBI’s category limits for insurance and investments, and use NEFT, RTGS or IMPS when you need to move more. More guides are in our UPI guides hub.
Sources: SBI YONO blog: UPI transaction limits and cooling period, NPCI, RBI, Google Pay Help (NPCI category limits). Checked 30 October 2026.
This guide is for general information only. Limits and features can change; check your bank or UPI app for the latest details. FIIAndDIIData.com is not affiliated with NPCI or any UPI app.
