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Understanding State Bank of India's UPI Transaction Limits

State Bank of India (SBI) sets specific UPI transaction limits to ensure secure digital payments for its customers. These limits, including a daily maximum of ₹1,00,000, apply across all UPI applications linked to an SBI account. While new users may face temporary lower limits, customers can adjust their personal transaction ceiling via the SBI YONO app, though it cannot exceed the bank's maximum cap. SBI currently does not impose official monthly or annual UPI transaction limits, and no charges are levied for these services.

📖 3 min read read🏷️ UPI Transaction Limits

Understanding State Bank of India's UPI Transaction Limits

State Bank of India (SBI) facilitates secure and efficient digital payments for its customers through the Unified Payments Interface (UPI). The transaction limits set by SBI apply uniformly across all UPI applications linked to an SBI bank account. Users have the flexibility to customize their preferred UPI transaction limit using the SBI YONO mobile application, provided it does not exceed the bank's predetermined maximum ceiling.

Key details regarding SBI UPI limits:

  • Per Transaction Limit: ₹1,00,000
  • Daily Transaction Limit: ₹1,00,000
  • Daily Transaction Count: Up to 20 transactions for person-to-person (P2P) transfers; no specific numerical limit for person-to-merchant (P2M) transactions, only the ₹1,00,000 daily monetary cap.
  • Restrictions for New Users/PIN Resets: A reduced limit of ₹5,000 applies for the initial 24 hours on Android devices and the first 5 days on iOS devices following new user registration or a UPI PIN reset.
  • Monthly/Yearly Limits: SBI has not officially announced any specific monthly or yearly transaction caps for UPI.

Details of SBI UPI Transaction Limits

As of April 2025, State Bank of India implements the following Unified Payments Interface (UPI) transaction parameters for its account holders:

  • Maximum Amount Per Transaction: ₹1,00,000
  • Maximum Daily Transaction Value: ₹1,00,000
  • Number of P2P Transactions Daily: Up to 20 transfers. For person-to-merchant (P2M) transactions, there is no numerical limit, but the total value must remain within the ₹1,00,000 daily financial ceiling.

It is important to note that for individuals who are new UPI users or have recently reset their UPI PIN, a temporary transaction limit is imposed. This restriction limits transactions to ₹5,000 per single transfer and a cumulative total of ₹5,000 within the first 24 hours for Android users, and for the initial 5 days for iOS users.

Monthly SBI UPI Transaction Limits

According to the latest information from SBI, there is no designated monthly cap on UPI transactions. However, these regulations are subject to periodic review and alteration. Therefore, users are encouraged to remain vigilant for any future updates regarding SBI's UPI transaction policies.

SBI UPI Limits and Associated Service Charges

SBI's standard UPI transaction framework includes a limit of ₹1,00,000 per individual transaction and per day, alongside a maximum of 20 person-to-person (P2P) transfers daily. New users or those who have recently linked their account or changed their UPI PIN will experience an initial restricted limit of ₹5,000 for the first 24 hours. Consistent with prevailing practices for UPI payments across India, SBI does not levy any charges for UPI transactions.

Annual SBI UPI Transaction Limits

SBI does not impose a specific annual limit on UPI transactions. While there isn't a yearly cap, the bank strictly enforces a daily UPI transaction limit of ₹1,00,000. Customers can set a lower daily transaction amount through the SBI YONO application to manage their spending; however, this customized limit cannot surpass the bank's established maximum. It is also not possible to carry forward any unused limit from a previous day.

How to Adjust Your UPI Limit in SBI

The highest SBI UPI transaction limit stands at ₹1,00,000. Users can personalize their daily SBI UPI limit to align with their financial management goals via the SBI YONO application. It is crucial to remember that this personalized limit cannot surpass the bank's maximum allowable amount of ₹1,00,000 for UPI transactions.

Steps to Change Your SBI UPI Transaction Limit

While the maximum SBI UPI transaction limit is set at ₹1,00,000, customers can choose to configure a lower limit for their transactions, enabling better financial oversight. Here are the steps to modify your SBI UPI limit using the SBI YONO app:

  1. Access the SBI YONO app and log in using your credentials.
  2. Navigate to the 'YONO Pay' section.
  3. Select 'BHIM UPI' and then tap the profile icon located in the top left corner.
  4. Choose the 'Set UPI Transaction Limit' option.
  5. Input your desired transaction limit (which can be up to ₹1,00,000) and confirm your selection.
  6. Authenticate the change by providing your internet banking password or a One-Time Password (OTP) when prompted.

Conclusion

The SBI UPI limit is structured to safeguard customers and foster secure digital payment activities. While the maximum SBI UPI transaction limit is fixed at ₹1,00,000, individuals have the option to set lower limits for better expense monitoring. Given that these guidelines may be updated periodically, staying informed about SBI's most recent announcements is vital for a smooth and uninterrupted digital banking experience.

Frequently Asked Questions

What is GST in India?
GST (Goods and Services Tax) is a comprehensive, multi-stage, destination-based tax levied on every value addition. It replaced multiple indirect taxes in India, streamlining the tax structure.
What are the different types of GST?
In India, there are four main types of GST: CGST (Central GST) collected by the Central Government, SGST (State GST) collected by State Governments, IGST (Integrated GST) collected by the Central Government on inter-state transactions, and UTGST (Union Territory GST) for Union Territories.
Who is required to register for GST?
Businesses with an annual turnover exceeding a specified threshold (e.g., ₹20 lakhs for services, ₹40 lakhs for goods, varying by state) are typically required to register for GST. Additionally, individuals involved in inter-state supply, e-commerce operators, and those paying tax under the reverse charge mechanism must register.
What is the HSN code in GST?
HSN (Harmonized System of Nomenclature) code is an internationally standardized system of names and numbers for classifying traded products. Under GST, businesses use HSN codes to classify goods, making the taxation process systematic and globally consistent.
How is GST calculated on goods and services?
GST is calculated as a percentage of the transaction value of goods or services. The applicable GST rate (e.g., 5%, 12%, 18%, 28%) is applied to the taxable value, and the resulting amount is added to the price. For inter-state sales, IGST is applied, while for intra-state sales, CGST and SGST/UTGST are applied.