Gpay Limit Per day in India 2025

Google Pay (GPay), a leading UPI platform in India, offers seamless transactions for bills, shopping, and transfers. For 2025, GPay’s daily transaction limits, set by RBI, NPCI, and Google, govern the number and value of transactions across 143 banks. In this article, we will understand about GPay limit per day, as it helps to avoid failed payments and manage finances effectively. 

Understanding GPay Limit Per Day in India

According to 2025, Google Pay (GPay) allows users to send up to Rs.1,00,000 per day through UPI. You can make a maximum of 20 transactions in 24 hours using GPay. Once you reach this limit—either by amount or number of transactions—you must wait until the next day to use the service again.

For UPI payment requests using a Virtual Payment Address (VPA), the daily limit is Rs.2,000. This cap is in place to reduce the risk of misuse and fraud.

If you are a new GPay user, or if you reinstall the app or change your mobile number, your sending limit is restricted to Rs.5,000 for the first 24 hours. Also, the first transaction must be at least Rs.50. However, every user should keep in mind that these limits are subject to change as per bank or NPCI updates, always verify with your bank for the latest limit.

GPay Limit Per Day for Special Cases

In some situations, Google Pay allows higher UPI limits of up to Rs.5 lakh per day, based on updated NPCI guidelines (effective from December 2021). These enhanced limits apply only to specific, high-priority transactions. Here are the key situations where GPay allows higher UPI limits, as per the latest NPCI rules:

• Income tax payments
• Fees to educational institutions
• Hospital bills
• IPO applications (up to Rs.5 lakh for non-institutional investors)
• Investments under the RBI’s Retail Direct Scheme (RDS)

These higher limits ensure that users can make large-value payments easily when it comes to essential services or regulated investments. However, this feature is available only if the user’s bank supports it and the merchant is approved for such transactions.

GPay Transaction Limit by Bank in India

Google Pay follows the standard UPI cap of Rs.1,00,000/day. However, individual banks have their own limits for UPI transactions and daily usage. Here's a categorized list of Indian banks based on their per-transaction UPI limits.

1. Banks that Provide Rs.1,00,000 Transaction Limit

The banks that allow the full UPI limit of Rs.1 lakh per transaction per day are as follows:

• Aditya Birla Bank
• Airtel Payments Bank
• Andhra Bank
• Axis Bank
• Bandhan Bank
• Bank of Maharashtra
• Canara Bank
• Catholic Syrian Bank
• Central Bank of India
• Citibank Retail
• City Union Bank
• Dhanlaxmi Bank
• DBS Digi Bank
• Dena Bank
• ESAF Small Finance Bank
• Equitas Small Finance Bank
• Federal Bank
• FINO Payments Bank
• HDFC Bank
• HSBC Bank
• ICICI Bank
• IDBI Bank
• IDFC Bank
• Indian Bank
• Indian Overseas Bank
• IndusInd Bank
• Jio Payments Bank
• Karnataka Bank
• Karur Vysya Bank
• Kotak Mahindra Bank
• Oriental Bank of Commerce
• Paytm Payments Bank
• South Indian Bank
• State Bank of India (SBI)
• Standard Chartered Bank
• Suryoday Small Finance Bank
• Syndicate Bank
• Tamilnad Mercantile Bank
• The Lakshmi Vilas Bank
• UCO Bank
• Union Bank of India
• YES Bank

2. Banks that Provide Rs. 50,000 Transaction Limit

The banks that allow the full UPI limit of Rs. 50,000 per transaction per day are as follows:

• Corporation Bank
• Indian Overseas Bank
• Ujjivan Small Finance Bank

3. Banks that Provide Rs.25,000 Transaction Limit

The banks that allow the full UPI limit of Rs.25,000 per transaction per day are as follows:

• Allahabad Bank
• Bank of Baroda
• Equitas Small Finance Bank
• India Post Payments Bank
• Punjab National Bank
• United Bank of India
• Vijaya Bank
• The Ratnakar Bank

4. Banks that Provide Rs. 20,000 Transaction Limit

The banks that allow the full UPI limit of Rs.20,000 per transaction per day are as follows:

• Jammu and Kashmir Bank
• The Nainital Bank

5. Banks that Provide Rs.10,000 Transaction Limit

The banks that allow the full UPI limit of Rs.10,000  per transaction per day are as follows:

• Bank of India
• Jana Small Finance Bank
• Punjab and Sind Bank

6. Banks that Provide Rs. 5,000 Transaction Limit

The banks that allow the full UPI limit of Rs.. 5,000 per transaction per day are as follows:

• DCB Bank

GPay Limit for Peer-to-Merchant (P2M) Transactions

Google Pay (GPay) applies specific transaction limits for payments made to merchants (P2M) to ensure security and regulatory compliance. These limits are based on user verification status, regional policies, and transaction type. Listed below are the gpay daily limit by transaction type:

These caps are aligned with NPCI guidelines to protect users and merchants from fraudulent activities while enabling smooth UPI usage across different sectors.

Google Pay as a Payment Option for Customers

Businesses can easily offer Google Pay and other UPI apps as payment methods using platforms like Razorpay. The integration process is simple and flexible, with options such as standard checkout and custom payment flows to suit different business needs.

For efficient financial tracking, payment gateways also offer payment reconciliation tools. These allow businesses to verify every transaction, monitor earnings, and analyze expenses through a centralized dashboard. The dashboard typically includes detailed transaction history, real-time analytics, and the ability to generate custom reports using filters like date, payment status, and source.

Ways to Increase GPay Transaction Limit

Google Pay does not have the authority to increase the transaction limit. Only the bank linked to the user's GPay account can approve this request. The approval depends on the account type, transaction history, and internal policies of the bank.

Step 1: Contact Your Bank

The user must visit the nearest bank branch or call the customer support number to place a request. The user must clearly state that they want to raise the UPI transaction limit associated with their bank account. The bank checks the request according to its internal guidelines.

Step 2: Verify Your Identity

The bank needs to confirm that the person making the request is the actual account holder. The user must submit documents such as an Aadhaar card, PAN card, and a valid photo ID. The bank compares these details with its records before moving ahead.

Step 3: Ensure the Bank Account is Linked to GPay

The requested increase applies only to the bank account linked to the GPay app. If the user has more than one account, the request must match the account connected to GPay. The user can confirm this in the app’s payment settings.

Step 4: Complete Any Additional Verification

In some cases, the bank asks for more information. This includes a written request, income proof, or a visit to the branch. A bank representative may also call the user for final verification. These steps prevent misuse and ensure customer safety.

Step 5: Await Bank Approval

Once the bank completes the verification process, it informs the user of the decision. If approved, the new limit is reflected in the user's account. The user receives a confirmation through SMS or email. The entire process may take up to 48 hours depending on the bank.

Ways to Request a Credit Limit Increase on Google Pay

Businesses using Google Pay with an active credit facility can request a higher credit limit through Google’s review process. This process is available only to verified users and varies based on your country and the policies of both Google Pay and your banking partner. It is important to follow the official procedure to ensure your request is reviewed correctly and on time.

Step 1: Respond to the Credit Limit Warning Email

When you reach your credit limit, Google Pay may send you a warning email. This email appears only if you are the user of a verified payment and have opted in for payment-related notifications. You can reply to this email to start the review process. Make sure to include your request clearly and mention the reason for the required limit increase.

Step 2: Contact Your Google Representative

If you do not receive an email or if you work with a Google account manager, you can directly approach your representative. Explain your requirement and provide details about your transaction volume, business model, and expected usage. This step helps Google assess your payment needs accurately.

Step 3: Undergo a Case-by-Case Review

Google does not approve all requests automatically. Each application is reviewed based on merit. The team evaluates your transaction history, account performance, and risk profile. They may ask for documents such as:

• Audited financial statements
• Bank guarantees
• Projected business spending
• The request proceeds only after these details are verified.

Step 4: Receive Confirmation of Approval

After reviewing your application, Google notifies you of its decision through email. If approved, your new credit limit becomes active. If rejected, the email will specify the reason. Google does not promise approval for all applications.

Conclusion

To sum up, understanding the Google Pay limit per day is vital for smooth transactions, secure payments, and financial clarity. Whether you manage daily expenses or high-value merchant flows, knowing and respecting your bank’s approved cap avoids disruptions and supports regulatory compliance. The structured approval system for higher limits reflects a strong balance between security and flexibility.