UPI Daily Transfer Limit: UPI से एक दिन में अधिकतम कितना ट्रांसफर कर सकते हैं
UPI se ek din mein maximum transfer karne ki limit generally ₹1,00,000 hoti hai regular transactions ke liye, jaise dost ko paise bhejna ya bill payment karna. Lekin, kuch special cases mein, jaise tax payment ya healthcare aur education ke liye, yeh limit ₹5,00,000 tak ja sakti hai, jo shayad aapko unexpected lagega. Alag-alag banks apni apni limits rakhte hain, to apne bank se confirm karna zaroori hai.
Bank-Specific Variations
Kuch banks, jaise SBI, ka daily limit ₹1,00,000 hai, jabki kuch banks ₹25,000 se start karte hain. Yeh depend karta hai apke bank par, to apne UPI app ya bank ke website pe check karo, jaise SBI UPI Limit ke liye.
UPI Daily Transfer Limit: Sab Kuch Jaan Lo
UPI, ya Unified Payments Interface, ek aisa tarika hai jisse aap apne bank account se jute hue mobile app ke through taurant payment kar sakte hain. Ye India mein bahut popular hai kyunki yeh tezi se, aasan, aur free hai personal transactions ke liye, jaise UPI Transaction Charges par bataya gaya hai. Lekin, ek sawal jo aksar logon ke mann mein aata hai, woh hai ki UPI se ek din mein maximum kitna transfer kar sakte hain? Aaj hum is topic par detail mein baat karenge, taaki aapko sab clear ho jaye.
Kya Hai Standard Daily Limit?
Research se pata chalta hai ki NPCI (National Payments Corporation of India) ne ek standard daily limit set kiya hai jo ₹1,00,000 hai. Iska matlab hai ki ek din mein aap ₹1 lakh tak transfer kar sakte hain, whether it’s P2P (peer-to-peer) ya P2M (person-to-merchant) transactions. For example, agar aap apne dost ko ₹50,000 bhejte hain aur phir ₹30,000 ka bill pay karte hain, to total ₹80,000 ho jayega, aur aapke paas ₹20,000 aur transfer karne ke liye bachega. Yeh limit NPCI ke guidelines ke according hai, jaise UPI Transaction Limit par mention kiya gaya hai.
Bank-Specific Limits: Kaise Bhinn Hote Hain
Lekin, har bank apni apni rules rakhta hai. Kuch banks ₹25,000 se start karte hain, jabki kuch ₹1,00,000 tak allow karte hain. For instance:
- State Bank of India (SBI): Unka daily UPI limit ₹1,00,000 hai, aur aap 10 transactions tak kar sakte hain, jaise SBI UPI Limit par dekha gaya hai.
- HDFC Bank: Unka bhi limit ₹1,00,000 hai, lekin 20 transactions tak allow hai, jaise UPI Transaction Limit par mention hai.
- ICICI Bank: Unka bhi ₹1,00,000 ka daily limit hai, 10 transactions ke sath.
Kuch banks weekly ya monthly limits bhi rakhte hain. For example, IDFC Bank ka weekly limit ₹1,00,000 hai, jaise UPI Transaction Limit par bataya gaya hai. To, aapko apne bank se confirm karna chahiye ki aapka exact limit kya hai.
New Users Ke Liye Kya?
Agar aap new UPI user hain, to pehli 24 hours ke liye daily limit ₹5,000 hoti hai, jo registration ke baad badh jati hai, jaise UPI Transaction Limits par mention hai. Yeh fraud se bachne ke liye hai, jo ek achha step hai.
Special Transactions Ke Liye Higher Limits
Yeh unexpected detail hai: sab UPI transactions ₹1,00,000 par cap nahi hote. Kuch high-value categories ke liye limits zyada hain:
| Category | Daily Limit |
|---|---|
| Tax Payments | ₹5,00,000 |
| Healthcare & Education (Verified Merchants) | ₹5,00,000 |
| Capital Markets, Insurance, Foreign Remittances | ₹2,00,000 |
For example, agar aap tax payment kar rahe hain, to aap ek baar mein ₹5 lakh transfer kar sakte hain, jaise UPI Transaction Limit Increased par bataya gaya hai. Yeh industries ke liye bahut helpful hai jo bade payments handle karte hain. Lekin, yeh daily limit sirf verified merchants ya special cases ke liye hai, not for regular P2P transfers.
Apni Limit Kaise Check Karen?
Apne UPI app ke settings ya help section mein dekho, jaise Paytm, PhonePe, ya BHIM. For example, BHIM par daily limit ₹1,00,000 ka mention hai (BHIM FAQ). Agar nahi milta, to apne bank ke customer care se puchho, jaise SBI Customer Care ke liye. Kuch banks ki website pe bhi yeh information available hoti hai.
Tips for Smooth Transactions
- Plan Karo: Agar aapko ek din mein zyada amount transfer karna hai, to check karo ki kya woh special category mein aata hai. Agar nahi, to next day wait karo ya net banking ka use karo.
- Apdate Raho: Limits change ho sakte hain, jaise recent mein UPI Lite ke liye wallet limit ₹5,000 tak badhi, jaise RBI UPI Lite Limits par bataya gaya hai.
- Security First: Apna UPI PIN secret rakho aur secure networks ka use karo fraud se bachne ke liye.
Niskarsh
To, UPI se ek din mein maximum transfer karne ki limit generally ₹1,00,000 hoti hai regular transactions ke liye, lekin special cases mein yeh ₹5,00,000 tak ja sakti hai. Yeh ek flexible system hai, lekin apne bank se confirm karna zaroori hai ki aapka exact limit kya hai. Whether aap ek chhota shopkeeper ho ya salaried professional, UPI aapki life ko aasan banata hai, to iska use samajhdari se karo aur informed raho!
