The SBI UPI limit controls how much money you can move in a single day through any UPI app connected to your State Bank of India account. Whether you're using Google Pay, PhonePe, Paytm, or SBI's own YONO app, the same cap applies across all of them — ₹1,00,000 per day. You can set a lower personal limit if you want tighter control over your spending, but you can't push it higher than what SBI has fixed.
Here's everything you need to know — current limits, new user restrictions, how to change your limit, and what to do when you hit the cap.
Quick Reference: SBI UPI Limits at a Glance
As of December 2025, SBI's UPI transaction limits work like this:
For regular users:
For new users or anyone who recently reset their UPI PIN:
If you need to transfer ₹1,50,000 in a single day — for a property booking token, for example — UPI won't cover it in one go. You'd need to split it across two days or switch to net banking for the full amount.
Short answer: no. SBI hasn't set an official monthly or annual cap on UPI transactions. The only hard limit is ₹1,00,000 per day — and that resets every day at midnight.
One thing worth knowing: any unused daily limit doesn't carry forward. If you transfer ₹40,000 on a Monday, you don't get ₹1,60,000 available on Tuesday. Each day starts fresh at ₹1,00,000. Given that these policies can change, it's worth checking SBI's official communications periodically for any updates.
SBI doesn't charge anything for UPI transactions. Zero fees, no per-transaction deductions, no monthly usage charges. That's consistent with how UPI works across virtually all banks in India — the National Payments Corporation of India (NPCI) framework keeps UPI free for personal use.
The only thing to watch isn't a fee — it's the daily limit. Hit ₹1,00,000 and you're done for the day regardless of how many transactions that took.
The maximum SBI UPI limit is fixed at ₹1,00,000 per day. That ceiling is set by SBI in line with NPCI guidelines, and there's no process — through YONO, branch visit, or customer care — to push it higher.
What you can do is lower it. Through the SBI YONO app, you can set a personal daily limit below ₹1,00,000 if you want to cap your own spending. Some people find this useful for budgeting — if you set your UPI limit to ₹20,000 per day, you can't accidentally overspend even if you try.
But if you're looking to go above ₹1,00,000, UPI isn't the right tool. Use SBI net banking or IMPS for larger single-day transfers.
Step 1: Open the SBI YONO app and sign in with your credentials.
Step 2: Go to the "YONO Pay" section from the home screen.
Step 3: Select "BHIM UPI" and then tap the profile icon at the top left corner.
Step 4: Choose "Set UPI Transaction Limit" from the menu.
Step 5: Type in your preferred daily limit — anything up to ₹1,00,000.
Step 6: Confirm the change by authenticating with your internet banking password or the OTP sent to your registered mobile number.
That's it. The change takes effect immediately. Remember — you can only set it lower than the bank's ceiling, not higher.
SBI hasn't publicly confirmed whether the 20-transaction P2P cap applies uniformly across all linked UPI apps or only within YONO itself. If you're hitting unexpected transaction limits, calling SBI customer care is the clearest way to check your account's specific settings.
Once you hit ₹1,00,000 in a single day, every further UPI attempt on any linked app will be declined — Google Pay, PhonePe, Paytm, YONO, all of them. The limit is account-level, not app-level. Your options at that point are net banking, IMPS, or waiting until midnight when the limit resets. Tip: if you regularly need to move large amounts, schedule one transfer for late evening and the remainder just after midnight to stay within UPI's daily cap.
Two things cause this. First, if you're a new SBI UPI user, NPCI applies a ₹5,000 restriction for the first 24 hours on Android or the first 5 days on iOS — this is a fraud-prevention measure and lifts automatically. Second, if you recently reset your UPI PIN or added your SBI account to a new phone, the same temporary ₹5,000 cap kicks in. Either way, you don't need to do anything — the limit rises to ₹1,00,000 once the cooling period ends. If it doesn't, contact SBI on 1800 112 211.
Yes — the daily cap of ₹1,00,000 applies regardless of which UPI app you use. That limit is tied to your SBI bank account, not to any particular app. So if you transfer ₹60,000 through Google Pay, you've got ₹40,000 left for the day across PhonePe, Paytm, and YONO combined — they all share the same pool.
No, it doesn't. Zero balance savings accounts under SBI carry the same ₹1,00,000 per day UPI limit as regular savings accounts. The account type doesn't change the UPI ceiling — what matters is that the account is active and your UPI PIN is set.
You can reach SBI's UPI support team by calling the toll-free number 1800 112 211 or the direct line 080 2659990. Both lines handle UPI-related queries. Alternatively, drop an email to support.upi@sbi.co.in if the issue isn't urgent. Before calling, note down the exact error message you're seeing — "limit exceeded," "transaction declined," or "bank not responding" all point to different problems, and the support team will resolve it faster with that detail.
The SBI UPI limit of ₹1,00,000 per day covers most daily payment needs comfortably. For amounts above that, net banking remains the cleaner route. Use the YONO app to set a lower personal cap if you want to keep spending in check, and check SBI's official channels periodically — the limits and rules around UPI have shifted before and could shift again.
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