Gpay Limit Per Day: Rules, Limitations, and How Can You Increase the Gpay Limit?

Have you ever noticed how Google Pay has made paying for things so much easier? Whether it’s paying for your midnight cravings, splitting bills with friends, or buying fresh veggies from the local market, GPAY has your back. But wait, have you ever hit that invisible wall—the dreaded Gpay limit per day? How much is the GPay transaction limit as of 2024, and is there a way to increase the GPay limit?

Let’s take a closer look and find out how to manage these limits effectively.

Gpay Transaction Limit| Lesser Known Facts

GPAY limit per day ensures security, but sometimes it feels like a digital traffic jam.

1. Google Pay, formerly known as Android Pay and Google Wallet, has rapidly grown in popularity since its launch in 2015.
2. It started as Google Wallet in 2011, then became Android Pay in 2015, and finally rebranded as Google Pay in 2018.
3. Google Pay isn’t just for online shopping. You can use it to pay street vendors, pay household bills, split bills, recharge your phone, and more—all with a simple scan or tap.

With Google Pay, handling money has become easier than ever, reflecting its tagline, “Money made simple.”

GPay (Google Pay) Limit Per Day

Ever been in a checkout line, only to see that dreaded message: “Exceeded daily limit”?

We’ve all been there.

Google has a daily and monthly GPay transaction limit.

The Google Pay (GPay) limit per day for money transfers in India is ₹1,00,000. 

Additionally, you can perform a maximum of 20 transactions through GPay or any other UPI app within a 24-hour period.

How long do I wait to make the transaction?

If you need to conduct more transactions or transfer a larger amount, you’ll need to wait until the 24-hour period resets.

To prevent cyber fraud, there’s a ₹2000 limit for requesting payments via Virtual Payment Address (VPA) in UPI through GPay.

Things to Note If You are Using GPay For the First Time

When you first download and register on Google Pay, your initial transaction limit is ₹1,00,000. 

However, if you’ve recently changed your phone, mobile number, or UPI PIN, your maximum transaction limit for the first 24 hours is ₹5,000.

As part of the setup process, you might need to transfer ₹1 to Google Pay to complete the setup. This ₹1 will be refunded back to your account later on.

Requesting Money From a Google Pay Contact

You can ask someone for money using Google Pay. 

Here’s how:

1. Open the Google Pay app on your phone.
2. Swipe up from the bottom of the screen.
3. Tap on the picture of the person you want to request money from.
4. You can also find them by searching their name, phone number, or UPI ID.
5. Then, tap “Request” at the bottom.
6. Enter the amount you need and why.
7. Tap “Request” again.
8. You’ll get a notification from Google Pay when they respond to your request.

Daily UPI Limit

The daily UPI limit for all UPI apps is ₹1,00,000. Therefore, any transactions that you make from UPI or other than Google Pay also affect your pay transaction limit.

For instance, if you send ₹30,000 using one UPI app on a given day, your GPay transfer limit for that day will decrease to ₹70,000.

Keep in mind that these transaction limits can vary depending on the bank you use.

How to Check GPay Limit Per Day

Here is a table that shows the gpay limit per day for 143 banks across India; you can check your bank below:

Transaction Limit (INR)	Banks
₹100,000	Aditya Birla Idea Payments Bank, Airtel Payments Bank, Allahabad Bank, Andhra Bank, Andhra Pradesh Grameena Vikas Bank, Apna Sahakari Bank, Axis Bank, Bank of Baroda, Bank of Maharashtra, Canara Bank, Catholic Syrian Bank, Central Bank of India, Chaitanya Godavari Grameena Bank, Chhattisgarh Rajya Gramin Bank, Citibank Retail, City Union Bank, COASTAL LOCAL AREA BANK LTD, Corporation Bank, DBS Digi Bank, Dena Bank, Dhanlaxmi Bank Ltd, Dombivali Nagrik Sahakari Bank, Equitas Small Finance Bank, ESAF Small Finance Bank, Federal Bank, FINO Payments Bank, G P Parsik Bank, HDFC, ICICI Bank, IDBI Bank, IDFC, Indian Bank, Indian Overseas Bank, IndusInd Bank, Jana Small Finance Bank, Jio Payments Bank, Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd, Karnataka Bank, Karur Vysaya Bank, Kashi Gomti Samyut Gramin Bank, Kotak Mahindra Bank, Langpi Dehangi Rural Bank, Madhya Bihar Gramin Bank, Maharashtra Grameen Bank, Maniur Rural Bank, Maratha Co-Op Bank, Meghalaya Rural Bank, Mizoram Rural Bank, Oriental Bank of Commerce, Paytm Payments Bank, Punjab and Maharastra Co-Op Bank, Punjab National Bank, Purvanchal Bank, Rajkot Nagari Sahakari Bank Ltd, Samruddhi Co-Op Bank Ltd, Sarva Haryana Gramin Bank, Sarva UP Gramin Bank, Saurashtra Gramin Bank, Shree Kadi Nagarik Sahakari Bank Ltd, South Indian Bank, Standard Chartered, SBI / State Bank of India, Suco Souharda Sahakari Bank, Suryoday Small Finance Bank Ltd, Suvarnayug Sahakari Bank Ltd, Syndicate Bank, Tamilnadu Mercantile Bank, Telangana Gramin Bank, Telangana State Co-Operative Apex Bank, Thane Bharat Sahakari Bank, The Ahmedabad Mercantile Co-Op Bank Ltd, The Andhra Pradesh State Co-Operative, The Baroda Central Co-Operative Bank Ltd, The Gujarat State Co-Operative Bank Limited, The Hasti Co-operative Bank Ltd, The Kalyan Janta Sahkari Bank, The Lakshmi Vilas Bank Limited, The Mehsana Urban Co-Operative Bank, The Surat People’s Co-Op. Bank Ltd, The Sutex Co-Op Bank, The Thane Janta Sahakari Bank Ltd (TJSB), The Udaipur Mahila Samridhi Urban Co-Op Bank Ltd, The Udaipur Mahila Urban Co-Op Bank Ltd, The Varachha Co-Op Bank Ltd, The Vishweshwar Sahakari Bank Ltd, UCO Bank, Ujjivan Small Finance Bank Limited, Vasai Vikas Co-Op Bank Ltd, YES Bank
₹70,000	United Bank of India
₹50,000	Adarsh Co-Op Bank Ltd, Allahabad UP Gramin Bank, Bhilwara Urban Co-Operative Bank LTD, Kaveri Grameena Bank, Punjab Gramin Bank, Tamilnadu Mercantile Bank, The Cosmos Co-Operative Bank LTD, Vijaya Bank
₹40,000	Allahabad UP Gramin Bank, Bassein Catholic Co-Op Bank, NKGSB Co-Op. Bank Ltd
₹20,000	Andhra Pragathi Grameena Bank, Assam Gramin VIkash Bank, J&K Grameen Bank, Kerala Gramin Bank, Paschim Banga Gramin Bank, Pragathi Krishna Gramin Bank, The SVC Co-Operative Bank Ltd, Tripura Gramin Bank, Vananchal Gramin Bank
₹10,000	Punjab and Sind Bank

How to Increase GPay Limit

To increase your GPay credit limit specifically:

• Respond to the credit limit warning email if you exceed the daily transfer limit.
• Contact your Google representative to request a credit limit increase.

Google Pay reviews each request individually, and additional documentation like financial statements or spending projections may be required.

These steps may vary based on your location and the policies of Google Pay and your bank.

Self-Transfer Limit in Google Pay

For self-transfers within Google Pay:

• The limits are the same as standard transaction limits.
• You can transfer money between your own bank accounts added to Google Pay, with a maximum of ₹1,00,000 per transaction and up to 20 transactions per day.

Google Pay Limit for Business Transactions

While the maximum GPay transaction limit between individuals or with most businesses is ₹1 lakh daily, certain Payment to Merchant (P2M) transactions, such as credit card payments, loan repayments, and capital market transactions, have a higher limit of ₹2 lakhs.

Using Google Pay for Customer Payments

Razorpay facilitates the integration of Google Pay and other UPI apps with standard or custom checkout processes.

Payment reconciliation is another step that helps in reviewing each payment transaction to analyse expenses and profits.

Businesses can do this through a payment gateway’s comprehensive dashboard.

Conclusion

Understanding GPay limit per day is crucial for managing your financial transactions effectively.  If you need to increase your GPay transaction limit, you can respond to credit limit warnings, contact Google for a limit increase, and provide necessary documentation for review. However, you must be aware of the OTP frauds while using google pay for sending or receiving money. 

FAQs| GPay Transaction Limit

Source– google.com

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Disclaimer: Investments in the securities market are subject to market risks; read all the related documents carefully before investing.