GPay Limit Per Day 2025: How Much Can You Send Daily?

Digital payments are now a part of everyday life. Google Pay and PhonePe are examples of UPI payment platforms that have transformed how we send and receive money. Google Pay, in particular, leads the way with its speed and convenience. However, every transaction on Google Pay comes with a set limit defined by your bank and UPI rules. Sometimes, when you try to make one more payment, the app flashes that dreaded message, “limit exceeded.” This is what we call the GPay limit for one day. 

So, how much is the GPay transaction limit in 2025, and is there a way to increase the GPay limit for bank transfers? 

Let’s figure it out.

Google Pay (GPay) Transaction Limit Per Day- 2025

Google has a daily and monthly GPay transaction limit.

Transaction Type	Daily Limit
Peer-to-Peer (P2P) Transfers	₹1,00,000 per day or up to 20 transactions
Within 24 hours of new install or reinstall	Maximum ₹5,000 (minimum ₹50 for the first transaction)
Peer-to-Merchant (P2M) Payments	₹1,00,000 per day
IPO Payments (Retail Investors)	₹2,00,000
IPO Payments (Non-Institutional Investors)	₹5,00,000
Money Requests via UPI ID (VPA)	₹2,000 per day

Gpay limit per day in India 

If you’re wondering what the Gpay limits are, here are the latest rules related to the Gpay limit in India!

• Transaction amount: The maximum amount you can send or receive in a day is ₹100,000.
• Transaction frequency: You can make up to 20 transactions per day.
• Request money: You can request up to ₹2,000 per day.
• New users: If you’re a new user or have recently changed your phone or mobile number, your GPay transfer limit is capped at ₹5,000 for the first 24 hours.

What happens if you reach the limit?

You won’t be able to make any more transactions until the next day. Alternatively, you can try breaking your payments across multiple days.

How can you increase your Gpay transaction limit?

Wondering how to change Gpay limit?

You can contact your bank and request a limit increase. Your bank will assess your risk profile and may grant a higher Google Pay transaction limit.

What if you’re having trouble making a transaction?

First, check if you’ve reached your Google Pay daily limit or if your bank has its own limits. If you’re still having issues, contact Google Pay support for assistance.

UPI ‘Collect Request’ Feature Ends from October 1

The UPI “Collect Request” (P2P) feature, which allowed users to request money from others, has been discontinued as of October 1, 2025, to reduce fraud. This means you can no longer use the “payment request” or “collect request” option on apps like Google Pay or PhonePe to ask someone for money.

Now, all peer-to-peer (P2P) payments on UPI must be payer-initiated, meaning you will need to start the transaction yourself using a QR code, UPI ID, or bank details.

If you are wondering how to request money on Google Pay or why your app no longer shows the collect option, this is why:

From now onwards- 

• No more collect requests: You will not receive unsolicited requests to send money on GPay or other UPI apps.
• Sender-initiated transfers only: To send money, you must start the payment manually using UPI or your bank.
• Better protection against fraud: This change prevents scams that exploited the old “collect request” feature.
• No impact on merchant payments: Business and merchant transactions are not affected.
• Know your GPay limits: Daily limits on Google Pay transactions remain unchanged. You can check your GPay limit per day, GPay limit per transaction, or GPay transfer limit in your app settings or bank’s UPI guidelines.
  

GPay Limit Per Day by Different Banks (2025): Check Your Google Pay Transaction Limit

The daily UPI limit for all UPI apps is ₹1,00,000. Therefore, any transactions that you make from UPI or other sources 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.

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

Bank-Specific Google Pay Limits- 2025

UPI Transaction Limit	Banks
₹1,00,000	Aditya Birla Bank, Airtel Payments Bank, Andhra Bank, Axis Bank, Bandhan Bank, Bank of Maharashtra, Canara Bank, City Union Bank, Central Bank of India, Catholic Syrian Bank, Citibank Retail, Dhanlaxmi Bank, DBS Digi Bank, Dena Bank, ESAF Small Finance Bank, Federal Bank, FINO Payments Bank, HDFC Bank, HSBC Bank, Indian Bank, ICICI Bank, IDBI Bank, IDFC 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, Standard Chartered Bank, Suryoday Small Finance Bank, Syndicate Bank, Tamilnad Mercantile Bank, The Lakshmi Vilas Bank, UCO Bank, Union Bank of India, YES Bank
₹50,000	Indian Overseas Bank, Corporation Bank, Ujjivan Small Finance Bank
₹25,000	Allahabad Bank, Bank of Baroda, Equitas Small Finance Bank, India Post Payment Bank, Punjab National Bank, United Bank of India, Vijaya Bank, The Ratnakar Bank
₹20,000	Jammu and Kashmir Bank, The Nainital Bank
₹10,000	Bank of India, Jana Small Finance Bank, Punjab and Sind Bank
₹5,000	DCB Bank

How Google Pay Limits Work: Daily, Transaction, and Request Limits

Here is a brief overview of how the gpay transaction limits actually work:

Transaction Type	Situation	Explanation
Daily GPay Transaction Count Limit	Let us say you’ve completed 12 transactions by 3 PM.  If you make eight more transactions by 10 PM, you’ll hit the 20-transaction daily limit.	Once you reach the 20-transaction limit, you can’t make any more transactions until 3 PM the next day (24 hours later).
Google Pay Daily Transfer Amount Limit	You’ve already transferred ₹35,000 using another UPI app.  You want to send ₹75,000 today. However, your remaining GPay limit for the day is ₹65,000.	The total limit across all UPI apps is ₹1 lakh.
Per-Transaction Limit for New User on Google Pay	As a new user, you want to transfer ₹5,500 in one go, but the cap is ₹5,000 for the first 24 hours.  After 24 hours, the limit increases to ₹1 lakh.	Initially, the GPay transfer limit per transaction is ₹5,000 for new users. It increases to ₹1 lakh after 24 hours.

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How to Increase Your GPay Limit?

To increase your Google Pay transaction limit, you must contact your bank. The bank will review your account and may approve a higher limit if needed.

Steps to Increase Google Pay Limit:

1. Provide your bank with all necessary documents for identity verification.
2. Link your bank account to your GPay account.
3. Request a higher GPay transaction limit.
4. The bank may ask for more information and verify your details before approving the increase.

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.

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

These Gpay transaction limits vary based on user verification, regional rules, etc.

Type of Transaction	Google Pay Limit
Peer-to-Peer Transactions	₹1 lakh daily (GPay limit per day)
Merchant Payments	₹1 lakh daily (Google Pay transaction limit)
Credit Card Payments	₹2 lakh daily (GPay transfer limit)
Loan Repayments	₹2 lakh daily (Google Pay limit per day)
Capital Market Transactions	₹2 lakh daily (Google Pay daily limit)

Self-Transfer Limit in Google Pay

For self-transfers within Google Pay:

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.

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Conclusion

The end of the UPI “Collect Request” feature marks a shift towards safer, user-initiated transactions, reducing the risk of fraud. Google Pay limits remain unchanged at ₹1,00,000 per day or 20 transactions within 24 hours, depending on the bank. These limits and policy updates are not restrictions but safeguards designed to ensure smoother, more secure digital payments. 

However, you must be aware of OTP fraud when using Google Pay to send or receive money. 

GPay Transaction Limit 2025- FAQs

Source– google.com

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