From September 15, 2025, India’s Unified Payments Interface (UPI) service will allow much larger payments for certain merchants. The National Payments Corporation of India (NPCI) has raised several transaction limits, particularly for high‑value sectors like insurance, investments, travel, and credit card bills.

What Is Changing?

P2M (Person‑to‑Merchant) Transactions: For merchants who are verified and fall under specific categories, users will now be able to make up to Rs. 5 lakh per transaction in many cases, with a daily cap of Rs 10 lakh. Fintech experts have welcomed these changes, highlighting the potential of digital adoption in under penetrated high-value segments. Akash Sinha, CEO & Co-founder of Cash free Payments, said the move is timely. “Raising UPI limits to Rs 5 lakh per

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