Google Pay limit 2022: What is GPay transaction limit, daily transfer limit set by the banks and more


Google Pay has gained immense popularity and user base over the last couple of years. The easy to use interface, exciting rewards and cashback, and a reliable way of making UPI transactions have all made G Pay one of the most preferred payments apps. But speaking of transactions, Google Pay has limits on the number of times you can transact in a single day as well as the maximum amount of money that can be transferred. In this article, we’ll cover all the transactions limit and also be guiding you on how to can send money once the limit is reached. So without further ado, let’s dig right into it.

What is G Pay’s maximum money/ transaction limit per day?

As you may be aware, Google Pay works on the UPI (Unified Payments Interface) platform, which allows a person to person and person to merchant payments in real-time by having a stable internet connection in place. That said, just like other bank transfer modes such as NEFT and IMPS, there are restrictions on UPI as well.

The transaction limits on Google Pay are as follows –


  • Daily limit of Rs 1,00,000 –Meaning you can send up to Rs 1 lakh in a single day
  • Daily limit of maximum 10 transactions –Meaning you can perform a maximum of 10 transactions in a single day
  • Requesting Rs 2,000 or less from someone –Meaning you cannot request more than Rs 2000 in a single day

Bank limit on sending money via G Pay

Apart from Google Pay’s own money transfer limits, there are bank restrictions too which let you send only up to a fixed amount of money during a single day. So despite having sufficient funds in your bank account and yet you’re unable to make payments could be because the bank has capped a limit on the amount of money that can be sent via UPI. These bank limits vary from bank to bank, which you can find below.

NAME OF THE BANK TRANSACTION LIMIT DAILY LIMIT
Abhyudaya Co-operative Bank Rs 25,000 Rs 25,000
Adarsh Co-op Bank Ltd Rs 50,000 Rs 50,000
Aditya Birla Idea Payments Bank Rs 1,00,000 Rs 1,00,000
Airtel Payments Bank Rs 1,00,000 Rs 1,00,000
Allahabad Bank Rs 25,000 Rs 1,00,000
Allahabad UP Gramin Bank Rs 20,000 Rs 40,000
Andhra Bank Rs 1,00,000  Rs 1,00,000
Andhra Pradesh Grameena Vikas Bank Rs 25,000 Rs 1,00,000
Andhra Pragathi Grameena Bank Rs 10,000 Rs 20,000
Apna Sahakari Bank Rs 1,00,000 Rs 1,00,000
Assam Gramin VIkash Bank Rs 5,000  Rs 25,000
Axis Bank Rs 1,00,000 Rs 1,00,000
Bandhan Bank Rs 1,00,000 Rs 1,00,000
Bank Of Baroda Rs 25,000 Not set
Bank Of India Rs 10,000 Rs 1,00,000
Bank of Maharashtra Rs 1,00,000 Rs 1,00,000
Baroda Gujarat Gramin Bank Rs 25,000 Not Set
Baroda Rajasthan Kshetriya Gramin Bank Rs 25,000 Rs 25,000
Baroda Uttar Pradesh Gramin Bank Rs 25,000 Rs 25,000
Bassein Catholic Coop Bank Rs 20,000 Rs 40,000
Bhilwara Urban Co-operative Bank LTD Rs 25,000 Rs 25,000
Bihar Gramin Bank Merged with DBGB
Canara Bank Rs 10,000 Rs 25,000
Catholic Syrian Bank Rs 1,00,000 Rs 1,00,000
Central Bank of india Rs 25,000 Rs 50,000
Chaitanya Godavari Grameena Bank Rs 25,000 Rs 1,00,000
Chhattisgarh Rajya Gramin Bank Rs 25,000 Rs 1,00,000
Citibank Retail Rs 1,00,000 Rs 1,00,000
City Union Bank Rs 1,00,000 Rs 1,00,000
COASTAL LOCAL AREA BANK LTD Rs 50,000 Rs 1,00,000
Corporation Bank Rs 50,000 Rs 1,00,000
DBS Digi Bank Rs 1,00,000 Rs 1,00,000
DCB Bank Rs 5,000 Rs 5,000
Dena Bank Rs 1,00,000 Rs 1,00,000
Dena Gujarat Gramin Bank NA (Merged)
Deutsche Bank AG (Web Collect) NA
Dhanlaxmi Bank Ltd Rs 1,00,000 Rs 1,00,000
Dombivali Nagrik Sahakari Bank Rs 1,00,000 Rs 1,00,000
Equitas Small Finance Bank Rs 25,000 Rs 1,00,000
ESAF Small Finance Bank Rs 1,00,000 Rs 1,00,000
Federal Bank Rs 1,00,000 Rs 1,00,000
FINO Payments Bank Rs 1,00,000 Rs 1,00,000
G P Parsik Bank Rs 1,00,000 Rs 1,00,000
HDFC Rs 1,00,000 (Rs 5,000 for new customer) Rs 1,00,000
Himachal Pradesh Gramin Bank Rs 50,000 Rs 50,000
HSBC Rs 1,00,000 Rs 1,00,000
Hutatma Sahakari Bank Ltd Rs 1,00,000 No limit
ICICI Bank Rs 10,000 (Rs 25,000 for Google Pay users) Rs 10,000 (Rs 25,000 for Google Pay users)
IDBI Bank Rs 25,000 Rs 50,000
IDFC Rs 1,00,000 Rs 1,00,000
India Post Payment Bank Rs 25,000 Rs 50,000
Indian Bank Rs 1,00,000 Rs 1,00,000
Indian Overseas Bank Rs 10,000 Rs 20,000
IndusInd Bank Rs 1,00,0000 100000
J&K Grameen Bank Rs 20,000 Rs 20,000
Jalgaona Janata Sahkari Bank Rs 1,00,000 Rs 1,00,000
Jammu & Kashmir Bank Rs 20,000 Rs 20,000
Jana Small Finance Bank Rs 10,000 Rs 40,000
Janta Sahakari Bank Pune Rs 1,00,000 Rs 1,00,000
Jio Payments Bank Rs 1,00,000 Rs 1,00,000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd. Rs 25,000 Rs 2,00,000
Karnataka Bank Rs 1,00,000 Rs 2,00,000
Karnataka vikas Gramin Bank Rs 25,000 Rs 25,000
Karur Vysaya Bank Rs 1,00,000 Rs 1,00,000
Kashi Gomti Samyut Gramin Bank Rs 1,00,000 Rs 1,00,000
Kaveri Grameena Bank Rs 25,000 Rs 25,000
Kerala Gramin Bank Rs 20,000 Rs 20,000
Kotak Mahindra Bank Rs 1,00,000 Rs 1,00,000
Langpi Dehangi Rural Bank Rs 10,000 Rs 1,00,000
Madhya Bihar Gramin Bank Rs 25,000 Rs 1,00,000
Maharashtra Grameen Bank Rs 25,000 Rs 1,00,000
Maharashtra state co opp Bank Rs 5,000 Rs 50,000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank) Rs 10,000 Rs 25,000
Manipur Rural Bank Rs 10,000 Rs 10,000
Maratha co opp Bank Rs 1,00,000 Rs 1,00,000
Meghalaya Rural Bank Rs 1,00,000 Rs 1,00,000
Mizoram Rural Bank Rs 25,000 Rs 1,00,000
NKGSB CO-Op. Bank Ltd. Rs 20,000 Rs 40,000
Oriental Bank of Commerce Rs 1,00,000 Rs 1,00,000
Paschim Banga Gramin Bank Rs 5,000 Rs 25,000
Paytm Payments Bank Rs 1,00,000 Rs 1,00,000
Pragathi Krishna Gramin Bank Rs 20,000 Rs 20,000
Prathama Bank Rs 10,000 Rs 50,000
Punjab and Maharastra Co. bank Rs 1,00,000 Rs 1,00,000
Punjab and Sind Bank Rs 10,000 Rs 10,000
Punjab Gramin Bank Rs 10,000 Rs 25,000
Punjab National Bank Rs 25,000 Rs 50,000
Purvanchal Bank Rs 25,000 Rs 1,00,000
Rajasthan Marudhara Gramin Bank Rs 25,000 Rs 25,000
Rajkot Nagari Sahakari Bank Ltd Rs 1,00,000 Rs 1,00,000
Samruddhi Co-op bank ltd Rs 1,00,000 Rs 1,00,000
Sarva Haryana Gramin Bank Rs 50,000 Rs 1,00,000
Sarva UP Gramin Bank Rs 50,000 Rs 1,00,000
Saurashtra Gramin Bank Rs 20,000 Rs 1,00,000
Shree Kadi Nagarik Sahakari Bank Ltd. Rs 1,00,000 Rs 1,00,000
South Indian Bank Rs 1,00,000 Rs 1,00,000
Standard Chartered Rs 1,00,000 Rs 1,00,000
State Bank Of India Rs 1,00,000 Rs 1,00,000
Suco Souharda Sahakari bank Rs 1,00,000 Rs 1,00,000
Suryoday Small Finance Bank Ltd Rs 1,00,000 Rs 1,00,000
Suvarnayug Sahakari Bank ltd Rs 1,00,000 Rs 1,00,000
Syndicate Bank Rs 10,000 Rs 1,00,000
Tamilnadu Mercantile Bank Rs 20,000 Rs 1,00,000
Telangana Gramin Bank Rs 25,000 Rs 1,00,000
Telangana State Co Operative Apex Bank Rs 10,000 Rs 1,00,000
Thane Bharat Sahakari Bank Rs 1,00,000 Rs 1,00,000
The Cosmos Co-Operative Bank LTD Rs 10,000 Rs 50,000
The A.P. Mahesh Co-Operative Urban Bank Rs 25,000 Rs 25,000
The Ahmedabad District Co-operative Bank Ltd Rs 10,000 Rs 25,000
The Ahmedabad Mercantile Co-op Bank Ltd Rs 1,00,000 Rs 1,00,000
The Andhra Pradesh state cooperative Rs 10,000 Rs 1,00,000
The Baroda Central Co-operative bank ltd. Rs 15 000 Rs 1,00,000
The Gujarat State Co-operative Bank Limited Rs 50,000 Rs 1,00,000
The Hasti Co-operative Bank Ltd Rs 1,00,000 Rs 1,00,000
The Kalyan Janta Sahkari Bank Rs 1,00,000 Rs 1,00,000
The Lakshmi Vilas Bank Limited Rs 1,00,000 Rs 1,00,000
The Mahanagar Co-Op. Bank Ltd Rs 25,000 Rs 50,000
The Malad Sahakari Bank Ltd. Rs 10,000 Rs 50,000
The Mehsana Urban Co-Operative Bank 100000 100000
The Municipal Co-op Bank Ltd. Rs 5,000 Rs 50,000
The Muslim Co-Operative Bank Ltd Rs 1,00,000 Rs 1,00,000
The Nainital Bank Ltd Rs 20,000 Rs 40,000
The Ratnakar Bank Limited Rs 25,000 Rs 25,000
The Saraswat Co-Operative Bank Rs 1,00,000 Rs 1,00,000
The Surat Peoples Co Op. Bank Ltd Rs 25,000 Rs 1,00,000
The Sutex Co op Bank Rs 1,00,000 Rs 1,00,000
The SVC Co-Operative Bank Ltd Rs 10,000 Rs 20,000
The Thane Janta Sahakari Bank Ltd(TJSB) Rs 1,00,000 Rs 1,00,000
The Udaipur Mahila Samridhi Urban Co-op Bank Ltd Rs 1,00,000 Rs 1,00,000
The Udaipur Mahila Urban Co-op Bank Ltd Rs 1,00,000 Rs 1,00,000
The Urban Cooperative Bank Ltd Dharangaon Rs 20,000 Rs 25,000
The Varachha Co-op Bank Ltd. Rs 20,000 Rs 40,000
The Vijay Cooperative Bank Ltd Rs 20,000 Rs 2,00,000
The Vishweshwar Sahakari Bank Ltd Rs 1,00,000 Rs 1,00,000
Tripura Gramin Bank Rs 10,000 Rs 10,000
UCO Bank Rs 1,00,000 Rs 1,00,000
Ujjivan Small Finance Bank Limited Rs 50,000 Rs 1,00,000
Union Bank of India Rs 1,00,000 Rs 2,00,000
United Bank of India Rs 25,000 Rs 60,000
Uttarakhand Gramin Bank Rs 25,000 Rs 1,00,000
Vananchal Gramin Bank Rs 20,000 Rs 25,000
Vasai Vikas Co-op Bank Ltd Rs 1,00,000 Rs 1,00,000
Vijaya Bank Rs 25,000 Rs 50,000
YES Bank Rs 1,00,000 Rs 1,00,000

What other limits are there on Google Pay UPI transfer?

To ensure its users’ safety, Google Pay may not allow transactions to go through if its systems detect any prior suspicious activities with the receiver’s account. In such a case, Google Pay will put that particular transaction on hold and inform you about the same. This all happens behind the scenes by the app’s fraud prevention technology and artificial intelligence.


FAQs

Here are some answers to the most commonly asked questions.

How to send money in case of Google Pay UPI limit reached?

  • As the limits are on a single day basis, you can wait until the next day to send the remaining amount or choose other methods such as online net banking or NEFT
  • In case you’ve reached the request limit, you can request a smaller amount and ask the other party to send the amount in batches.

Why is there a limit on Google Pay UPI transactions?

Google Pay along with other payments apps on the UPI framework follow the guidelines laid by NCPI and RBI, which regulate the digital payments system in India.

Is there a way to increase Google Pay UPI limit?

As of now, there is no straightforward method to increase the UPI transaction limit on Google Pay. But if your business relies on UPI to make and receive payments, you can try and send an email to customer support with a valid and strong reason to increase the limit.

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