State Bank of India (SBI) is one of the largest banks in India, offering seamless digital payment solutions through UPI (Unified Payments Interface). SBI UPI allows customers to make quick, secure, and hassle-free transactions. However, the bank imposes certain limits on UPI transactions for security reasons. If you’re looking to understand the SBI UPI limit and how to increase it, this article will guide you step by step.
SBI UPI Transaction Limits
SBI has set specific UPI limits to prevent fraud and unauthorized transactions. Here’s a breakdown of the current UPI transaction limits:
| Limit Type | Amount |
|---|---|
| Per Transaction Limit | ₹1,00,000 |
| Daily Transaction Limit | ₹1,00,000 |
| Number of Transactions Per Day | 20 |
| New User Restriction | ₹5,000 (for the first 24 hours after UPI registration) |
These limits apply to transactions done via SBI YONO, YONO Lite, SBI Pay, BHIM UPI, and other third-party UPI apps linked to SBI accounts.
How to Increase SBI UPI Limit?
If you need to transfer a higher amount using SBI UPI, you can increase the limit using the following methods:
1. Increase SBI UPI Limit Using SBI YONO App
- Open the SBI YONO app and log in.
- Go to YONO Pay and select UPI Transactions.
- Tap on Manage UPI Transaction Limit.
- Choose the desired transaction limit.
- Authenticate using your MPIN.
- Your new UPI limit will be updated within 24 hours.
2. Increase SBI UPI Limit Using SBI Internet Banking
- Visit SBI Net Banking at https://retail.onlinesbi.sbi.
- Log in with your username and password.
- Navigate to My Accounts & Profile > Profile > Define Limit for UPI.
- Enter your desired UPI transaction limit.
- Authenticate using the OTP sent to your registered mobile number.
- Your new limit will be updated successfully.
3. Increase SBI UPI Limit Using SBI YONO Lite Mobile Banking
- Open the SBI YONO Lite app and log in.
- Navigate to UPI & BHIM Settings.
- Select Set Transaction Limit.
- Enter your preferred UPI limit and confirm with OTP.
4. Increase SBI UPI Limit Visiting SBI Branch
If you need a higher UPI limit beyond the digital settings, visit your SBI home branch and request a limit increase by filling out the required forms. Ensure you carry your valid ID proof and account details.
Frequently Asked Questions (FAQs) on SBI UPI Limit
1. What is the maximum SBI UPI transaction limit per day?
The maximum SBI UPI transaction limit is ₹1,00,000 per day.
2. How can I check my SBI UPI transaction limit?
You can check your UPI limit through the SBI YONO app, YONO Lite, or SBI Net Banking under UPI settings.
3. Why is my SBI UPI limit restricted to ₹5,000?
If you have recently registered for UPI, SBI imposes a ₹5,000 limit for the first 24 hours for security reasons. It automatically increases after this period.
4. How long does it take to update the UPI limit in SBI?
Any changes to the UPI transaction limit usually take up to 24 hours to reflect.
5. Can I increase my SBI UPI limit beyond ₹1,00,000?
No, as per RBI guidelines, the maximum limit for UPI transactions in SBI is ₹1,00,000 per day.
SBI UPI is a convenient and secure way to make digital payments. However, transaction limits may sometimes restrict users from making high-value transfers. By following the methods mentioned above, you can easily increase your UPI limit within SBI’s prescribed limits. If you need further assistance, contact SBI customer care at 1800 425 3800 or visit your nearest SBI branch.