Google Pay

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 BANKTRANSACTION LIMITDAILY LIMIT
Abhyudaya Co-operative BankRs 25,000Rs 25,000
Adarsh Co-op Bank LtdRs 50,000Rs 50,000
Aditya Birla Idea Payments BankRs 1,00,000Rs 1,00,000
Airtel Payments BankRs 1,00,000Rs 1,00,000
Allahabad BankRs 25,000Rs 1,00,000
Allahabad UP Gramin BankRs 20,000Rs 40,000
Andhra BankRs 1,00,000 Rs 1,00,000
Andhra Pradesh Grameena Vikas BankRs 25,000Rs 1,00,000
Andhra Pragathi Grameena BankRs 10,000Rs 20,000
Apna Sahakari BankRs 1,00,000Rs 1,00,000
Assam Gramin VIkash BankRs 5,000 Rs 25,000
Axis BankRs 1,00,000Rs 1,00,000
Bandhan BankRs 1,00,000Rs 1,00,000
Bank Of BarodaRs 25,000Not set
Bank Of IndiaRs 10,000Rs 1,00,000
Bank of MaharashtraRs 1,00,000Rs 1,00,000
Baroda Gujarat Gramin BankRs 25,000Not Set
Baroda Rajasthan Kshetriya Gramin BankRs 25,000Rs 25,000
Baroda Uttar Pradesh Gramin BankRs 25,000Rs 25,000
Bassein Catholic Coop BankRs 20,000Rs 40,000
Bhilwara Urban Co-operative Bank LTDRs 25,000Rs 25,000
Bihar Gramin BankMerged with DBGB
Canara BankRs 10,000Rs 25,000
Catholic Syrian BankRs 1,00,000Rs 1,00,000
Central Bank of indiaRs 25,000Rs 50,000
Chaitanya Godavari Grameena BankRs 25,000Rs 1,00,000
Chhattisgarh Rajya Gramin BankRs 25,000Rs 1,00,000
Citibank RetailRs 1,00,000Rs 1,00,000
City Union BankRs 1,00,000Rs 1,00,000
COASTAL LOCAL AREA BANK LTDRs 50,000Rs 1,00,000
Corporation BankRs 50,000Rs 1,00,000
DBS Digi BankRs 1,00,000Rs 1,00,000
DCB BankRs 5,000Rs 5,000
Dena BankRs 1,00,000Rs 1,00,000
Dena Gujarat Gramin BankNA (Merged)
Deutsche Bank AG (Web Collect)NA
Dhanlaxmi Bank LtdRs 1,00,000Rs 1,00,000
Dombivali Nagrik Sahakari BankRs 1,00,000Rs 1,00,000
Equitas Small Finance BankRs 25,000Rs 1,00,000
ESAF Small Finance BankRs 1,00,000Rs 1,00,000
Federal BankRs 1,00,000Rs 1,00,000
FINO Payments BankRs 1,00,000Rs 1,00,000
G P Parsik BankRs 1,00,000Rs 1,00,000
HDFCRs 1,00,000 (Rs 5,000 for new customer)Rs 1,00,000
Himachal Pradesh Gramin BankRs 50,000Rs 50,000
HSBCRs 1,00,000Rs 1,00,000
Hutatma Sahakari Bank LtdRs 1,00,000No limit
ICICI BankRs 10,000 (Rs 25,000 for Google Pay users)Rs 10,000 (Rs 25,000 for Google Pay users)
IDBI BankRs 25,000Rs 50,000
IDFCRs 1,00,000Rs 1,00,000
India Post Payment BankRs 25,000Rs 50,000
Indian BankRs 1,00,000Rs 1,00,000
Indian Overseas BankRs 10,000Rs 20,000
IndusInd BankRs 1,00,0000100000
J&K Grameen BankRs 20,000Rs 20,000
Jalgaona Janata Sahkari BankRs 1,00,000Rs 1,00,000
Jammu & Kashmir BankRs 20,000Rs 20,000
Jana Small Finance BankRs 10,000Rs 40,000
Janta Sahakari Bank PuneRs 1,00,000Rs 1,00,000
Jio Payments BankRs 1,00,000Rs 1,00,000
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.Rs 25,000Rs 2,00,000
Karnataka BankRs 1,00,000Rs 2,00,000
Karnataka vikas Gramin BankRs 25,000Rs 25,000
Karur Vysaya BankRs 1,00,000Rs 1,00,000
Kashi Gomti Samyut Gramin BankRs 1,00,000Rs 1,00,000
Kaveri Grameena BankRs 25,000Rs 25,000
Kerala Gramin BankRs 20,000Rs 20,000
Kotak Mahindra BankRs 1,00,000Rs 1,00,000
Langpi Dehangi Rural BankRs 10,000Rs 1,00,000
Madhya Bihar Gramin BankRs 25,000Rs 1,00,000
Maharashtra Grameen BankRs 25,000Rs 1,00,000
Maharashtra state co opp BankRs 5,000Rs 50,000
Malwa Gramin Bank (Bank merged with Punjab Gramin Bank)Rs 10,000Rs 25,000
Manipur Rural BankRs 10,000Rs 10,000
Maratha co opp BankRs 1,00,000Rs 1,00,000
Meghalaya Rural BankRs 1,00,000Rs 1,00,000
Mizoram Rural BankRs 25,000Rs 1,00,000
NKGSB CO-Op. Bank Ltd.Rs 20,000Rs 40,000
Oriental Bank of CommerceRs 1,00,000Rs 1,00,000
Paschim Banga Gramin BankRs 5,000Rs 25,000
Paytm Payments BankRs 1,00,000Rs 1,00,000
Pragathi Krishna Gramin BankRs 20,000Rs 20,000
Prathama BankRs 10,000Rs 50,000
Punjab and Maharastra Co. bankRs 1,00,000Rs 1,00,000
Punjab and Sind BankRs 10,000Rs 10,000
Punjab Gramin BankRs 10,000Rs 25,000
Punjab National BankRs 25,000Rs 50,000
Purvanchal BankRs 25,000Rs 1,00,000
Rajasthan Marudhara Gramin BankRs 25,000Rs 25,000
Rajkot Nagari Sahakari Bank LtdRs 1,00,000Rs 1,00,000
Samruddhi Co-op bank ltdRs 1,00,000Rs 1,00,000
Sarva Haryana Gramin BankRs 50,000Rs 1,00,000
Sarva UP Gramin BankRs 50,000Rs 1,00,000
Saurashtra Gramin BankRs 20,000Rs 1,00,000
Shree Kadi Nagarik Sahakari Bank Ltd.Rs 1,00,000Rs 1,00,000
South Indian BankRs 1,00,000Rs 1,00,000
Standard CharteredRs 1,00,000Rs 1,00,000
State Bank Of IndiaRs 1,00,000Rs 1,00,000
Suco Souharda Sahakari bankRs 1,00,000Rs 1,00,000
Suryoday Small Finance Bank LtdRs 1,00,000Rs 1,00,000
Suvarnayug Sahakari Bank ltdRs 1,00,000Rs 1,00,000
Syndicate BankRs 10,000Rs 1,00,000
Tamilnadu Mercantile BankRs 20,000Rs 1,00,000
Telangana Gramin BankRs 25,000Rs 1,00,000
Telangana State Co Operative Apex BankRs 10,000Rs 1,00,000
Thane Bharat Sahakari BankRs 1,00,000Rs 1,00,000
The Cosmos Co-Operative Bank LTDRs 10,000Rs 50,000
The A.P. Mahesh Co-Operative Urban BankRs 25,000Rs 25,000
The Ahmedabad District Co-operative Bank LtdRs 10,000Rs 25,000
The Ahmedabad Mercantile Co-op Bank LtdRs 1,00,000Rs 1,00,000
The Andhra Pradesh state cooperativeRs 10,000Rs 1,00,000
The Baroda Central Co-operative bank ltd.Rs 15 000Rs 1,00,000
The Gujarat State Co-operative Bank LimitedRs 50,000Rs 1,00,000
The Hasti Co-operative Bank LtdRs 1,00,000Rs 1,00,000
The Kalyan Janta Sahkari BankRs 1,00,000Rs 1,00,000
The Lakshmi Vilas Bank LimitedRs 1,00,000Rs 1,00,000
The Mahanagar Co-Op. Bank LtdRs 25,000Rs 50,000
The Malad Sahakari Bank Ltd.Rs 10,000Rs 50,000
The Mehsana Urban Co-Operative Bank100000100000
The Municipal Co-op Bank Ltd.Rs 5,000Rs 50,000
The Muslim Co-Operative Bank LtdRs 1,00,000Rs 1,00,000
The Nainital Bank LtdRs 20,000Rs 40,000
The Ratnakar Bank LimitedRs 25,000Rs 25,000
The Saraswat Co-Operative BankRs 1,00,000Rs 1,00,000
The Surat Peoples Co Op. Bank LtdRs 25,000Rs 1,00,000
The Sutex Co op BankRs 1,00,000Rs 1,00,000
The SVC Co-Operative Bank LtdRs 10,000Rs 20,000
The Thane Janta Sahakari Bank Ltd(TJSB)Rs 1,00,000Rs 1,00,000
The Udaipur Mahila Samridhi Urban Co-op Bank LtdRs 1,00,000Rs 1,00,000
The Udaipur Mahila Urban Co-op Bank LtdRs 1,00,000Rs 1,00,000
The Urban Cooperative Bank Ltd DharangaonRs 20,000Rs 25,000
The Varachha Co-op Bank Ltd.Rs 20,000Rs 40,000
The Vijay Cooperative Bank LtdRs 20,000Rs 2,00,000
The Vishweshwar Sahakari Bank LtdRs 1,00,000Rs 1,00,000
Tripura Gramin BankRs 10,000Rs 10,000
UCO BankRs 1,00,000Rs 1,00,000
Ujjivan Small Finance Bank LimitedRs 50,000Rs 1,00,000
Union Bank of IndiaRs 1,00,000Rs 2,00,000
United Bank of IndiaRs 25,000Rs 60,000
Uttarakhand Gramin BankRs 25,000Rs 1,00,000
Vananchal Gramin BankRs 20,000Rs 25,000
Vasai Vikas Co-op Bank LtdRs 1,00,000Rs 1,00,000
Vijaya BankRs 25,000Rs 50,000
YES BankRs 1,00,000Rs 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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