UPI (Unified Payments Interface)** People are complaining in large numbers due to UPI service being down. Due to which the complaints have increased. And UPI is the largest and most popular payment system in India. Transactions could not be done on Google Pay, Paytm, and other apps because the Upi network failed for the third time in the same month on 12 April 2025. In this article, we will discuss:
- What is UPI?
- UPI transaction limit per day
- UPI limitations
- Best UPI payment apps 2025
Now and first of all we will understand what is UPI
What is UPI?
UPI was launched in 2016. The full form of NPCI (National Payments Corporation of India), UPI is an instant real-time payment system. Through this system, users can transfer money directly from the bank. Meaning UPI gives the user the facility to transfer money directly through mobile apps.
Key Features
- – 24/7 availability
- – Zero cost for peer-to-peer (P2P) transfers
- – Single app for multiple bank accounts
- – UPI ID (e.g., username@bankname)
Per Day (2025 Update)
Daily transaction limits on UPI may vary depending on the bank and app, but as per NPCI guidelines:
| Transaction Type | Monthly Limit | Monthly Limit | |
| P2P Transfer (Individuals) | ₹1 Lakh per tx | ₹2 Lakh (Basic A/C) | |
| Merchant Payments | ₹1 Lakh per tx | No monthly cap | |
| UPI Lite (Small Payments) | ₹500 per tx |
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Note
- ₹25,000 per transaction limit is imposed by some banks like SBI and HDFC
- – Up to ₹15,000. Monthly limit of UPI AutoPay (subscriptions)
UPI Limitations:
UPI bahut useful hai, lekin iski kuch limitations bhi hain:
| | **Pros of UPI** | **Cons of UPI** | |
| | Instant transfers 24/7 | Frequent outages (like today) | |
| | Zero transaction fees | Security risks (phishing scams)| |
| | Easy to use with mobile number | Daily/monthly transaction caps | |
| | Multiple bank linking | App-specific glitches | |
**Recent Issues**:
- – **12 April 2025 Outage**: 1,168+ complaints on DownDetector.
- – **2 April 2025**: 514 complaints, NPCI ne “network latency” issue bataya.
- – **26 March 2025**: 3,000+ complaints, UPI down for 3 hours.
**Top 5 UPI Payment Apps 2025: Which App is Best?**
UPI apps ke bina UPI ka use nahi ho sakta. Yahan hai top apps ki list:
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| Google Pay | Rewards, Bill payments, Investments | ₹1 Lakh per tx | |||
| PhonePe | Insurance, Gold buy, Rent payment | ₹1 Lakh per tx | |||
| Paytm | Wallet, FASTag, Travel bookings |
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| BHIM | Govt-backed, No ads | ₹20,000 per tx | |||
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UPI + Shopping rewards | ₹1 Lakh per tx |
**Note**: KYC-complete users get higher limits.
## **UPI Outages: Why does it happen?**
This has happened due to technical glitches and server overload. This is the reason given by NPCI for the recent outages. The system is sometimes not able to handle it. Because 40 crore+ transactions happen on UPI every day,
**Expert Opinion**:
Amitabh Tiwari (Fintech Analyst): By 2025 we will have to be ready for 100 crore daily transactions.” and “There is a need to upgrade the UPI infrastructure.
## **FAQs: Questions related to UPI**
**Q1. How much money can you transfer in a day on UPI?**
- A1. ₹1 lakh per transaction and ₹2 lakh monthly for basic UPI accounts. There is no limit on merchant payments.
**Q2. When does the money get refunded if a UPI payment fails?**
- A2. Generally the amount gets auto-refunded within 3-5 working days.
**Q3. Can international payments be made on UPI?**
- A3. Not yet. UPI is only for India.
Conclusion: UPI is good, but
UPI has revolutionized digital payments in India, however frequent outages and security risks are eroding its credibility. If you are confused about **UPI transaction limit per day** or choosing **UPI apps**, then PhonePe and Google Pay are the best options. NPCI should resolve these technical issues quickly so that the dream of “Digital India” is fulfilled!
What is your thinking?
- Have you also had to face UPI outages? Share your experiences in the comments!
Source Link
NPCI Official UPI Guide (Features, Functionality):
RBI Guidelines on UPI:
NPCI Statement on Recent Outages