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UPI Money Transfer Charges in 2025:Unified Payments Interface (UPI) continues to lead India’s digital payment method in 2025, with over 1200 crore monthly transactions. But with growing usage comes evolving regulations. Whether you’re a casual user or a merchant, understanding the latest UPI money transfer charges in 2025 is essential to avoid any loss in your payment.
Whether you’re an user of Google Pay, Amazon Pay, PhonePe, Paytm, or BHIM, these updates will impact your daily UPI transations.
Points to note UPI Charges in 2025
Free for most users: Peer-to-peer (P2P) transactions under ₹2,000 remain free of charge.
Interchange fees introduced: Charges now apply to certain merchant transactions and wallet-based payments.
Sector-specific rates: Fees vary depending on the nature of the transaction insurance, education, fuel, shopping etc.
| Transaction Type | Charge (%) | Applicable Conditions |
| Peer-to-peer (P2P) under ₹2,000 | 0% | Free for individuals |
| Mall purchases | 0.9% | Applies to merchant transactions |
| Insurance, mutual funds, railways | 1% | Includes government services |
| Fuel payments | 0.5% | Sector-specific fee |
| Education, utilities, telecom | 0.7% | Applies to verified merchants |
| Wallet-based UPI (PPI) over ₹2,000 | Varies | Interchange fee based on merchant category |
UPI Transaction Limits in 2025
Daily Limit: ₹1 lakh for most users three
Higher Limits: ₹2 lakh for capital markets, insurance, and foreign remittances
Special Cases: ₹5 lakh for verified merchants in education and healthcare
Bank-level limits vary from bank to bank:
Axis, ICICI, SBI, HDFC: ₹1,00,000/day
PNB: ₹50,000/day
Union Bank: ₹2,00,000/day
New Rules UPI Money Transfer Charges
Balance Check Limit: Max 50 checks/day per app
Auto-Debit Timing: Only processed during non-peak hours (before 10 AM and after 9:30 PM)
Payee Name Display: Mandatory before completing a transaction
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