Does your UPI payment fail again and again, especially when you are sending a large amount? Most of us blame it on apps like Google Pay, PhonePe, or Paytm, but the truth is different. Actually, the limit for sending money is not decided by the app but by your bank. These apps simply follow the rules of your bank. Many people are not aware of this limit of their bank, due to which their transaction fails at the last moment. Let us know how you can know your limit and how to increase it. How to know and increase your UPI limit? Every bank decides its UPI limit by looking at the risk profile of its customer, old transaction records and account activity. The easiest way to know your limit is to login to your bank’s official mobile app and look in the UPI or fund transfer section there. Sometimes due to security reasons, like changing phone or SIM, resetting the UPI PIN or not doing any transaction for a long time, the bank automatically reduces your limit. What is the process to increase the limit? If you want to increase your limit, then first search for the option to increase the limit on your bank’s app or website. Many big banks have an option like ‘Manage UPI limits’ in their apps. By submitting a request from here, if the bank finds your profile correct, your increased limit will immediately be visible in apps like PhonePe and Google Pay. However, if the bank’s risk policy is very strict, the limit will not increase immediately. Security reasons and some limitations To protect against online fraud, banks sometimes put a temporary ban on very large payments. Even if you have logged in from a new device or are sending money to a new person for the first time, it may take some time for the limit to increase. During festivals or sale times, when online transactions are very high, banks are also at risk of fraud. To avoid this, you can temporarily reduce the limit. What to do if the limit does not increase? If you are not able to increase the limit through any payment app (like Google Pay or PhonePe), then try directly through your bank’s app, chances of success are higher from there. If you have to send a huge amount (like more than Rs 1 lakh), then using IMPS or RTGS through your bank’s net banking instead of UPI is an easier and better option. Therefore, next time before making a big payment, it is important to understand your UPI limit so that your work can be done without any hassle.