Google Pay Transaction Limit: Updated Limits For 105 Indian Banks 2022

Looking for the google pay transaction limit in India?

This blog is here to answer all your questions. Know about the google pay daily transaction limit and the maximum transaction limit in google pay which differs according to banks.

Without further ado, let’s jump right in. 

Google Pay Transaction Limit Per Day

The google pay transaction limit in one day is One Lakh INR or ₹1,00,000. However, you are allowed to send more funds after 24 hours have passed. 

To avoid fraud, google pay allows you to request a maximum of Rs. 2000 in a day through your VPA in UPI

Moreover, you can only send money a maximum of 10 times in google pay or any other UPI app.

After downloading the app, you may have to transfer  ₹1 to google pay to ensure that the setup is complete. However, the  ₹1 will be refunded back to your account. The google pay first transaction limit is also ₹1,00,000.

It is important to note that 1 lakhs INR is the total amount you can send across all UPI apps. So, your google pay transaction limit will depend on the other UPI transactions you have done in a day. 

Name of InstitutionPer Transaction Limit of Google Pay (INR) Google Pay Transaction limit Per Day (INR)Google Pay Transaction Limit Per Week (INR)Google Pay Transaction Limit Per Month (INR)
Bank Name: A P Mahesh Bank25,000100,000NANA
Bank Name: Aditya Birla Bank100000100000NANA
Bank Name: Airtel Payments1,00,0001,00,000NANA
Bank Name: Allahabad Bank25,0001,00,000 NA NA 
Bank Name: Allahabad UP Gramin25,000100,000NA NA 
Bank Name: Andhra Bank1,00,0001,00,000NANA
Bank Name: Andhra Pradesh Grameen Vikas 2500025000NANA
Bank Name: Andhra Pragathi2500025000NANA
Bank Name:Apna Sahakari100000100000No limitNo limit
Bank Name: Assam Grameen50002500050000100,000
Bank Name: Axis1,00,0001,00,000NANA
Bank Name: Bandhan 100000100000NANA
Bank Name: Bank of Baroda25,00050,000NANA
Bank Name: Bank of Maharashtra1000020000NANA
Bank Name: Baroda Gujarat Gramin25,000NANANA
Bank Name: Baroda Uttar Pradesh Gramin 25,000100,000NANA
Bank Name: Bassein2000040000NANA
Bank Name: Bihar Gramin100,000200,000NA2,000,000
Bank Name: BOI 10,000100,000NANA
Bank Name: Canara Bank100,000100,000NANA
Bank Name: Catholic Syrian Bank 1,00,0001,00,000 NANA
Bank Name: Central Bank of India2500050000NANA
Bank Name: Chaitanya Godavari Gramin Bank25,000100,000NANA
Bank Name: Chhattisgarh Rajya Gramin Bank2500025000NANA
Bank Name: Citibank 1,00,000 1,00,000 NANA
Bank Name: Corporation Bank500001,00,000NA20,00,000
Bank Name: Cosmos1000050000NANA
Bank Name: City Union Bank1,00,0001,00,000NANA
Bank Name: DBS Bank1,00,0001,00,000NANA
Bank Name: DCB BANK2500025,000NANA
Bank Name: Dena BanK 100,000 100,000NANA
Bank Name: Deutsche Bank AG100,000NANANA
Bank Name: Dhanlaxmi Bank50,0001,00,000NA1,500,000
Bank Name: Dombivli Nagri Sahakari Bank100,000100,000NANA
Bank Name: Equitas Small Finance Bank Payments Bank 1,00,0001,00,000NANA
Bank Name: Fino100000NANANA
Bank Name:  Federal bank1,00,0001,00,000 NANA
Bank Name: G P Parsik Bank500001000007000003000000
Bank Name: Gujarat State Bank2500050000NANA
Bank Name: Hasti100000100000NANA
Bank Name: HDFC Bank1,00,0001,00,000NA NA
Bank Name: HSBC Bank100000100000NANA
Bank Name: Indian Bank1,00,0001,00,000 NANA
Bank Name: ICICI Bank10,00010,000NANA
Bank Name: IDBI 25,00050,000NA NA
Bank Name: IDFC 1,00,000100,000700,0003,000,000
Bank Name: Indiusind Bank100000100000NANA
Bank Name: IndusInd Bank100000100000NANA
Bank Name: IOB50,000100,000NANA
Bank Name: Janta Sahakari Bank100000NANANA
Bank Name: Kallapanna25000100000NANA
Bank Name: Karnataka Bank 1,00,000100,000NA20,00,000
Bank Name: Karnataka Vikas2500025000NANA
Bank Name: Karur Vysya Bank1,00,0001,00,000 NANA
Bank Name: Kaveri2500025000NANA
Bank Name: Kerala Grameen Bank**10-5000050000NANA
Bank Name: Kotak bank25,00050,000NANA
Bank Name:  LVB100,000100,000700,0003,100,000
Bank Name: Langpi Dehangi2500025000NANA
Bank Name: Mahanagar Bank25,000100,000NANA
Bank Name: Maharashtra Grameen Bank2500025000NANA
Bank Name: Malwa Gramin Bank2500025000NANA
Bank Name: Meghalaya Rural Bank2500025000NANA
Bank Name: Mehasana Urban  co-operative Bank1,00,0001,00,000NANA
Bank Name: Mizoram2500025000NANA
Bank Name: NKGSB Co-Op Bank Ltd 20,00040,000NANA
Bank Name: OBC1,00,0001,00,000NANA
Bank Name: PNB100,000100,0004,00,0001,000,000
Bank Name: Punjab and Maharashtra Co- Op Bank Ltd1,00,0001,00,000NANA
Bank Name: Paytm Payments Bank100000NANANA
Bank Name: Pragathi Krishna Grameen Bank*10-2000020000NANA
Bank Name: Prathma Bank2500025000NANA
Bank Name: PSB25,00025,000NANA
Bank Name: Purvanchal Bank2500025000NANA
Bank Name: Rajasthan Marudhar2500025000NANA
Bank Name: Rajkot nagrik Bank100000100000No limitNo limit
Bank Name: RBL50000100000NANA
Bank Name: Samruddhi Co Op Bank50,00050000350000150000
Bank Name: Saraswat Co-op Bank  1,00,00050,000NANA
Bank Name: Saurashtra Gramin Bank2500025000NANA
Bank Name: SBI / State Bank of India100,000100,000NANA
Bank Name: South Indian Bank1,00,0001,00,000 NANA
Bank Name: Standard Charter Bank100000NANANA
Bank Name: Standard Chartered Bank100000100000NANA
Bank Name: SUCO SOUHARDA SAHAKARI BANK100008,00,000NANA
Bank Name: Surat People Cooperative Bank100,000100,000NANA
Bank Name: SVC Bank10,00020,000140,000600,000
Bank Name: Syndicate bank50,00050,000NANA
Bank Name: TELANGANA GRAMEENA BANK2500025000NANA
Bank Name: Thane Bharat Sahakari Bank50000100000No limitNo limit
Bank Name: Thane Janta sahakari Bank100000100000No limitNo limit
Bank Name: The Jammu and Kashmir Bank Ltd25,00025,000NA250,000
Bank Name: The Kalyan janta sahakari Bank100000100000No limitNo limit
Bank Name: The Sutex Co – Op Bank200000200000NANA
Bank Name: TMBL20,000100000NANA
Bank Name: UCO1,00,0001,00,000NA NA 
Bank Name: Ujjivan Small Finance Bank50,000100,000NANA
Bank Name: Union Bank of India1,00,000100,0005,00,00020,00,000
Bank Name: United Bank of India 100,00025,000NA NA 
Bank Name: Uttarakhand Gramin Bank2500025000NANA
Bank Name: Vananchal2500025000NANA
Bank Name: Varanchha Bank20,00040,000NANA
Bank Name: Vijaya bank50,00050,000NANA
Bank Name: Vishveshwar Co opp Bank1,00,0001,00,000NANA
Bank Name: Yes bank1,00,0001,00,000NANA

Now that we have covered the transaction limit of google pay, let’s move on to something interesting.

How To Go Beyond Google Pay Transaction Limit?

Now, the maximum transaction limit in google pay can be a hurdle for businesses.

 As a merchant, you need to accept payments in huge amounts transfer funds and multiple times a day.

Thankfully, the google pay transaction limit does not apply to peer to merchant transactions. A customer can pay a business as many funds as required. Moreover, there is no limit to the number of transactions either.

A payment gateway like Cashfree can help you accept and disburse UPI payments seamlessly. UPI payments for businesses has seen a huge spike as it has become a preferred mode of payment. In fact, Feb 2021 alone recorded 2.3 billion UPI transactions in India. Out of these transactions, Google pay had a share of 36%. 

Needless to say, businesses have a lot to gain by offering UPI as a payment mode to customers. It will decrease cart abandonment rates and increase customer satisfaction due to its ease of use. 

Having said that, let’s dive deeper. Let’s have a look at the biggest advantages of accepting and disbursing payment through UPI for businesses.

Offering Google Pay As Payment Mode To Customers

In India, more than 15 lakh websites use Google Pay as a payment mode. The reason behind it is simple. It has one of the largest customer bases in India. Moreover, it is easy to use and increases customer satisfaction with the payment process. 

A payment gateway can help you offer UPI apps like google pay after easy integration. Let’s dive deeper to understand other benefits of offering Google Pay as payment mode through a payment gateway.

Higher Profits For Businesses

A payment gateway helps you accept payments from your customers. Now, the patent gateway charges directly affect your business’ profit. 

How?

Let us explain.

A payment gateway charges you a fee on every customer transaction. This fee is known as the merchant discount rate (MDR). 

Interestingly, the merchant discount rate for UPI transactions through apps like Google Pay is 0%. As a result, it leads to higher profit for the business as there is no MDR discounted from the settlement. 

It is important to note that the payment gateway may have fixed charges on top of the MDR. These fixed charges may be the setup fee or the annual maintenance fees. However, Cashfree does not levy any setup or maintenance fees on its merchants

Swift Reconciliation

Transactions through UPI apps like Google pay are easy. However, it is even easier to reconcile them. Reconciling your payment is cross-checking every payment company payment transaction to understand the expense and profits. 

A payment gateway can help you reconcile your payment through comprehensive dashboards. These dashboards will show the date/time of the transaction, the amount, the merchant discount rate and the net settlement amount of each transaction.

Furthermore, you can filter out your transactions to create custom reports. You may filter the google pay transactions on the basis of their time period or settlement amount. 

Finally, a payment gateway dashboard also offers payment analytics. This can help you understand your past transactions and estimate your cash flow accurately. This can help small and medium businesses in business forecasting and chalking out a future plan.

No Transaction Limit in Google Pay

We already know that NPCI has set a google Pay transaction limit in India. The P2P (customer to customer) limit is 1Lakhs. Moreover, you can only send money 10 times a day. 

However, if you are accepting or sending payments for your business, these limits do not exist.

You can make any amount of transactions through a payment gateway. Cashfree also allows you to set your pwn transaction limits in terms of amount and frequency.

Interestingly, a payment gateway can also help you offer recurring bill options to your customers. They can choose to make repeat payments through UPI apps like Google Pay, Phone Pe, Paytm and more.