Explainer: Why your UPI transaction limit differs from your friend's
Technology
Ever wondered why you and your friends have different limits on Google Pay, PhonePe, or Paytm?
It's not random—your bank decides these caps based on their own policies, how they assess risk, and even your customer profile.
So, two people using the same app might have totally different daily or per-transaction limits.
How to check or change your limit
Want to see or tweak your UPI limit? Just open your bank's app and look for the UPI or fund transfer section.
Some banks offer a "Manage UPI limits" feature that updates across all linked apps.
Heads up: If you make changes, you'll likely need to enter your UPI PIN.
Banks might lower limits for safety
Banks might also lower your limit if they spot suspicious activity or notice you're using a new device—just their way of keeping things safe.