State Bank of IndiaBank transaction-limit profile
SBI Banking Transaction Limits
A normalized SBI limit profile spanning OnlineSBI/YONO transfer aggregates, new-beneficiary cooling, ordinary UPI, named debit-card ceilings and ATM cash controls.
First-party evidencePublished researchReviewed September 10, 2026Active
Product / channel scopeLimits apply only to the exact eligible account, card, customer segment and digital channel named by the source; a bank relationship does not make every listed ceiling available.
Current transaction controlsOnline third-party transfers can be configured up to ₹25 lakh/day, while IMPS, UPI, debit-card and temporary security states impose their own lower controls.
Fee separationTransaction limits themselves are not fees. Use the separate Banking Fees & Charges layer for pricing; this profile only normalizes amount, count, cooling and channel controls.
Product / channel / security-state relationshipResearch overlay only. Each row points back to the underlying bank product/channel and does not alter product eligibility, fees or system-level RBI/NPCI rules.
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
5 first-party sources
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: November 9, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
Bank transaction-limit profile evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
Normalized transaction-limit map
The number is only useful when its channel, period and security state match.
Per-transaction, daily, count, product and temporary cooling limits stay separate. Reviewed September 10, 2026.
Limit scopeRetail SBI transaction controls across OnlineSBI/YONO/YONO Lite, UPI, named debit-card variants and ATM/ADWM cash services.
Online / mobile aggregateOnline third-party transfers use a customer-set aggregate ceiling up to ₹25 lakh/day; individual rails can be lower.
UPI controlsOrdinary post-cooling P2P/P2M is ₹1 lakh per transaction/day with 20 P2P transactions per 24 hours; higher special-category ceilings are not reused as ordinary UPI.
NEFT / RTGS / IMPSIMPS is ₹5 lakh per transaction and the daily aggregate is constrained by the lower of ₹25 lakh and the customer-set third-party limit.
Beneficiary / first-use stateNew beneficiary: activation timing plus ₹5 lakh aggregate during the first four days.
Debit-card limitsNamed card variants remain separate: Platinum ₹1 lakh ATM/₹2 lakh POS-online; Global ₹40,000 ATM/₹75,000 POS-online.
ATM / cash withdrawalUPI QR Cash/ICCW up to ₹10,000/day through at most two transactions; other ATM/card limits remain variant-specific.
Cash-deposit ceilingsCash-deposit ceilings remain in the ATM/cash-service profile rather than being inferred as a universal Savings-account limit.
Effective-date ruleRows use currently reviewed SBI sources as of 10 September 2026; older SBI Anywhere limits are not promoted over newer OnlineSBI/YONO evidence.
Conflicts / scope warningsNo system-level RBI/NPCI ceiling is treated as an SBI customer guarantee; source-scoped channel/product ceilings control.
| Scope / channel | Limit rule | Period / state |
|---|---|---|
| Retail third-party transfer aggregate · OnlineSBI / YONO / YONO Lite | Customer-set third-party transfer limit can be set up to ₹25 lakh/day; actual usable amount is the lower of the set limit and rail/product controls. | per day · Current |
| New beneficiary · OnlineSBI / YONO | Beneficiary activates within 1 hour when OTP-approved 6 AM–8 PM; later approvals activate after 6 AM next day. During first 4 days, total transfers to that beneficiary are capped at ₹5 lakh. | first 4 days after activation · Current |
| IMPS Account+IFSC/MMID beneficiary · OnlineSBI / YONO / YONO Lite | ₹5 lakh per IMPS transaction; cumulative online outward amount up to ₹25 lakh/day or customer-set third-party limit, whichever is lower. | per transaction + per day · Current |
| Ordinary UPI P2P/P2M · YONO SBI / BHIM SBI Pay / supported UPI | ₹1 lakh per transaction and ₹1 lakh per day after cooling; maximum 20 P2P transactions per 24 hours. | rolling 24 hours · Current |
| UPI PIN set/reset · UPI-enabled SBI account | Android: ₹5,000 maximum/cumulative during first 24 hours. iOS: ₹5,000/day for first five days. | first 24h Android / first 5 days iOS · Current |
| SBI Platinum International Debit Card · ATM | ₹1 lakh maximum domestic ATM cash withdrawal/day. | per day · Current |
| SBI Platinum International Debit Card · POS / online | ₹2 lakh maximum domestic POS/online transactions/day. | per day · Current |
| SBI Global International Debit Card · ATM / POS / online | ₹40,000 ATM withdrawal/day and ₹75,000 POS/online/day domestically. | per day · Current |
| UPI QR Cash / ICCW · SBI ATM/ADWM | Up to ₹10,000/day through at most 2 UPI QR Cash/ICCW transactions. | per day · Current |
Maintained terms
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Fee separationTransaction limits themselves are not fees. Use the separate Banking Fees & Charges layer for pricing; this profile only normalizes amount, count, cooling and channel controls.
Product / channel scopeLimits apply only to the exact eligible account, card, customer segment and digital channel named by the source; a bank relationship does not make every listed ceiling available.
Normalized limit coverageOne evidence-backed overlay for transfer, UPI, card/ATM, cash-deposit and temporary security limits without duplicating the underlying product pages.
Current transaction controlsOnline third-party transfers can be configured up to ₹25 lakh/day, while IMPS, UPI, debit-card and temporary security states impose their own lower controls.
Who / what the limits apply toEligible customers of the named bank using the specific account/card/channel and transaction type documented in each ledger row.
Product / channel / security-state relationshipResearch overlay only. Each row points back to the underlying bank product/channel and does not alter product eligibility, fees or system-level RBI/NPCI rules.
Fit & cautions
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
SBI customers who need the exact transaction/channel limit rather than a single misleading bankwide maximum.
- ₹25 lakh is an overall configurable digital third-party ceiling, not a guaranteed limit for every rail or account.
- New-beneficiary and UPI first-use restrictions are temporary security states and must not be compared with steady-state limits.
- Debit-card limits belong to the exact card variant.
Maintained comparisons
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
Decision checks
Digital aggregateUPIBank transfers
First-party source ledger
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
01
Primary product / service sourcecorp.sbi.bank.in
Open source ↗02Additional first-party evidencesbi.bank.in
Open source ↗03Additional first-party evidencesbi.bank.in
Open source ↗04Additional first-party evidencesbi.bank.in
Open source ↗05Additional first-party evidencesbi.bank.in
Open source ↗Current-use rule
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
Research boundary
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.