Banking Transaction Limits in India

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12of 12 profiles shown

AU Small Finance BankBank transaction-limit profile

AU Small Finance Bank Transaction Limits

A normalized AU Small Finance Bank limit profile covering the shared AU 0101 transfer table, new-payee and one-time controls, UPI device cooling, payment-gateway limits and card/cash scope.

First-party checked6 bank sourcesReviewed September 10, 2026

Balance ruleLimits depend on the exact AU account/card variant and configured AU 0101 customer controls; customer-set values can be lower than published maxima.

Best fitAU customers who want the exact retail AU 0101, UPI, debit-card and new-payee limit rather than a generic ₹10 lakh digital ceiling.

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Axis BankBank transaction-limit profile

Axis Bank Transaction Limits

A normalized Axis Bank limit profile covering open app retail/Burgundy ceilings, first-use/device-change restrictions, UPI, IMPS and named debit-card limits.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleLimits 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.

Best fitAxis customers who need to distinguish steady-state app ceilings from temporary registration/device restrictions and card/rail caps.

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Bank of BarodaBank transaction-limit profile

Bank of Baroda Transaction Limits

A normalized Bank of Baroda profile separating bob World mobile, bob World Internet Banking, bob e-Pay UPI, RuPay Platinum Debit and Cash Recycler ceilings.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleLimits 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.

Best fitBank of Baroda customers comparing mobile versus web transfer limits and the separate UPI/card/cash-recycler controls.

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Canara BankBank transaction-limit profile

Canara Bank Transaction Limits

A normalized Canara Bank profile covering ai1 aggregate/interbank limits, staged new-user/beneficiary cooling, detailed UPI use cases and named debit-card ceilings.

First-party checked3 bank sourcesReviewed September 10, 2026

Balance ruleLimits 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.

Best fitCanara customers who need the correct first-day/beneficiary state and exact UPI/card use case before sending or spending.

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Federal BankBank transaction-limit profile

Federal Bank Transaction Limits

A normalized Federal Bank limit profile spanning the December 2025 FedNet slab revamp, FedMobile limit-management/cooling, UPI first-use controls and named debit-card ceilings.

First-party checked9 bank sourcesReviewed September 10, 2026

Balance ruleFedNet/FedMobile limits depend on limit scheme, account/programme and customer-set controls; Celesta/premium limits cannot be generalized to Base/Standard customers.

Best fitFederal Bank customers who need to distinguish their FedNet limit scheme, FedMobile customer-set limit, UPI first-use state and card variant.

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HDFC BankBank transaction-limit profile

HDFC Bank Transaction Limits

A normalized HDFC Bank limit profile covering TPT, beneficiary security stages, RTGS/IMPS, UPI, Platinum Debit Card and Cash Deposit Machine ceilings.

First-party checked6 bank sourcesReviewed September 10, 2026

Balance ruleLimits 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.

Best fitHDFC customers comparing mobile/NetBanking, UPI, card and cash-deposit limits with the correct security state attached.

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ICICI BankBank transaction-limit profile

ICICI Bank Transaction Limits

A normalized ICICI Bank limit profile covering iMobile/Net Banking aggregates, segment-based payee limits, IMPS/NEFT/RTGS bands, Wealth Debit and cardless cash.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleLimits 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.

Best fitICICI customers who need segment, time-window and channel context before relying on a published transaction maximum.

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IDFC FIRST BankBank transaction-limit profile

IDFC FIRST Bank Transaction Limits

A normalized IDFC FIRST limit profile covering Internet Banking transfer ceilings, staged beneficiary activation, UPI merchant scope and exact debit-card variant limits.

First-party checked5 bank sourcesReviewed September 10, 2026

Balance ruleThe usable limit depends on the exact account/card, customer-set Limit Management value and transaction route; overall Internet Banking capacity does not override a lower rail/card limit.

Best fitIDFC FIRST customers comparing a high overall online-transfer ceiling with lower per-rail, first-beneficiary and debit-card controls.

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IndusInd BankBank transaction-limit profile

IndusInd Bank Transaction Limits

A normalized IndusInd limit profile covering the upgraded ₹10 lakh mobile-transfer ceiling, limit-increase cooling, conflicting first-day restrictions, UPI use cases and premium debit-card maxima.

First-party checked7 bank sourcesReviewed September 10, 2026

Balance ruleUsable amounts depend on the exact IndusMobile/INDIE/IndusNet channel, account scheme and debit-card variant.

Best fitIndusInd customers who need to know whether they are in a normal, new-device, UPI, beneficiary or premium-card state before relying on a limit.

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Kotak Mahindra BankBank transaction-limit profile

Kotak Mahindra Bank Transaction Limits

A normalized Kotak transaction-limit profile covering segment-based CRN transfer ceilings, beneficiary cooling, one-time transfers, UPI count conflicts, debit-card limits and scheme-scoped cash handling.

First-party checked7 bank sourcesReviewed September 10, 2026

Balance ruleLimits depend on the exact CRN/customer segment, account/card variant and digital channel; 811, 811 Super, Regular and Privy/Wealth/Solitaire/NRI ceilings are not interchangeable.

Best fitKotak customers who need to match their Privy/Wealth/Regular/811 segment, transfer route and recent device or beneficiary state before relying on a headline limit.

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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 checked5 bank sourcesReviewed September 10, 2026

Balance ruleLimits 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.

Best fitSBI customers who need the exact transaction/channel limit rather than a single misleading bankwide maximum.

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YES BANKBank transaction-limit profile

YES BANK Transaction Limits

A normalized YES BANK limit profile covering current IMPS/UPI values, customer-set Internet/Mobile controls, product-specific debit-card maxima and live-source conflicts.

First-party checked9 bank sourcesReviewed September 10, 2026

Balance ruleYES BANK limits are customer-, product-, channel- and card-specific; YES FIRST/Premia/Prosperity/Digital account limits cannot be generalized bankwide.

Best fitYES BANK customers who need to distinguish current rail-specific limits from older live YES ONLINE documentation and card/account-specific controls.

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How to compare

Check the terms that can change the decision.

Category membership alone does not make products interchangeable. Recheck the bank's current controlling agreement, tariff or effective-rate table before acting.

Scope before amount

Match bank, account/card, transaction rail, app/web/ATM/CDM channel and customer segment before using a published number.

Per transaction is not per day

Store per-transaction maximum, daily aggregate, rolling 24-hour count and monthly/weekly controls as separate dimensions.

System capacity is not a customer limit

RBI/NPCI rail ceilings do not override a lower bank, issuer, account, app or customer-set risk limit.

Cooling is temporary

New beneficiary, new device, app re-registration and UPI first-use restrictions remain temporary security states rather than the product steady-state limit.

Card, ATM and machine limits differ

A debit-card daily withdrawal ceiling, ATM machine dispensing cap and account cash-withdrawal allowance answer different questions.

Special UPI categories stay special

IPO, tax, hospital, education or verified-merchant UPI ceilings are never reused as ordinary P2P limits.

Conflicts remain source-scoped

If two current bank pages disagree, keep both facts, their event/channel scope and review date instead of selecting the larger or easier number.

Transaction-limit matrix

Compare the scope before comparing the rupee amount.

An overall app ceiling is not an IMPS transaction limit; a special-category UPI ceiling is not ordinary P2P; a debit-card daily limit is not an ATM machine limit.

Research matrix: Bank profile; Digital transfer / UPI; Card / cash
Bank profile	Digital transfer / UPI	Card / cash
AU Small Finance Bank Transaction Limits	Retail AU 0101 publishes ₹10 lakh/day for IMPS, NEFT, RTGS, intra-bank, Payment Gateway and Bill Payment; one-time transfers and new-payee first-three-hour state are ₹50,000. After cooling, ordinary UPI is up to ₹1 lakh/day with maximum 20 P2P transactions in 24 hours; Android first 24h and iOS first 72h use lower security limits.	Current digital limit table distinguishes card variants; reviewed Platinum card is ₹50,000 ATM/₹2 lakh purchase daily, while higher/lower variants have separate maxima. Customers can set lower limits. AU aggregates Branch/ATM-CDM/AEPS cash deposits for tariff purposes. One mainstream schedule example uses 5 deposits or ₹2 lakh/month free; no universal machine rupee ceiling is inferred.
Axis Bank Transaction Limits	open app maximum is ₹20 lakh/day Retail and ₹30 lakh/day Burgundy, subject to lower product/rail/customer controls. Axis-account ordinary UPI is retained as a separate ₹1 lakh per-transaction control and is not raised to the overall app ceiling.	Prestige card ₹1 lakh ATM/₹5 lakh purchase per day; Digital Savings virtual card ₹1 lakh e-commerce/day. No universal Axis cash-deposit ceiling is inferred here.
Bank of Baroda Transaction Limits	Mobile and Internet Banking limits are kept separate because their NEFT/RTGS/IMPS ceilings differ materially. Ordinary UPI ₹1 lakh per transaction/day; special verified-merchant/IPO/Retail Direct categories retain higher use-case-specific ceilings.	RuPay Platinum Debit: ₹50,000 ATM and up to ₹1 lakh POS/e-commerce/day. Cash Recycler card deposit up to ₹2 lakh/day with PAN, ₹49,999 without PAN, cardless deposit ₹20,000/day.
Canara Bank Transaction Limits	Mobile Banking cumulative fund-transfer limit ₹15 lakh/day; interbank and intrabank each up to ₹7.5 lakh/day, with Direct Pay ₹25,000/day. P2P ₹1 lakh per transaction/day with 20/24h; verified/special merchants and IPO/Retail Direct/hospital/education/tax retain separate higher category ceilings.	RuPay Platinum ₹1 lakh ATM/₹5 lakh POS-e-commerce; Visa Classic ₹75,000 ATM/₹2 lakh POS-e-commerce/day. No universal Canara CDM cash-deposit ceiling is inferred in this first limit profile.
Federal Bank Transaction Limits	FedNet overall daily limits range ₹1 lakh Base Net to ₹1 crore Celesta; FedMobile default mobile limit is ₹10 lakh with premium maximum up to ₹20 lakh. Ordinary UPI maximum ₹1 lakh in a 24-hour cycle with up to 10 P2P transactions/account; verified merchants up to ₹2 lakh and specified IPO/Retail Direct categories up to ₹5 lakh.	Current Celesta material: ₹1 lakh ATM/₹6 lakh shopping daily; Crown Contactless: ₹50,000 ATM/₹3 lakh shopping with ₹3.5 lakh total. Federal Savings cash handling is scheme-scoped: five cash transactions or ₹5 lakh/month free under the reviewed tariff, with CDM deposits accepting up to 200 notes per transaction; this is not one universal rupee machine ceiling.
HDFC Bank Transaction Limits	TPT is customer-configurable up to ₹50 lakh/day; default registration limit and temporary registration restrictions remain separate states. General current UPI page uses ₹1 lakh/20 transactions in 24 hours; narrower app FAQ count wording is retained as a source conflict rather than normalized away.	Platinum Debit Card: ₹1 lakh ATM and ₹5 lakh shopping per day. HDFC CDM: Savings ₹1 lakh/transaction and ₹2 lakh/day; Current ₹1 lakh/transaction and ₹6 lakh/day, max 200 notes/transaction.
ICICI Bank Transaction Limits	iMobile daily fund-transfer limit ₹20 lakh; Retail Net Banking default ₹10 lakh, with customer/profile controls and segment-specific rail ceilings. No universal resident UPI amount is added here without a clean current first-party bank-wide source; UPI remains covered by its dedicated payment profile where supported.	Wealth Management Debit Card: ₹1 lakh ATM and ₹7.5 lakh purchases/day. No universal cash-deposit ceiling is inferred in this profile; cash service rules stay in the ATM/cash layer.
IDFC FIRST Bank Transaction Limits	Overall Internet Banking transfer/payment limit is ₹20 lakh or the lower customer-set Limit Management amount, applied over a 24-hour period from the first transaction. Current IDFC FIRST material distinguishes ordinary P2P/non-verified-merchant UPI up to ₹1 lakh/day from verified-merchant usage up to ₹2 lakh/day.	Mainstream ₹25K-AMB World Debit Mastercard publishes ₹2 lakh ATM/₹6 lakh purchase daily limits; ₹10K-AMB Visa Classic publishes ₹1 lakh ATM/₹4 lakh purchase; RuPay Classic is ₹40,000 ATM/₹1 lakh purchase. The reviewed zero-fee Savings material confirms cash deposits can be free for qualifying customers but does not establish one universal machine-value ceiling; none is inferred.
IndusInd Bank Transaction Limits	Upgraded mobile material states a ₹10 lakh cumulative daily fund-transfer limit, customer-adjustable up/down to that maximum. Current INDIE material states up to ₹1 lakh cumulatively to non-merchant accounts with up to 10 daily transactions, and up to ₹2 lakh cumulatively to specified merchants.	World Select: ₹1.5 lakh ATM/₹3 lakh POS daily; World Exclusive: ₹2 lakh ATM/₹4 lakh POS daily. Customers can set lower channel limits through IndusMobile/IndusNet. One reviewed Savings schedule gives cash deposit free up to ₹2 lakh/month or 5× previous month's AMB, whichever is higher, with a 5-transaction cap; this is scheme-scoped, not bankwide.
Kotak Mahindra Bank Transaction Limits	Default CRN fund-transfer limits are ₹20 lakh for Privy/Wealth/Solitaire/NRI, ₹10 lakh for Regular and 811 Super, and ₹5 lakh for 811, subject to lower customer/rail/security controls. Current Scan & Pay says ₹1 lakh/day and 10 transactions/day; Kotak's BHIM UPI FAQ says ₹1 lakh/day and up to 20 transactions/day. The count conflict remains explicit.	The reviewed Kotak 811 Infinity Metal Debit Card publishes ₹1.5 lakh ATM withdrawal and ₹4 lakh POS/e-commerce daily limits; other variants have their own ceilings. Current Everyday Savings branch/CDM cash entitlement is scheme-scoped: 3 transactions or ₹1 lakh/month free, whichever earlier; third-party cash has a separate ₹25,000/month free amount. These are pricing/handling thresholds, not a universal machine maximum.
SBI Banking Transaction Limits	Online third-party transfers use a customer-set aggregate ceiling up to ₹25 lakh/day; individual rails can be lower. Ordinary 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.	Named card variants remain separate: Platinum ₹1 lakh ATM/₹2 lakh POS-online; Global ₹40,000 ATM/₹75,000 POS-online. Cash-deposit ceilings remain in the ATM/cash-service profile rather than being inferred as a universal Savings-account limit.
YES BANK Transaction Limits	YES BANK exposes customer-set and bank-enforced transaction limits by channel; an older live user guide illustrates a ₹25 lakh Internet Banking clubbed bank-provided limit, retained as historical/live context rather than a universal 2026 promise. YES Pay Next ordinary flow: up to 20 UPI transactions aggregating to ₹1 lakh/day; new registration/device switch is limited to ₹5,000 for the first 24 hours.	Current debit-card catalogue shows card-specific maxima, e.g. Prosperity Sleek ₹30,000 ATM/₹1 lakh purchase; Digital Savings variants publish ₹30,000/₹1 lakh or ₹50,000/₹1.5 lakh domestic ATM/POS depending on account variant. No single current bankwide cash-deposit machine ceiling is established by the reviewed YES BANK sources; account tariff and branch/CDM controls remain product-specific.

Security-state & conflict matrix

Temporary restrictions and live source conflicts stay visible.

Cooling after beneficiary addition, app registration, device change or UPI registration is not a steady-state customer limit. Conflicting current bank pages are shown as conflicts until the bank reconciles them.

Research matrix: Bank; Beneficiary / security state; Conflict / effective-date rule
Bank	Beneficiary / security state	Conflict / effective-date rule
AU Small Finance Bank Transaction Limits	Newly added payee is limited to ₹50,000 during the first 3 hours; one-time transfer without a saved payee also has a ₹50,000 limit.	No conflict is manufactured between ₹10 lakh digital transfer limits and ₹1 lakh UPI because they are different rails. Variant card limits remain distinct from app transfer ceilings. Current AU digital transaction page and support pages reviewed 10 September 2026 control; exact card/account schedules remain variant-scoped.
Axis Bank Transaction Limits	This profile does not infer one universal beneficiary-cooling rule from app registration/device-change controls.	Axis has a live first-party conflict: main open page says ₹30k/₹1L for 5 days after device change/re-registration; support says ₹50k/₹1L for initial 24h. Current open and support pages reviewed 10 September 2026 are both retained when their security-state wording differs.
Bank of Baroda Transaction Limits	4 hours for IMPS/NEFT and 24 hours for RTGS after beneficiary registration.	Different mobile and web ceilings are channel differences, not conflicts; older/variant-specific tables remain scoped to their product. Current dedicated bob World/bank pages reviewed 10 September 2026 control; older product-specific bob World Digital Savings tables are not generalized bankwide.
Canara Bank Transaction Limits	New beneficiary: nil first hour, up to ₹50,000 until 12 hours, then full applicable daily limit.	UPI and debit-card use-case limits are never promoted to the overall Mobile Banking transfer ceiling; staged cooling remains temporary. Current Mobile Banking/card pages reviewed 10 September 2026 are stored by channel/card variant and security state.
Federal Bank Transaction Limits	FedNet beneficiary activation can depend on 2FA form factor; FedMobile limit increases have 24-hour cooling up to the ₹10 lakh default and 48-hour cooling above the default with debit-card 2FA.	Live Online Tax Payment copy says ₹30,000/day, conflicting with the newer FedNet revamp's ₹3 crore/day tax-payment limit. The newer dated revamp is primary but the older live page remains visible as conflict debt. FedNet slab revamp is explicitly effective 10 December 2025; current FedMobile/UPI/card pages reviewed 10 September 2026 are stored separately.
HDFC Bank Transaction Limits	Current beneficiary page: 30-minute activation and ₹50,000 first-24-hour aggregate; the TPT-registration page has a distinct first-48-hour staged restriction.	TPT registration and new-beneficiary first-24-hour language are not treated as identical events; UPI count wording also remains source-scoped. Current first-party pages reviewed 10 September 2026 are stored by scope; a later live tariff/limit screen controls after changes.
ICICI Bank Transaction Limits	First 24h after new payee: General ₹1 lakh, Privilege ₹2 lakh, Wealth/Wealth Select ₹5 lakh, Global Private/NRI ₹10 lakh.	Cardless-cash daily limit is explicitly conflict-state; segment/time transfer maxima remain alternatives, not additive limits. Limit rows are scoped to current digital/card sources reviewed 10 September 2026; customer segment/time controls are not collapsed.
IDFC FIRST Bank Transaction Limits	30-minute cooling after adding a beneficiary; within the first 24 hours post-addition transfers to that new beneficiary are capped at ₹2 lakh.	No universal card or cash-machine limit is inferred from the ₹20 lakh Internet Banking ceiling; per-rail and per-card maxima remain controlling. Current Internet Banking limit PDF and product pages reviewed 10 September 2026 are kept separate by channel/card variant.
IndusInd Bank Transaction Limits	IndusMobile FAQ allows addition of up to 5 beneficiaries/day for Current Accounts and 3/day for Savings Accounts; separate first-user/device restrictions apply to the customer's transfer state.	New registration/device re-registration is ₹2 lakh for 24h on upgraded mobile material but ₹10,000 for 24h on a separate live IndusMobile FAQ. Current upgraded mobile/app pages reviewed 10 September 2026 are primary; older live FAQ values are retained as explicit conflicts where still accessible.
Kotak Mahindra Bank Transaction Limits	New beneficiaries have a 30-minute no-transfer cooling period, followed by segment-specific initial limits: ₹3 lakh premium/NRI, ₹50,000 Regular, ₹25,000 811 Super/811 under the current limit page.	UPI daily count is 10 on the Scan & Pay page versus 20 on the BHIM UPI FAQ. New-device one-time transfer ₹5,000 for seven days is an additional security state, not a replacement for beneficiary cooling. Current Kotak help pages reviewed 10 September 2026 control the digital limits; exact card/account schedules remain product-scoped.
SBI Banking Transaction Limits	New beneficiary: activation timing plus ₹5 lakh aggregate during the first four days.	No system-level RBI/NPCI ceiling is treated as an SBI customer guarantee; source-scoped channel/product ceilings control. Rows use currently reviewed SBI sources as of 10 September 2026; older SBI Anywhere limits are not promoted over newer OnlineSBI/YONO evidence.
YES BANK Transaction Limits	No universal current beneficiary cooling duration is established in reviewed YES BANK material; customer and recipient limits remain channel-specific.	IMPS is ₹5 lakh per transaction on current product pages versus ₹2 lakh in an older live YES ONLINE FAQ. The older ₹25 lakh clubbed-limit illustration is not treated as a universal current ceiling. Current 2026 YES BANK pages are primary; older live PDFs are preserved as source-scoped legacy/conflict evidence when they disagree or lack a current-date control.

Maintained comparisons

Head-to-head research where the trade-off is meaningful.

Pairs are curated rather than generated automatically. Each product retains its own conditions, dates and evidence.

State Bank of IndiaSBI Banking Transaction LimitsHDFC BankHDFC Bank Transaction LimitsOpen comparison

Latest recorded review September 10, 2026Maintained pair Source-backed

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