How to Increase PhonePe Per Day Limit – Complete Guide (2025)
Are you facing transaction limits on PhonePe and wondering how to increase your daily limit for UPI payments, bank transfers, or wallet transactions? PhonePe imposes certain restrictions for security reasons, but you can legally increase these limits by following the right steps.
In this detailed guide, we’ll explain:
✔ Default PhonePe transaction limits
✔ How to increase PhonePe daily limit (UPI, wallet, bank transfers)
✔ KYC verification process for higher limits
✔ Alternate methods to bypass limits
✔ FAQs on PhonePe transaction limits
Let’s get started!
1. What is PhonePe’s Default Daily Transaction Limit?
PhonePe follows RBI guidelines for UPI and wallet transactions, so default limits apply unless you complete KYC. Here’s the standard limit structure:
| Transaction Type | Default Limit (Without Full KYC) | Max Limit (With Full KYC) |
|---|---|---|
| UPI Payments (Peer-to-Peer) | ₹1 Lakh per day | ₹1 Lakh+ (depends on bank) |
| Wallet Transactions | ₹10,000 per month | ₹1 Lakh per month |
| Bank Transfer (IMPS/UPI) | Depends on bank limit (usually ₹1-2 Lakh/day) | Up to ₹10 Lakh (varies by bank) |
👉 Note: If you haven’t completed full KYC, your PhonePe wallet will have a ₹10,000/month limit.
2. How to Increase PhonePe Daily Limit? (Step-by-Step)
Method 1: Complete Full KYC on PhonePe
The only official way to increase your PhonePe transaction limit is by completing Full KYC (Know Your Customer). Here’s how:
Step 1: Open PhonePe & Go to Profile
- Open the PhonePe app → Tap your Profile Icon (top-left).
- Select “KYC & Limits”.
Step 2: Start KYC Verification
- Click on “Complete KYC”.
- Enter your Aadhaar number (linked to your mobile number).
- Verify via OTP or Biometric (fingerprint/iris scan).
Step 3: Video KYC (Mandatory for Full KYC)
- A Video Call Verification will be initiated.
- An agent will ask for Aadhaar details & a selfie verification.
- Once approved, your wallet limit increases to ₹1 Lakh/month.
🔹 Time Taken: Usually 24-48 hours for approval.
Method 2: Link Multiple Bank Accounts
If your bank has a higher UPI limit, you can:
- Link multiple bank accounts in PhonePe.
- Use the bank with the highest transaction limit (e.g., HDFC/ICICI allows up to ₹1 Lakh/day).
Method 3: Use Different Payment Modes
- UPI (Default): Max ₹1 Lakh/day (depends on bank).
- IMPS/NEFT: Some banks allow higher limits (check bank app).
- Credit Card: Use for large payments (limits depend on card issuer).
3. How to Check Your Current PhonePe Limit?
To see your existing limits:
- Open PhonePe → Profile → KYC & Limits.
- Here, you’ll see:
- Wallet Balance Limit (₹10K or ₹1 Lakh).
- UPI Transaction Limit (as per bank policy).
4. Can You Bypass PhonePe Limits? (Alternative Tricks)
While you cannot bypass RBI-mandated limits, here are some workarounds:
✔ Use Multiple UPI Apps (Google Pay, Paytm, etc.) – Each has its own limit.
✔ Split Payments – Pay in multiple transactions if allowed.
✔ Use Bank Transfer (IMPS/NEFT) – Higher limits than UPI.
🚨 Warning: Avoid fake “limit increase” scams. Only Full KYC increases limits legally.
5. FAQs on PhonePe Transaction Limits
Q1. Can I increase PhonePe limit without KYC?
❌ No, Full KYC is mandatory for higher wallet & UPI limits.
Q2. Why is my PhonePe wallet limit only ₹10,000?
Because you have minimum KYC. Complete Full KYC to increase it to ₹1 Lakh.
Q3. What’s the max UPI limit on PhonePe?
Depends on your bank (usually ₹1 Lakh/day). Private banks like HDFC/ICICI allow higher limits.
Q4. How to increase PhonePe wallet limit to ₹1 Lakh?
Only possible after Full KYC verification (Aadhaar + Video KYC).
Q5. Does PhonePe have a monthly limit?
Yes, ₹10,000/month for non-KYC wallets, and ₹1 Lakh/month after Full KYC.
6. Final Verdict: Best Way to Increase PhonePe Limit
If you want higher transaction limits, Full KYC is the only reliable method. Avoid fake hacks and follow RBI-compliant steps.
🔹 For Non-KYC Users: Max ₹1 Lakh/day (UPI) & ₹10K/month (Wallet).
🔹 For Full KYC Users: Up to ₹1 Lakh/month (Wallet) & bank-dependent UPI limits.
Need more financial tips? Visit vFinance.in for expert guides!
