What is the IPPB UPI Transaction Limit Per Day?
The IPPB UPI daily transaction limit varies when using IPPB’s Mobile Banking App, DakPay App, MATM (Micro ATM) App, or Post Office Counter. Below are details of IPPB UPI transaction limits across different channels for clarity:
UPI via IPPB Mobile Banking App
If you are comfortable using smartphones and prefer self-service, the IPPB Mobile Banking App offers the highest UPI limits among all channels. It is suitable for frequent users who need flexibility for shopping, bill payments, and fund transfers without depending on an agent.
| Minimum Amount |
Maximum Amount per Transaction |
IPPB UPI Transaction Limit Per Day |
Max Transactions per Day |
| ₹1 |
₹25,000 |
₹50,000 |
20 |
UPI via DakPay App (Linked with IPPB Savings Account)
The DakPay App works like Google Pay or PhonePe and can link to any UPI-enabled bank. If linked with a Post Office Savings Account, the limits are lower. This channel benefits customers who want a dedicated India Post/IPPB UPI app but do not require high daily transfer limits.
| Minimum Amount |
Maximum Amount per Transaction |
IPPB UPI Transaction Limit Per Day |
Max Transactions per Day |
| ₹1 |
₹10,000 |
₹20,000 |
Not Specified |
Note: If your account is with another bank (SBI, HDFC, etc.), the DakPay UPI transfers will obey that bank’s UPI limits for third-party Payment Service Providers (PSPs).
UPI via IPPB Assisted Mode (MATM App)
The MATM (Micro ATM) App is designed for assisted transactions through postal staff, mail carriers, or agents. This is useful for customers without smartphones, senior citizens, or rural users who prefer guided support for making digital transfers.
| Minimum Amount |
Maximum Amount per Transaction |
IPPB UPI Transaction Limit Per Day |
Max Transactions per Day |
| ₹1 |
₹10,000 |
₹20,000 |
20 |
UPI via Assisted Mode (Post Office Counter)
UPI transfers at the Post Office Counter are carried out with staff assistance. This mode suits customers who visit post offices physically or do not use mobile apps. It ensures access to digital payments even in rural or semi-urban areas.
| Minimum Amount |
Maximum Amount per Transaction |
IPPB UPI Transaction Limit Per Day |
Max Transactions per Day |
| ₹1 |
₹10,000 |
₹20,000 |
20 |
Note: Here, the maximum amount per transaction for UPI collect requests is ₹2,000. Additionally, a cooling period applies for new users, during which only up to ₹5,000 worth of transactions can be completed in the first 24 hours.
How to Check IPPB UPI Transaction Limit Per Day?
If you are an India Post Payments Bank (IPPB) customer, you can check your limits directly through the UPI app linked to your account. Here’s how:
- Open Your UPI App: Launch the IPPB Mobile Banking App, DakPay App, or any UPI app where your IPPB account is linked.
- Go to Settings or Profile: Navigate to the Settings or Profile section inside the app.
- Select Your Linked Bank Account: Choose your IPPB account from the list of linked accounts to view account-specific details.
- View Your UPI Limits: Many apps display the selected account's per-transaction and daily transfer limits. For IPPB, these limits vary by channel:
- IPPB Mobile Banking App: ₹25,000 per transaction and ₹50,000 per day.
- DakPay App / MATM App / Post Office Counter: ₹10,000 per transaction and ₹20,000 per day.
- UPI Collect Requests: capped at ₹2,000 per transaction.
- New users: subject to a cooling period, where only up to ₹5,000 can be transacted in the first 24 hours.
- Contact IPPB if needed: If the app does not show the limit, you can confirm the details through IPPB’s official website or by contacting customer care.
Note: The National Payments Corporation of India (NPCI), which operates the UPI system, permits up to ₹1,00,000 per transaction for normal UPI. However, IPPB applies its own stricter limits depending on the channel used.
Key Features of IPPB UPI Transaction
Below are the key features of the IPPB UPI transactions that offer several benefits for the customers:
- 24x7 Availability: IPPB UPI transactions are processed instantly, 24x7, including weekends and public holidays. This ensures that money can be transferred anytime without depending on branch timings.
- Convenient: With IPPB UPI, customers can send or receive money, pay bills, and shop online using a smartphone. Remembering account numbers or IFSC codes is unnecessary, making transactions simple and hassle-free.
- Secure Transactions with UPI PIN: An IPPB UPI PIN is a 4- or 6-digit passcode created during first-time registration for UPI services. It is required to authorise every transaction, ensuring security similar to an ATM PIN. Apart from this, IPPB follows Reserve Bank of India (RBI) and National Payments Corporation of India (NPCI) guidelines, ensuring safe and secure transfers.
- Multiple Channels for Transfers: IPPB UPI offers flexible options to send and receive money:
- Use a Virtual Payment Address (VPA) without sharing bank details.
- Pay by scanning UPI QR codes at merchant outlets.
- Transfer using the account number and IFSC for direct payments.
- Send money to contacts with the @postbank handle for quick peer-to-peer transfers.
What are the New UPI Rules Applicable to IPPB?
From August 1, 2025, the National Payments Corporation of India (NPCI) introduced new rules to improve security, reduce fraud, and manage system load across the UPI ecosystem. These rules apply to all banks and UPI apps, including India Post Payments Bank (IPPB). While IPPB continues to maintain its own per-channel transfer limits, it also follows these NPCI guidelines:
- Balance Check Limit: Account balance can be checked through UPI apps a maximum of 50 times per day per app.
- Linked Account View Limit: Viewing linked bank accounts through the “List Account” option is limited to 25 daily requests per app.
- Auto-Debit Timing: Recurring auto-debit payments such as EMIs and subscriptions are processed only during non-peak windows like before 10 AM, between 1 PM and 5 PM, or after 9:30 PM.
- Pending Transaction Status: The status of a pending UPI transaction can be checked up to three times, with a required 90-second gap between each attempt.
- Payee Name Display: UPI apps must show the recipient’s registered name and bank details before confirmation of the transfer to help prevent errors and fraud.
- Enhanced Category-Wise Limits: From September 15, 2025, UPI limits are higher for specific merchant categories such as education, healthcare, insurance, and capital markets. The revised ceiling is ₹5 lakh per transaction and ₹10 lakh cumulative within 24 hours. For standard peer-to-peer transfers, the limit remains ₹1 lakh per day.
Key Takeaways
IPPB UPI transactions provide customers with a fast, secure, and convenient way to transfer money across different channels. The daily limits vary depending on whether you use the mobile app, MATM app, or post office counter, but the cumulative cap is set at ₹50,000 per day with up to 20 transactions. While there are no additional Indian Post charges for making UPI payments, customers must stay aware of standard transaction rules. With the new UPI guidelines introduced by NPCI from August 2025, features like balance check limits, account linking caps, auto-debit timings, and payee name display will further enhance security and efficiency for IPPB users.
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