Big news for the millions of Indians in the UAE: Your UPI app just became a financial powerhouse. The National Payments Corporation of India (NPCI) supercharged daily transaction limits for high-value payments, effective September 15. This is a game-changer for managing your money, from investments to big purchases.
What’s New? The Limits Have Been Boosted
- Capital Markets & Insurance: You can now make single payments up to Rs5 lakh, with a new daily limit of Rs10 lakh (Rs1 lakh=Dh 4,170).
- Credit Card Bills: Pay off a single bill up to Rs500,000, with a daily cap of Rs6 lakh.
- Travel & Loan Repayments: A new daily ceiling of Rs10 lakh makes paying for flights, holidays, and EMIs faster than ever.
- Jewellery Purchases: A single transaction can now be up to Rs2 lakh, with a Rs6 lakh daily limit.
- Hospital & Education Fees: The daily cap remains a high Rs1 million, with a per-transaction limit of Rs5 lakh.
Why This Matters for You in the UAE
This update means you can now handle serious financial transactions with the speed and convenience of UPI, without the hassle of cheques or slower bank transfers. Sending money home for investments, paying large insurance premiums, or settling EMIs has never been easier.
A Record-Breaking Era for UPI
These changes come as UPI continues to break records. In August 2025 alone, it processed a staggering 20 billion transactions, a 34% increase year-on-year, with a total value of Rs24.85 trillion. It’s the go-to payment method for millions, and now it’s even more powerful.
Important Security Update
To combat fraud, NPCI is discontinuing the “P2P collect request” feature from October 1. This is a proactive step to protect users from scams, ensuring that only verified merchants can request payments. Your personal transfers (P2P) will remain secure with the existing daily cap of Rs100,000.
The Bottom Line: UPI is no longer just for small, day-to-day payments. It’s a must-have tool for serious financial management, giving you more control and security over your money from the UAE.
No Indian mobile number required
NRIs in the UAE can now access UPI using their UAE mobile numbers.
Instant, hassle-free payments
Transfers can be made 24/7 by scanning a QR code or entering a UPI ID/phone number, without needing bank details.
Eligibility
Users must hold an NRE (Non-Resident External) or NRO (Non-Resident Ordinary) account with a participating bank in India.
Registration requirement
The international number must be linked to the account, with KYC completed.