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RBI Enhances "UPI 123PAY" Transaction Limit to Rs 10,000.

Banking & Finance | Dated: 14&15 Dec 2025

The Reserve Bank of India (RBI) has enhanced the transaction limit for "UPI 123PAY", the offline payment solution for feature phones. The per-transaction limit has been raised from Rs 5,000 to Rs 10,000. This move aims to deepen digital payment penetration in rural areas where internet connectivity is limited.

🎯 Key Highlights:

  • UPI 123PAY allows users to make payments via IVR (Interactive Voice Response) numbers or missed calls.
  • The cumulative wallet limit for UPI Lite was also maintained at Rs 2,000 to ensure security for small-value transactions.
  • This change is expected to help farmers and small merchants in tier-3 and tier-4 cities.

💡 Other Important Facts:

  • New Limit: Rs 10,000 (Per Transaction).
  • Target Device: Feature Phones.
  • Mode: Offline (IVR/Missed Call).

📚 Test Your Knowledge:

What is the new per-transaction limit for "UPI 123PAY" announced by the RBI?

Correct Answer: Rs 10,000

🚀 Quick Recap:

About NPCI

  • MD & CEO – Dilip Asbe
  • Product – UPI 123PAY