How To Fix Google Pay (GPay) UPI Limit Exceeded Error?

Google Pay (GPay) has become one of the most popular mobile payment apps in India, allowing users to make quick and easy online payments using UPI. However, sometimes users may encounter the error “Limit Exceeded” when trying to make a payment on GPay using UPI.

How To Fix Google Pay (GPay) UPI Limit Exceeded Error?

This error indicates that the user has exceeded the maximum limit set by their bank for UPI payments in a 24 hour period. The limit is usually set at Rs 1,00,000 per day, but can vary depending on the bank.

Here are some tips to fix the “Limit Exceeded” error on GPay UPI payments:

Wait 24 hours for limit to reset

The simplest solution is to just wait for the 24 hour period to get over, upon which the limit will automatically reset. Once the limit resets, users will be able to make UPI payments via GPay again up to the maximum limit set by their bank.

So if you are receiving the “Limit Exceeded” error, wait until the next day and try making the payment again.

Check your bank’s UPI payment limit

Different banks set different limits for UPI transactions within a 24 hour window. Some common limits set by banks are:

  • SBI – Rs 1,00,000
  • ICICI – Rs 2,00,000
  • Axis – Rs 1,00,000
  • HDFC – Rs 2,00,000

To find out the exact UPI limit set by your bank, you can check your bank’s official website or mobile app, or contact their customer care. This will help you track your daily usage and avoid hitting the limit.

Use multiple bank accounts

If you need to make urgent payments over your daily UPI limit, you can add multiple bank accounts to GPay and use them in rotation.

For instance, you can use Account A to make payments on Day 1, Account B for payments on Day 2, and so on. This evenly distributes your payments across accounts and prevents any one account from exceeding limits.

To add multiple accounts on GPay:

  • Open GPay app > Profile > Bank Accounts > Add Account
  • Select your bank and follow prompts to add your account
  • You can add and use multiple accounts seamlessly on GPay

Use other UPI apps

In addition to GPay, there are many other UPI apps like PhonePe, Paytm, Amazon Pay, BHIM etc. Most banks allow users to set daily limits separately for each UPI app.

So even if you have exceeded limits on GPay, you can use a different UPI app to make urgent payments and rotate between these apps. This will help avoid limit errors and make seamless payments.

Update app or reinstall

Sometimes the “Limit Exceeded” error may occur due to a minor technical glitch or bug in the app.

You can try updating the GPay app to the latest version from the Play Store or App Store. Or uninstall and reinstall the app on your device. This will refresh the app and may resolve minor glitches that cause erroneous limit errors.

After updating/reinstalling, check if you are still facing issues with making payments.

Contact bank

If the above methods don’t work and you need to make urgent payments, get in touch with your bank’s customer care right away.

Explain your issue and request them to increase your daily UPI limit temporarily or reset the limit immediately. Most banks can instantly increase limits if you have a genuine urgency.

You can also request banks to permanently increase your daily limit if you make frequent UPI payments. Though banks may ask you to submit ID/address proof before increasing limits.

Key Takeaways:

  • The “Limit Exceeded” error occurs when you exceed your bank’s limit for UPI payments in 24 hours.
  • Simplest fix is to wait for limit to automatically reset at midnight.
  • Check your bank’s UPI payment limit per day and track your usage.
  • Add multiple bank accounts to GPay and use them in rotation.
  • Use other UPI apps like PhonePe, Paytm etc. in addition to GPay.
  • Update the GPay app or reinstall to fix minor glitches.
  • Contact your bank to increase your daily UPI transaction limit, if needed urgently.

Conclusion

The “Limit Exceeded” error on GPay UPI transactions can be frustrating, but is usually easy to resolve. The ideal solution is to keep track of your daily payments and stay within the prescribed limit set by your bank. You can also utilize multiple bank accounts and UPI apps to distribute payments. For urgent requirements, contact your bank to temporarily or permanently increase limits. With these simple tips, you can avoid payment failures and seamlessly use GPay for all your UPI transactions.

FAQs

Q: Why do I get “Limit Exceeded” error on GPay?
A: This error occurs when you exceed the maximum limit for UPI transactions set by your bank in a 24 hour period.

Q: What is the usual UPI limit per day?
A: Most banks set a daily limit of Rs 1-2 lakhs. But it varies across banks.

Q: How to find my bank’s UPI transaction limit?
A: You can check your bank’s website, mobile app or contact customer care to know the exact UPI limit.

Q: How long does it take for the limit to reset?
A: The daily UPI limit resets automatically at 12 am midnight.

Q: Can I increase my UPI transaction limit?
A: Yes, you can request your bank to increase the limit temporarily or permanently.

Q: How do I add multiple accounts on GPay?
A: Open GPay > Profile > Bank Accounts > Add Account and follow prompts.

Q: Which other UPI apps can I use?
A: You can use apps like PhonePe, Paytm, BHIM, Amazon Pay etc. in addition to GPay.

Q: Will reinstalling GPay app fix limit exceeded errors?
A: Reinstalling the app may help fix minor glitches causing erroneous limit errors.

Q: Who do I contact for urgent limit increase?
A: You can contact your bank’s customer care and request them to increase limit immediately.

Q: Can I divide payments between my accounts?
A: Yes, you can use multiple accounts in rotation to distribute payments and avoid hitting limits.

Q: Does the limit apply separately for each UPI app?
A: Yes, most banks allow you to set separate limits for each UPI app installed.

Q: How can I track my daily UPI usage?
A: Check your bank account statement regularly to keep track of your UPI payments.

Q: Is there any workaround if bank is unable to increase limit?
A: Try using a different UPI app or make payment next day once limit resets at 12am.

Q: How long does it take for bank to increase UPI limit?
A: Banks generally increase limits instantly if you have a genuine urgency.

Q: Can I request for higher permanent UPI limit increase?
A: Yes, banks can increase your limit permanently after evaluating account activity, KYC docs etc.

Q: What details do I need to provide bank for limit increase?
A: You may need to submit identity proof, address proof and reason for requesting higher limit.

Q: How much can banks increase the UPI transaction limit?
A: Banks can increase the limit up to Rs 1 lakh per transaction and Rs 2 lakhs per day basis need.

Q: Will bank charge for increasing my UPI transaction limit?
A: No, banks do not charge any fees for increasing your UPI transaction limit.

Leave a Comment