UPI biometric limit: ₹10,000 per transaction

UPI lets you confirm a payment with a fingerprint or face on your phone instead of typing the UPI PIN. NPCI circular OC 226 of 7 October 2025 introduced that option, and circular OC 226A of 3 July 2026 raises the per-transaction limit for it from ₹5,000 to ₹10,000, effective 7 August 2026 (read on 13 November 2026).

What it means

A payment of up to ₹10,000 can be authorised with an on-device biometric where your bank and app support it.
Above that amount you use the UPI PIN as before.
The circular tells issuer banks, PSP banks and UPI apps to tell customers about the new limit, and says existing validations and compliance requirements continue to apply.
It does not change any other UPI limit.

Common questions

What is the UPI limit with fingerprint or face unlock?

NPCI circular OC 226A says the per-transaction limit for on-device biometric authentication in UPI is raised from ₹5,000 to ₹10,000, effective 7 August 2026.

Sources

NPCI circular NPCI/UPI/2025-26/OC/185B, 28 August 2025, "Addendum to OC 185 A – Implementation of higher per transaction limit for specific categories in UPI" (Annexure I), read on 13 November 2026 from the PDF on npci.org.in.
NPCI circular NPCI/UPI/OC-226A/2026-27, 3 July 2026, "Enhancement of Transaction Limit for On-Device Biometric Authentication in UPI".
NPCI circular NPCI/UPI/OC No. 240/2026-27, 4 November 2026, "Standardization of Dispute Management Rules in URCS".
Reserve Bank of India, DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019, "Harmonisation of Turn Around Time (TAT) and customer compensation for failed transactions using authorised Payment Systems" (rbi.org.in), read on 13 November 2026.

Figures read on 13 November 2026 from the NPCI and RBI circulars named above. Limits and rules change by circular: check your bank or app for the limit that applies to you. This site is independent, not connected with NPCI, RBI or any bank, and gives information, not advice.