State Bank of IndiaUPI payment service
SBI UPI — YONO SBI & BHIM SBI Pay
State Bank of India UPI profile covering YONO SBI/BHIM SBI Pay limits, Android/iOS cooling rules, UPI Lite and higher-value verified-merchant categories without confusing temporary first-use controls with the steady-state ₹1 lakh UPI limit.
First-party evidencePublished researchReviewed September 10, 2026Active
Eligible funding sourceRequires an eligible UPI-linked bank account and the registered mobile/device setup required by the chosen SBI/UPI channel. UPI Lite uses value loaded from the linked account rather than replacing the account relationship.
UPI / security limitsCurrent SBI guidance states ₹1 lakh per transaction and per day for ordinary P2P/P2M after cooling, with up to 20 P2P transactions in 24 hours. Select verified merchant categories can use higher NPCI-enabled ceilings; current SBI material lists ₹2 lakh for insurance/capital markets and ₹5 lakh for IPO/Retail Direct/tax/hospital/education use cases.
Payment / channel costSBI’s reviewed UPI guidance does not model a separate consumer subscription fee for ordinary UPI use; underlying account, card, telecom/data and any separate service charges remain governed by their own terms.
Payment / funding relationshipThis is the deposit-account UPI payment layer attached to eligible SBI accounts. RuPay credit-card-on-UPI is a separate funding relationship governed by the card issuer, NPCI rules and customer/card limits.
Research processPublished by bankingreference.info
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
6 first-party sources
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: November 24, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
UPI payment service evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
UPI control map
Separate the funding source, steady-state limit and temporary security state.
UPI is not represented by one universal ₹1 lakh number. Bank/app risk controls, device cooling, Lite, card-funded merchant UPI and mandate rules are kept in their own fields. Reviewed September 10, 2026.
UPI app / channelUPI through YONO SBI, BHIM SBI Pay and other supported UPI-compatible channels linked to an eligible SBI account.
Registration / linkingRegister the eligible account on the supported UPI channel using the bank-registered mobile/device process and establish the UPI PIN required for ordinary debit-account transactions.
AuthenticationOrdinary UPI uses UPI PIN/UPI security controls. Current SBI guidance states UPI Lite can make eligible small-value payments up to ₹1,000 without entering the UPI PIN.
Steady-state limitsAfter cooling, current SBI material states ₹1 lakh per transaction and ₹1 lakh per day for ordinary P2P/P2M, with a maximum 20 P2P transactions per 24 hours per account; P2M transaction count is governed by the value cap rather than the same 20-count rule.
New-user / device coolingAfter setting/resetting UPI PIN: Android first 24 hours ₹5,000 maximum transaction/cumulative day; iOS ₹5,000 per day for the first five days. SBI says these controls can change under NPCI/bank discretion.
UPI LiteCurrent SBI page: up to ₹1,000 per UPI Lite payment without UPI PIN and ₹5,000 maximum Lite balance, consistent with the current RBI/NPCI framework.
RuPay credit card on UPIKeep RuPay credit-card-on-UPI separate from SBI deposit-account UPI. NPCI restricts linked RuPay credit-card UPI primarily to eligible merchant flows and sets the usable amount to the lowest applicable issuer risk/card/customer limit rather than a guaranteed bank-account UPI ceiling.
AutoPay / mandatesUPI AutoPay/e-mandates are a separate recurring-payment authorization layer. NPCI supports pause, unpause, modify and revoke controls and generally sends a pre-debit notification before execution.
Merchant / QR controlsQR/merchant UPI is supported; SBI separately documents higher-value verified-merchant categories instead of treating every P2M payment as ₹1 lakh.
Failure / dispute / recoverySBI advises using official channels for UPI support and safety; PIN reset/re-registration can itself trigger the documented cooling state, so restored access does not imply immediate steady-state limits.
Maintained terms
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Payment / channel costSBI’s reviewed UPI guidance does not model a separate consumer subscription fee for ordinary UPI use; underlying account, card, telecom/data and any separate service charges remain governed by their own terms.
Eligible funding sourceRequires an eligible UPI-linked bank account and the registered mobile/device setup required by the chosen SBI/UPI channel. UPI Lite uses value loaded from the linked account rather than replacing the account relationship.
UPI capabilitiesYONO SBI/BHIM SBI Pay support UPI transfers and merchant payments; current SBI guidance also documents UPI Lite, verified-merchant higher limits and UPI safety controls.
UPI / security limitsCurrent SBI guidance states ₹1 lakh per transaction and per day for ordinary P2P/P2M after cooling, with up to 20 P2P transactions in 24 hours. Select verified merchant categories can use higher NPCI-enabled ceilings; current SBI material lists ₹2 lakh for insurance/capital markets and ₹5 lakh for IPO/Retail Direct/tax/hospital/education use cases.
Registration eligibilityEligible customers must complete UPI registration/device verification and set a UPI PIN through a supported SBI/UPI channel; actual availability can depend on account, mobile number, device and app support.
Payment / funding relationshipThis is the deposit-account UPI payment layer attached to eligible SBI accounts. RuPay credit-card-on-UPI is a separate funding relationship governed by the card issuer, NPCI rules and customer/card limits.
Fit & cautions
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
SBI customers who want the bank’s own UPI channels and need the first-day/device security limits, transaction-count rules and UPI Lite thresholds stated explicitly.
- After setting/resetting the UPI PIN, SBI currently caps the first 24 hours on Android at ₹5,000 cumulative; iOS is ₹5,000 per day for the first five days.
- Do not use the ₹1 lakh ordinary UPI ceiling for every payment category: verified merchant categories can have different ceilings, and the live bank/app risk limit can be lower.
- UPI Lite and ordinary UPI are different balance/authentication states; current SBI guidance lists ₹1,000 per Lite payment and ₹5,000 maximum Lite balance.
Maintained comparisons
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Decision checks
App / channelRegistrationAuthentication
Decision checks
App / channelRegistrationAuthentication
Decision checks
App / channelRegistrationAuthentication
Decision checks
App / channelRegistrationAuthentication
First-party source ledger
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
01
Primary product / service sourcesbi.bank.in
Open source ↗02Additional first-party evidencewww.npci.org.in
Open source ↗03Additional first-party evidencewww.rbi.org.in
Open source ↗04Additional first-party evidencewww.npci.org.in
Open source ↗05Additional first-party evidencewww.npci.org.in
Open source ↗06Additional first-party evidencewww.npci.org.in
Open source ↗Current-use rule
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
Research boundary
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.