Axis Bank UPI Setup and Daily Limit Guide
Axis Bank UPI Setup and Daily Limit Guide
Setting up UPI on your Axis Bank account takes less than five minutes through the Axis Mobile app. Once linked, you can send and receive money instantly, 24×7, even on bank holidays. This guide walks you through the complete setup and explains the daily transfer limits that apply in 2026.
How to Set Up UPI on Axis Bank
Before you begin, make sure the mobile number registered with your Axis Bank account is active and can receive SMS OTPs.
- Download or open the Axis Mobile app on your Android or iOS device.
- Log in with your MPIN or biometric authentication.
- Tap on UPI from the home screen menu.
- Select Set Up UPI ID and choose your preferred UPI handle (typically yourname@axisbank).
- Link your Axis Bank account by verifying it with a debit card and setting a 6-digit UPI PIN.
- Your UPI ID is now active and ready to use.
You can also set up Axis Bank UPI through third-party apps like Google Pay, PhonePe, or BHIM by selecting Axis Bank as your linked bank during setup.
Axis Bank UPI Daily Transaction Limit
As per NPCI guidelines and Axis Bank’s policy, the following limits apply per bank account per day:
| Transaction Type | Daily Limit |
|---|---|
| Per transaction | Rs 1,00,000 |
| Total daily limit | Rs 1,00,000 (standard) |
| UPI Lite (small transactions) | Rs 500 per transaction, Rs 4,000 wallet limit |
Note: Some merchant categories and verified apps may have higher limits up to Rs 2,00,000 for specific transactions like capital markets, insurance, and IPO applications.
How to Change Your Axis Bank UPI PIN
- Open the Axis Mobile app and go to UPI settings.
- Select Change UPI PIN.
- Verify with your debit card details and registered mobile OTP.
- Enter and confirm your new 6-digit PIN.
Troubleshooting Common UPI Issues
- Transaction failed: Check if your mobile number is registered with Axis Bank and your debit card is active.
- UPI PIN forgotten: Reset it from the Axis Mobile app using your debit card number and expiry.
- Bank account not linking: Ensure your SIM matches the registered mobile number; try restarting the app.
Key Takeaways
- UPI setup on Axis Bank is done through the Axis Mobile app in under 5 minutes.
- The standard daily UPI limit is Rs 1,00,000 per NPCI guidelines.
- UPI Lite supports low-value transactions up to Rs 500 each.
- You can reset your UPI PIN anytime through the Axis Mobile app without visiting a branch.
Frequently Asked Questions
What is the UPI daily limit for Axis Bank in 2026?
The standard UPI daily limit for Axis Bank is Rs 1,00,000 per day per account. Certain categories like IPO and insurance may allow up to Rs 2,00,000 per transaction.
Can I use Axis Bank UPI on Google Pay?
Yes. You can link your Axis Bank account to Google Pay, PhonePe, or any NPCI-approved UPI app and use it for transfers.
How do I reset my Axis Bank UPI PIN?
Open the Axis Mobile app, go to UPI settings, select Change UPI PIN, and verify with your debit card details and OTP sent to your registered mobile number.
Is there a charge for UPI transactions on Axis Bank?
No. UPI transactions on Axis Bank are completely free for customers as per RBI and NPCI guidelines. No fee is charged per transaction.
