ICICI UPI Setup and Daily Limit: iMobile Pay Guide
How to Set Up UPI for ICICI Bank Account
ICICI Bank customers can set up UPI through iMobile Pay, ICICI Bank’s official mobile banking app, or any third-party UPI app like Google Pay or PhonePe. The daily UPI transaction limit for ICICI Bank accounts is Rs. 1 lakh by default, with higher limits available for iMobile Pay users.
Prerequisites
- ICICI Bank savings or current account
- Mobile number registered with ICICI Bank
- ICICI Bank debit card (for UPI PIN setup)
- SIM card with registered number installed in the phone
Step-by-Step: Set Up ICICI UPI via iMobile Pay
- Download iMobile Pay from Google Play Store or Apple App Store.
- Open the app and tap Generate MPIN / First Time User.
- Enter your ICICI registered mobile number.
- The app sends a verification SMS from your SIM to authenticate.
- Enter your Customer ID (found on cheque book or ICICI passbook) or set up with card details.
- Set your iMobile Pay MPIN.
- On the home screen, tap UPI.
- Select Set UPI PIN for your ICICI account.
- Enter your debit card last 6 digits and expiry date.
- Enter the OTP sent to your registered mobile.
- Set a 6-digit UPI PIN and confirm.
- Your ICICI UPI ID is created: typically mobilenumber@icici.
ICICI UPI Daily Limit (2026)
| Channel | Per Transaction | Daily Limit |
|---|---|---|
| iMobile Pay UPI | Rs. 1,00,000 | Rs. 2,00,000 |
| Third-party UPI apps | Rs. 1,00,000 | Rs. 1,00,000 |
| UPI Lite (small payments) | Rs. 500 | Rs. 2,000 |
ICICI Bank iMobile Pay users may benefit from a higher Rs. 2 lakh daily limit. Limits are subject to NPCI and bank policy updates.
How to Increase ICICI UPI Limit
In iMobile Pay, go to UPI then Manage Accounts and check if a higher limit option is available for your account. For certain enhanced UPI limits (for IPO, insurance, capital market transactions), NPCI allows up to Rs. 5 lakh per ICICI Bank UPI guidelines.
Key Takeaways
- iMobile Pay is the recommended app for ICICI UPI — supports up to Rs. 2 lakh daily limit.
- ICICI UPI ID default format is mobilenumber@icici.
- Debit card last 6 digits, expiry, and OTP are required for UPI PIN setup.
- ICICI UPI is available 24×7 through NPCI’s Immediate Payment platform.
- UPI Lite is available for small, offline-mode payments up to Rs. 500.
Frequently Asked Questions
Can I use ICICI UPI without iMobile Pay?
Yes. Link your ICICI account to Google Pay, PhonePe, or BHIM using your registered SIM card and debit card details. The daily limit on third-party apps is Rs. 1 lakh.
What is the ICICI UPI ID format?
The default ICICI UPI ID is your registered mobile number followed by @icici (e.g., 9876543210@icici). Custom VPAs can be created in iMobile Pay.
How do I reset my ICICI UPI PIN?
In iMobile Pay, go to UPI then Manage Accounts and tap Reset UPI PIN. Enter debit card details and OTP to set a new PIN.
Is ICICI UPI free to use?
Yes. RBI and NPCI guidelines mandate that UPI person-to-person transfers are free of charge for customers as of 2026.
What if an ICICI UPI transaction fails?
Failed transactions are auto-reversed within 48 to 72 hours. Report unresolved issues through iMobile Pay under Raise Complaint or call ICICI customer care at 1800-1080.
