Indian Bank UPI Setup and Daily Limit: Full Guide
Indian Bank UPI Setup and Daily Limit: Everything You Need to Know
You can set up UPI on your Indian Bank account using the IndOASIS app (Indian Bank’s official mobile banking app) or any third-party UPI app like Google Pay or BHIM. The process takes just a few minutes and lets you transfer money instantly using your UPI ID or a mobile number.
How to Set Up Indian Bank UPI via IndOASIS
- Download the IndOASIS app from Google Play or the App Store.
- Register with your Indian Bank account details and registered mobile number.
- Go to UPI in the app menu.
- Select Create VPA (Virtual Payment Address).
- Your UPI ID will be in the format mobilenumber@indianbank or a custom handle.
- Set a 6-digit UPI PIN by entering your Indian Bank debit card’s last 6 digits and expiry date.
- Enter the OTP received on your registered number to complete setup.
How to Set Up Indian Bank UPI on Google Pay or PhonePe
- Open Google Pay or PhonePe and go to bank account settings.
- Select Add Bank Account and choose Indian Bank.
- Your registered number is auto-verified.
- Set your UPI PIN using your Indian Bank debit card details.
Indian Bank UPI Transaction Limits (2026)
| Transaction Category | Per Transaction Limit | Daily Limit |
|---|---|---|
| Peer-to-peer transfer | Rs. 1 lakh | Rs. 1 lakh |
| UPI Lite wallet | Rs. 500 | Rs. 4,000 |
| Selected merchant categories | Up to Rs. 5 lakh | As per NPCI norms |
Key Takeaways
- Use IndOASIS or any third-party UPI app to set up Indian Bank UPI.
- Standard UPI limit is Rs. 1 lakh per transaction and per day.
- UPI PIN is created using your Indian Bank debit card details.
- UPI transfers are instant, 24/7, and free of charge.
Frequently Asked Questions
What is the IndOASIS app?
IndOASIS is Indian Bank’s official mobile banking application, available on Android and iOS. It supports UPI, fund transfers, account management, and more.
What is the UPI daily limit for Indian Bank?
The standard daily UPI limit is Rs. 1 lakh for peer-to-peer transfers. Certain merchant and utility payment categories may allow higher limits per NPCI guidelines.
Can I use PhonePe with my Indian Bank account?
Yes. Indian Bank is supported on all NPCI-approved UPI apps including PhonePe, Google Pay, and BHIM.
What if I forget my Indian Bank UPI PIN?
Use the forgot PIN option in your UPI app, then re-verify using your Indian Bank debit card details and OTP to set a new PIN.
