ICICI Bank Mobile & UPI Transaction Limits Guide

This guide walks you through the exact steps to view and change your ICICI Bank mobile banking and UPI transaction limits using the iMobile Pay app and internet banking. You’ll learn how to adjust daily and per-transaction caps for UPI, fund transfers, and bill payments, and what to do if your request isn’t approved immediately.

What You’ll Need

Your ICICI Bank customer ID or registered mobile number
Access to your registered mobile number for OTP verification
The iMobile Pay app installed and logged in, or internet banking credentials
Your debit card details (for some limit changes via internet banking)

Step-by-Step

Using the iMobile Pay App

Open the iMobile Pay app on your smartphone and log in using your PIN, fingerprint, or face ID.
On the home screen, tap the Menu icon (three horizontal lines) in the top-left corner.
Scroll down and select Services, then tap Limits (sometimes labeled “Transaction Limits”).
You’ll see a list of limit categories: UPI, Fund Transfer, Bill Payments, and Cardless Cash. Tap the one you want to change.
For UPI, you’ll see the current daily limit (default is usually ₹1,00,000) and per-transaction limit. Tap Modify or the pencil icon.
Enter the new limit you want. The app will show the maximum allowed (often ₹5,00,000 for UPI, but it may vary based on your account and KYC status).
Confirm the new limit and authenticate using the OTP sent to your registered mobile number.
Once verified, the limit is updated instantly. You’ll see a confirmation message.

Using Internet Banking (Web)

Go to the ICICI Bank internet banking portal and log in with your customer ID and password.
Navigate to Accounts > Service Requests > Limit Management (or search for “limits” in the search bar).
Select the type of limit you want to change—UPI, IMPS, NEFT, RTGS, etc.
Enter the new limit amount. The system will display the maximum permissible limit for your account.
Authenticate using your debit card details (card number, expiry, CVV) and an OTP.
Submit the request. The change is usually applied immediately, but some requests may take up to 24 hours to process.

Important Notes

UPI limits are set per day, not per transaction, unless you specifically set a per-transaction cap.
ICICI Bank may have a default UPI limit of ₹1,00,000 per day for most accounts. You can raise it up to ₹5,00,000, but higher limits may require additional KYC or a visit to the branch.
For fund transfers via NEFT/RTGS, the limits are typically higher (up to ₹10,00,000 or more) and can be adjusted similarly.

Common Mistakes

Confusing daily and per-transaction limits: Make sure you’re editing the correct field. The daily limit is the total amount you can transact in a day; the per-transaction limit is the maximum for a single payment.
Entering a limit above your eligibility: The app shows the maximum allowed based on your account profile. Trying to set a higher limit will be rejected.
Not saving changes: Some users forget to tap “Save” or “Confirm” after entering the new limit, so the change isn’t applied.
Using an outdated app version: If the menu options look different, your app may need an update. Go to your app store and update iMobile Pay.

Tips

Set a limit that matches your typical usage to avoid declined transactions during emergencies.
If you’re raising the limit for a one-time large purchase, consider lowering it back afterward for security.
Enable transaction alerts in the app so you get notified of every UPI debit.
For business accounts, the limit options may differ; contact the bank if you need higher limits.

Troubleshooting

Limit change not taking effect immediately: Some changes, especially when raising limits significantly, may require manual review. Wait 24 hours. If it still hasn’t changed, contact ICICI Bank customer care at 1860-120-7777 (toll-free) or visit a branch.

OTP not received: Check that your registered mobile number is active and has network coverage. If the problem persists, the OTP may be sent to your email as well. If not, try again after 10 minutes.

App shows an error while saving: Log out and log back in, or clear the app cache. If the error persists, try using internet banking instead.

Limit shows as “not available”: This can happen if your KYC is incomplete or your account has restrictions. Contact the bank to complete your KYC.

Frequently Asked Questions

What is the default UPI limit for ICICI Bank?

The default daily UPI limit is ₹1,00,000 for most retail accounts. You can raise it up to ₹5,00,000 via the app or internet banking.

Can I set a per-transaction UPI limit separately?

Yes, the iMobile Pay app allows you to set a per-transaction limit for UPI, which can be lower than the daily limit. This is useful for controlling large payments.

Is there a limit on how many times I can change limits?

No, you can change limits as often as you like, but each change may require OTP verification. There is no fee for changing limits.

Why is my limit change request rejected?

Rejection usually happens if you try to set a limit above your account’s maximum, or if your KYC is incomplete. Check your account status and try again.

Do UPI limits apply to merchant payments and person-to-person transfers together?

Yes, the daily limit is a combined cap for all UPI transactions, including merchant payments, P2P transfers, and bill payments made via UPI.

Can I change my UPI limit through the UPI app itself (like Google Pay)?

No, UPI limits are set by your bank, not the UPI app. You must use ICICI Bank’s own channels (iMobile Pay or internet banking) to change them.

General steps for current mainstream versions; menus can differ by device and version. See the disclaimer or report an error.

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