UPI Payment Fee & Limit Calculator
Calculate UPI transaction fees and limits for India's payment system with our free UPI fee calculator. Enter transaction amount, type (P2P or P2M), merchant category, and select your bank or UPI app. See MDR fee, 18% GST, net amount, daily limit status, monthly projections, and compare across 12+ banks and UPI apps - all in your browser with no signup.
MDR Fee
₹0
Free (P2P)
GST (18%)
₹0
On MDR fee
Total Fee
₹0
Effective rate: 0%
NPCI UPI Fee Guidelines Reference
- P2P UPI transactions remain free for all users (no MDR)
- P2M UPI transactions for small merchants (<₹2L turnover) have zero MDR
- P2M UPI MDR ranges from 0% to 1.5% depending on merchant category
- 18% GST is applicable on all MDR fees
- PPI wallet transactions on UPI attract 1.1% MDR
- Daily transaction limits vary by bank (typically ₹50,000-₹5,00,000)
Why Use Our UPI Fee Calculator?
Real UPI Fee & Limit Calculations
Our UPI fee calculator calculates transaction fees based on current NPCI guidelines including MDR rates, 18% GST, per-transaction caps, and daily limits. Get accurate fee breakdowns for P2P and P2M transactions across 12 major Indian banks and UPI apps.
100% Private & Browser-Based
All UPI fee calculations run entirely in your browser. No data is sent to any server, no signup required, and your transaction information never leaves your device. Complete privacy guaranteed.
Detailed Fee Breakdown with GST
See exactly what you're paying: MDR fee (based on merchant category), 18% GST on the MDR fee, total fee, effective rate, and net amount received. Understand the full cost breakdown of every UPI transaction.
Multi-Bank & Merchant Category Support
Compare UPI fees across 12 banks and UPI apps (SBI, HDFC, ICICI, Axis, Google Pay, PhonePe, Paytm, and more). Choose from 9 merchant categories including small merchants (zero MDR), fuel, education, e-commerce, and PPI wallets.
When to Use the UPI Fee & Limit Calculator
Small Business UPI Cost Analysis
Small merchants can use our UPI fee calculator to understand their MDR costs. Check if you qualify for zero MDR and see how much you're paying in transaction fees monthly. Our UPI calculator helps budget for payment processing costs.
E-Commerce Payment Fee Planning
Online merchants accepting UPI payments can calculate total MDR expenses including the 1.5% e-commerce rate and 18% GST. The UPI fee calculator projects monthly and annual costs based on your transaction volume.
Choosing Between Banks & UPI Apps
Compare daily transaction limits and per-transaction limits across 12 major banks and UPI apps. Our UPI fee limit calculator shows you which bank offers the highest limits for your transaction needs.
Person-to-Person Transfer Cost Check
Individuals sending money via UPI can verify that P2P transactions remain completely free. The UPI fee calculator confirms zero MDR for person-to-person transfers and shows any applicable daily limits.
PPI Wallet Transaction Analysis
Prepaid Payment Instrument (PPI) wallet users on UPI can calculate the 1.1% MDR fee. Use this UPI payment calculator to see how much using a PPI wallet costs compared to a bank account for merchant payments.
Financial Education & NPCI Compliance
Educators and finance professionals can use the UPI fee calculator as a reference tool to demonstrate how UPI MDR works, the impact of GST, and how different merchant categories affect transaction costs.
Understanding UPI Fees & Limits
What is the UPI Fee Calculator?
The UPI fee and limit calculator is a tool that calculates transaction fees for UPI (Unified Payments Interface) payments in India. It computes MDR (Merchant Discount Rate) fees based on NPCI guidelines, adds 18% GST, checks daily and per-transaction limits by bank, and classifies transactions as P2P (Person to Person) or P2M (Person to Merchant). All calculations use current NPCI fee structures.
How Our UPI Fee Calculator Works
- Enter transaction details - Input the transaction amount, select transaction type (P2P or P2M), merchant category (if applicable), your bank or UPI app, and monthly transaction volume. Our UPI calculator uses these inputs to determine applicable fees and limits.
- Fee calculation engine - The UPI payment calculator applies the appropriate MDR rate based on merchant category (0-1.5%), calculates 18% GST on the MDR fee, and applies any fee caps. It also checks the transaction against your bank's daily and per-transaction limits.
- Review results & comparisons - See the fee breakdown, net amount, effective rate, and monthly/annual projections. Compare fees across 12 different banks and UPI apps to find the most cost-effective option for your transaction pattern.
Key UPI Fee Concepts
- MDR (Merchant Discount Rate) - The fee merchants pay to accept UPI payments. Ranges from 0% (small merchants, education, agriculture) to 1.5% (e-commerce). P2P transactions have zero MDR.
- GST on MDR - 18% GST is applied on top of the MDR fee. For example, a ₹9 MDR fee results in ₹1.62 GST, making the total fee ₹10.62.
- Daily Transaction Limits - Most banks set a ₹1,00,000 daily limit for UPI transactions. Some banks allow higher limits (up to ₹5,00,000) for certain customer segments.
- PPI Wallet MDR - Prepaid Payment Instruments (like Paytm Wallet) on UPI attract a 1.1% MDR, which is higher than standard bank account UPI transactions.
Privacy, Security & Availability
This UPI fee and limit calculator processes everything locally in your browser. No transaction data is ever sent to any server, no signup or account is required, and your financial information never leaves your device. The tool is completely free - no hidden fees, no premium tiers, no limitations. Use it as often as you need for as many UPI transactions as you like.
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Frequently Asked Questions About UPI Fee Calculator
A UPI fee calculator is a tool that calculates the transaction fees (MDR) on UPI payments in India. It accounts for the Merchant Discount Rate based on merchant category, applies 18% GST, checks daily and per-transaction limits, and provides a complete fee breakdown for both P2P (Person to Person) and P2M (Person to Merchant) transactions.
Yes. All P2P UPI transactions are completely free with no MDR charged. Whether you're sending money to friends and family via Google Pay, PhonePe, Paytm, or any other UPI app, there is zero transaction fee. However, daily transaction limits set by your bank still apply.
UPI MDR rates vary by merchant category: Small merchants (under ₹2 lakh turnover) pay 0% MDR. General merchants pay 0.9%. Fuel transactions have 0.5% capped at ₹500. E-commerce and large retail pay 1.5%. Education, agriculture, and government payments are at 0%. PPI wallet transactions on UPI pay 1.1% MDR.
Yes, 18% GST is charged on the MDR fee for merchant transactions. For example, if the MDR fee is ₹10, GST adds ₹1.80, making the total charge ₹11.80. This is included in the fee breakdown of our UPI fee calculator.
Most Indian banks set a daily UPI transaction limit of ₹1,00,000. Some banks like Kotak Mahindra offer higher limits of up to ₹2,50,000. Transaction limits can vary by bank, customer segment, and account type. Always check with your specific bank for exact limits.
P2P (Person to Person) transactions are transfers between individual bank accounts - these are always free with no MDR. P2M (Person to Merchant) transactions are payments to businesses for goods and services - these may have MDR fees ranging from 0% to 1.5% depending on the merchant category.
Absolutely. This UPI fee calculator runs entirely in your browser using client-side JavaScript. No transaction data, amounts, or bank information is sent to any server. No signup or account is required, and your financial details never leave your device.
The standard per-transaction limit for UPI is ₹1,00,000 for most banks, though some allow higher limits. Additionally, UPI has a built-in limit of ₹5,000 for transactions specifically to PPIs (Prepaid Payment Instruments). For most bank-to-bank transfers, the per-transaction limit matches the daily limit.
Yes. The UPI fee and limit calculator is ideal for business planning. Enter your expected monthly UPI transaction volume to project monthly and annual MDR costs. Compare fees across banks and UPI apps to optimize your payment acceptance strategy and minimize processing costs.