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Get a detailed guide on what UPI Lite is, their safety features, UPI Lite and UPI Lite X transaction limit. Discover how UPI Lite works and its benefits. UPI Lite is an on-device wallet service provided by select banks that allow low-value transactions up to ₹200 through the BHIM app. Let’s see how it works. Learn how UPI and UPI Lite are different payment systems for online and offline transactions in India. Compare transaction limits, functionality, bank statement and more with HDFC Bank's PayZapp app. UPI Lite Limit Per Day in 2025 Within the UPI Lite system, you have the flexibility to spend a maximum of ₹10,000 per day on instant transactions, with an upper limit of ₹1,000 per transaction. Moreover, you can maintain a maximum balance of ₹5,000 in your UPI Lite wallet at a given time. What is UPI Lite X?