There is no single Wise limit that answers every India transfer question. Your sending currency, payment method and INR payout route can each impose a cap. Wise explains those dependencies in its general limits guidance. Check the limits that apply to the complete payment, not just the largest number on a currency page.
Published INR payout limits
The following figures were checked on September 5, 2026 in Wise’s INR transfer guide:
| Scenario | Published figure | Scope |
|---|---|---|
| Private individual sending to a private individual | Up to ₹100,000,000 | Per transfer |
| IMPS recipient | Up to ₹500,000 | Threshold listed for instant payout |
| UPI recipient | Up to ₹200,000 | Threshold listed for instant payout |
| Sender or recipient is a business | Up to ₹1,500,000 | Per working day |
These are payout figures. Check the method offered in your quote; earlier funding and checks still take time. Official INR limits and conditions.
Check three separate limits
| Layer | Where to look | Question to answer |
|---|---|---|
| Your bank or card | Your funding account’s limit settings or support | Can I pay this amount using this method today? |
| Wise funding/account | Account limits and the sending-currency guide | Is there a transaction cap or a rolling-period allowance? |
| INR delivery | The recipient method in the quote | Can this recipient receive this amount through the selected payout method? |
For US connected-account ACH funding, Wise directs customers to their profile’s limits settings for the exact account allowance. Check those settings instead of applying the India payout maximum to an ACH debit. US ACH account limits.
Example: a payout cap does not override a bank cap
Suppose your bank permits a hypothetical $5,000 outgoing payment today, while you want to fund a $12,000 transfer. Even if the INR delivery amount is within its cap, your selected bank payment cannot fund the whole transfer in one instruction under that assumed limit.
Ask your bank about its permitted options before changing the transfer. Wise’s bank-limit guidance discusses requesting a limit increase and other supported funding arrangements. Do not divide payments to conceal their total or avoid verification.
Limits are not purpose approval
Wise’s INR guide excludes investment and charitable-donation payments to India and restricts transfers from nonprofit organizations. Check the payment-purpose restrictions even when the amount is below the listed limit.
Sending to INR and sending from INR are different directions. This page addresses inbound payments to India; do not apply an outward-remittance allowance to this table.
What should I do if Wise rejects the amount?
Record the message and check which layer it identifies. If the reason is unclear, ask support whether the restriction concerns funding, your account or the recipient method. Before proceeding with a large payment, read document and safety checks and how to compare the total cost.