Minimum KYC Account:


Balance: Up to ₹1 Lakh 

Account Validity: Up to 12 months only

Interest Rates: 3.50%



Card Transactions(digital card), Fund Transfer, and UPI limits:


Total Debit Transactions (ECOM+UPI+Fund Transfer) - ₹20,000/month  

First 72 hours post account creation: ₹2,000/day or 5 Transactions/day 

After 72 hours post account creation: ₹5,000/day or 10 Transactions/day 



Full KYC Account:


Balance: No constraints  

Account Validity: No constraints 


Interest Rates: 


3.5% up to ₹1Lakh
7 % from ₹1Lakh to ₹2Cr
6% above ₹2Cr 


Card Transactions, Fund Transfer, and UPI limits:


Total Debit Transactions - ₹10 Lakhs/day 



VISA Platinum Debit Card:
POS Swipe + Online Transactions: ₹2 Lakhs/day
ATM Withdrawal: ₹1Lakh/day 



Fund Transfer Limit

IMPS - ₹2 Lakhs/day
NEFT or within the bank - ₹5 Lakhs/day



UPI Transaction limits:

Per Transaction Limit - ₹25,000
Daily Transaction Limit - ₹1 Lakh
Daily Transaction Count - 10 (Not valid for P2M)
Monthly Transaction Limit - ₹5 Lakhs
Monthly Transaction Count - 300 (Not valid for P2M)


Within the cooling period (24 hours) i.e. after registration and setting UPI PIN, 10 transactions are allowed and the total amount including all 10 transactions is ₹5,000 




For any concerns , please describe your query in the chat and our support team will assist you. You can also email us at niyox.escalations@goniyo.com.