Zerodha eMandate daily limit: eNACH and UPI AutoPay caps explained

An eMandate on Zerodha lets you schedule automatic, recurring fund transfers from your bank account to your trading account or your Coin mutual-fund SIPs. The single question most investors ask before they register one is simple: how much can move under a mandate in a day? The answer is not a single number. It depends on which of the two mandate types you use, and, awkwardly, Zerodha’s own support pages disagree with each other on the figure. This page sets out both limits, attributes each to the exact Zerodha source and the date we observed it, and flags the contradiction plainly so you are not caught out.

Two mandate types, two different limits

Zerodha offers two ways to authorise recurring debits, and the daily limit is not the same for both.

The first is the bank eNACH mandate, sometimes called a bank mandate. You authorise it through your bank’s net-banking login or your debit card, and it is the route used by the Console eMandate for transferring funds into your trading account. Setting one up is covered in our walkthrough on how to set up a net-banking eMandate on Zerodha . An eNACH mandate typically activates in about three working days, and the Console flow notes it can take up to five days for the bank to activate.

The second is the UPI AutoPay mandate, which you authorise inside your UPI app with your UPI PIN. It is the faster route, usually active almost immediately, and it is the one most Coin SIP investors use. Our step-by-step on how to set up a UPI eMandate on Zerodha covers that flow, and how to set up a SIP with UPI AutoPay on Coin shows it applied to a fund SIP.

The limit differs between the two because they sit on different rails. eNACH runs on the NPCI National Automated Clearing House, which is built for large recurring corporate and retail debits. UPI AutoPay runs on the UPI rail, which carries its own transaction ceilings. That is why the two numbers below are not the same.

The eNACH daily limit: ₹1 crore per day

On its eMandate transaction-limit page, Zerodha states that you can transfer up to ₹1 crore per day through eNACH mandates. We observed this figure on 30 June 2026 at the Zerodha support page for eMandate transaction limits (see the references below).

Two practical points sit alongside that headline number. First, you may run more than one schedule under a mandate, but Zerodha is explicit that the combined daily debits must stay within the ₹1 crore cap. If two schedules would together debit more than ₹1 crore on the same date, the cap still applies to the total, not to each schedule separately. Second, if you genuinely need to move more than ₹1 crore in a day, Zerodha’s guidance is to use a manual funding method instead of the mandate. Our guide on how to add funds to Zerodha via UPI covers one such manual route.

The ₹1 crore figure is also the ceiling Zerodha cites when it describes the eMandate itself. The setup page frames a mandate as a way to schedule automatic recurring transfers of up to ₹1 crore at pre-set schedules, which lines up with the eNACH daily cap.

The UPI AutoPay daily limit: ₹1 lakh per day

On its dedicated UPI AutoPay page, Zerodha states that the maximum daily limit for UPI AutoPay is ₹1 lakh per day, including UPI transaction limits. We observed this figure on 30 June 2026 at the Zerodha Coin support page for UPI AutoPay (see the references).

The phrase “including UPI transaction limits” matters. It means your bank’s own daily UPI ceiling and any per-app UPI cap sit inside this ₹1 lakh figure, rather than on top of it. If your bank caps UPI at a lower amount, that lower amount is your effective limit. This is one reason a large monthly SIP is often better run through an eNACH mandate than through UPI AutoPay: the eNACH rail carries the far higher ₹1 crore ceiling.

If you are choosing between the two rails on grounds other than the limit, our explainer on UPI 2.0 mandates and the broader UPI mandate reference set out how the AutoPay mechanism works end to end.

The contradiction in Zerodha’s own documentation

This is the part you must read carefully, because Zerodha’s pages do not agree with each other.

• The dedicated UPI AutoPay page states the UPI AutoPay daily limit is ₹1 lakh per day.
• The Coin SIP-mandate overview page states, in general terms, that the maximum daily limit for each mandate is ₹1 crore per day, without separating eNACH from UPI AutoPay.

Read literally, the overview page implies a UPI AutoPay mandate can debit up to ₹1 crore a day, which flatly contradicts the ₹1 lakh figure on the page written specifically about UPI AutoPay. Both statements were live on Zerodha’s support site on 30 June 2026.

We do not paper over this by inventing a single blended number. Our reading, and the one we recommend you rely on, is:

• eNACH mandate: ₹1 crore per day.
• UPI AutoPay mandate: ₹1 lakh per day.

The reason we treat the ₹1 lakh figure as authoritative for UPI AutoPay is that it appears on the page written specifically about UPI AutoPay, whereas the ₹1 crore figure appears on a general overview page that covers both mandate types in one sentence. A specific source usually overrides a general one. That said, because Zerodha’s documentation genuinely conflicts, you should confirm the current UPI AutoPay ceiling on the dedicated Zerodha page before you schedule anything close to ₹1 lakh, and if you are relying on a high UPI AutoPay limit, raise a ticket with Zerodha support to get it confirmed in writing. Limits of this kind are also revised from time to time, so the figures on this page carry the date we observed them for exactly that reason.

How the limits interact with multiple schedules and SIPs

A common source of confusion is what happens when you attach several instructions to one mandate. Zerodha’s rule is that a single SIP cannot be linked to multiple mandates, but multiple SIPs can be linked to a single mandate. So one eNACH mandate can drive, say, four fund SIPs and a recurring trading-account top-up at once.

The daily limit then applies to the total debited on any given date, not to each SIP. If four SIPs and a transfer all fall on the same day, add up what they will debit and check that the total sits within the mandate’s daily cap. If they would breach it, stagger the dates. Our guide on how to schedule an eMandate transfer on Zerodha shows how to set the dates, and it is worth remembering that the account is debited one working day before the scheduled date, so plan the balance accordingly.

There is one date restriction to keep in mind: Zerodha does not let you link a mandate when the SIP due date falls on the T+2 day. And current accounts cannot be used to create eMandates at all; only primary and secondary savings accounts qualify, which is why some investors add a secondary bank account on Zerodha specifically for their mandate.

The NPCI and RBI framework limits are a different thing

You will often see the figures ₹15,000 and ₹1 lakh quoted in connection with UPI AutoPay, including in our own UPI eMandate setup guide . It is important to understand that these are NPCI and Reserve Bank of India framework figures, not Zerodha limits, and they answer a different question.

Under the RBI e-mandate framework for recurring transactions, when you register an e-mandate the first time you authenticate it with an additional factor such as a UPI PIN or an OTP. After that, each recurring debit up to ₹15,000 is processed automatically, without you re-authenticating every time. The RBI raised this additional-factor-authentication exemption to ₹1 lakh for specific categories including mutual-fund subscriptions, insurance premiums and credit-card bill payments. Above those thresholds the debit needs authentication each time.

So the ₹15,000 and ₹1 lakh AFA figures describe when you must re-enter a PIN, whereas Zerodha’s ₹1 crore and ₹1 lakh figures describe how much can move in a day on each rail. They are separate layers. We attribute the AFA thresholds to the NPCI and the Reserve Bank of India , not to Zerodha, and note that the RBI consolidated these rules in its Digital Payments E-mandate Framework. Because these framework numbers are periodically revised by the regulator, treat the values here as indicative and confirm the current figure from an official NPCI or RBI source before you depend on it.

What to do if you need to move more than the limit

If a single transfer exceeds your mandate’s daily cap, the mandate is simply the wrong tool for that transfer. Zerodha’s own advice for amounts above the eNACH cap is to use a manual funding method. In practice that means a one-off UPI or net-banking transfer for the excess, then let the mandate handle the recurring portion. Our page on how to add funds to Zerodha via UPI covers the manual route, and if you want the mandate to carry as much as possible, use eNACH rather than UPI AutoPay so you are working against the ₹1 crore ceiling rather than the ₹1 lakh one.

If your debits keep failing at a level well below the limit, the problem is usually not the cap but a bank-side issue such as insufficient balance or a mandate that has not activated. Those symptoms are covered in Zerodha eMandate troubleshooting and in our guide on how to fix a failed SIP debit .

See also

To set a mandate up, see how to set up a UPI eMandate on Zerodha or how to set up a net-banking eMandate on Zerodha . To understand the cost side of the same mandate, read our companion page on Zerodha eMandate charges . To stop or change a mandate, see how to cancel an eMandate on Zerodha . For the broader concept, the Zerodha eMandate hub ties these together, and how to create a stock SIP on Kite shows the mandate driving equity SIPs.

References

1. Zerodha Support, “What is the transaction limit for eMandate?”, support.zerodha.com, observed 30 June 2026: https://support.zerodha.com/category/funds/mandate/other-emandate-related-queries/articles/emandate-transaction-limit
2. Zerodha Support, “UPI autopay”, coin-mandates, support.zerodha.com, observed 30 June 2026: https://support.zerodha.com/category/mutual-funds/payments-and-orders/coin-mandates/articles/upi-autopay
3. Zerodha Support, “SIP mandate on Coin”, coin-mandates, support.zerodha.com, observed 30 June 2026 (the page stating a ₹1 crore per-mandate daily limit): https://support.zerodha.com/category/mutual-funds/payments-and-orders/coin-mandates/articles/sip-mandate-on-coin
4. Zerodha Support, “How to set up eMandates?”, support.zerodha.com, observed 30 June 2026: https://support.zerodha.com/category/funds/mandate/how-to-set-up-emandates/articles/setup-emandate
5. Reserve Bank of India , “Processing of e-mandates for recurring transactions”, additional-factor-authentication relaxation raised to ₹1 lakh for mutual funds, insurance and credit-card bills, as consolidated in the Digital Payments E-mandate Framework; and NPCI UPI AutoPay operating guidelines, npci.org.in.

Disclosure: WebNotes is an independent educational resource and is not affiliated with, endorsed by, or partnered with Zerodha. The limit figures on this page were transcribed from Zerodha’s official support pages on the date shown and may change. We earn no commission on any account or product mentioned here. Always confirm current limits on the official Zerodha support pages before acting.