Transaction Limits and Fund Transfer Charges

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Transaction Limits

Sl. No. Limit Type Min KYC Wallet Limit (in INR unless other wise specified) Full KYC wallet Limit (in INR unless other wise specified)
1 Max permissible balance amount at any point in time 20K 100K
2 Monthly credit amount limit i.e. Total value of funding permissible during any given calendar month. Includes the following funding modes:
  1. Debit Card
  2. Credit Card
  3. Net Banking
  4. IMPS inward (push from remitter bank)
  5. NEFT inward (push from remitter bank)
  6. Intra transfers (Sigma to sigma, DBS to Sigma)
 20K Unlimited
2.a Monthly Credit card cumulative Limit (Sub set of 2 -Monthly Credit amount limit) 5K 25K
3 Per transaction amount limit for Recharges 5K 5K
4 Per transaction amount limit for Bill payments 10K 100K
5 Max number of Recharges per day 5 times / day 5 times / day
6 Max number of Bill payments per day 5 times / day 5 times / day
7 Daily cumulative debit amount limit. This limit gets consumed if any of the following transactions are performed:
  1. Recharges
  2. Bill payments
  3. Virtual card payments
  4. Funds Transfers (Intra and Inter)
  5. FT charges are not part of this Daily cumulative limit

FT charges are not part of this Daily cumulative limit

 10K 100K
8 Monthly cumulative debit amount limit - This limit gets consumed if any of the following transactions are performed:
  1. Recharges
  2. Bill payments
  3. Virtual card payments
  4. Funds Transfers (Intra and Inter)
  5. NEFT inward (push from remitter bank)

FT charges are not part of this Daily cumulative limit

 20K 1000K
9 Threshold for second factor authentication threshold for the following payment modes:
  1. Recharge
  2. Bill Payment
  3. Virtual card payments
  4. Funds Transfers
 No 2 FA for transactions initiated within app. However, transactions initiated from Kasisto will be subject to 2FA by way of SMS OTP All Transactions, either initiated in-app or via Kasisto will be subject to 2FA by way of SMS OTP
10.a Per tran Max value of Top-up transaction through IMPS inward or NEFT inward or Intra bank inward (DBS A/c to Sigma wallet) 10K 100K
10.b Per tran Max value of Top-up transaction through Net banking 10K 100K
10.c Per tran Max value of Top-up transaction through Debit card, Debit + PIN 5K 100K
10.d Per tran Max value of Top-up transaction through Credit card 10K 100K

Funds Transfer Limits – Min KYC wallet

    Sigma to Sigma Intra bank Sigma to DBS Inter bank Sigma to Non DBS Inter bank
11 Daily Funds transfer Limit (Subset of 7 daily debit limit) 2K 2K 2K
12 Monthly Funds transfer Limit (Subset of 8 monthly debit limit) 10K 5K 5K
13 Per transaction Funds transfer limit (P2A – Account number, IFSC based) 2K 2K 2K
14 Per transaction Funds transfer limit (P2P – Mobile transfer) 2K NA NA
15 Per transaction Funds transfer limit (P2P – MMID transfer) 2K

Funds Transfer Limits – Full KYC wallet

    Sigma to Sigma Intra bank Sigma to DBS Inter bank Sigma to Non DBS Inter bank
16 Daily Funds transfer Limit (Subset of 7 daily debit limit) 2K 2K 2K
17 Monthly Funds transfer Limit (Subset of 8 monthly debit limit) 10K 5K 5K
18 Per transaction Funds transfer limit (P2A – Account number, IFSC based) 2K 2K 2K
19 Per transaction Funds transfer limit (P2P – Mobile transfer) 2K NA NA
20 Per transaction Funds transfer limit (P2P – MMID transfer) 2K

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Fund Transfer Charges

Funds Transfer Charges
From RuPiZo e-Wallet to RuPiZo e-Wallet Free
From RuPiZo e-Wallet to any other DBS Bank Account (A) INR 1 to INR 1000: No charges
(B) Above INR 1000: Upto 4%* of the fund transfer amount (inclusive of taxes)
From RuPiZo e-Wallet to any third party (non-DBS Bank) account (A) INR 1 to INR 1000: No charges
(B) Above INR 1000: Upto 4%* of the fund transfer amount (inclusive of taxes)

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