Complete full KYC on PhonePe
Link your bank account properly
Verify your mobile number with the bank-linked SIM
Set up and activate UPI PIN
Keep your bank account active and in good standing
Use the same mobile number registered with your bank
Update the PhonePe app to the latest version
Check if your bank supports higher UPI limits
Request a limit increase from your bank if available
Use a different payment method if the transaction exceeds UPI limits