Everyday tax · 2 min read
Cash limits depend on the transaction.
Cash held at home, cash receipts and cash loans are different questions.
Educational guide · Updated 19 September 2026 · FY 2025–26 / AY 2026–27
The quick answer
There is no single “personal cash limit” that answers every situation. The rules distinguish receipts, loans, repayments, business expenses and withdrawals.
A key receipt restriction for FY 2025–26
Section 269ST generally restricts cash receipts of ₹2 lakh or more: from a person in a day, for a single transaction, or for transactions relating to one event or occasion from a person. Exceptions and other provisions can apply.
Before making a cash transaction
- Identify whether it is a receipt, loan, repayment or expense.
- Check linked instalments and transactions; splitting receipts may not avoid a restriction.
- Keep a clear source-of-funds record and ask about the exact scenario.
Sources & further reading
General educational information, not an individual tax opinion. Facts and filing-year rules determine your treatment; confirm current requirements before acting.
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