diff --git a/.vscode/settings.json b/.vscode/settings.json
index f05d849..fef8a46 100644
--- a/.vscode/settings.json
+++ b/.vscode/settings.json
@@ -3,6 +3,7 @@
         "MPIN",
         "occured",
         "otpgenerator",
+        "TLIMIT",
         "tpassword",
         "tpin",
         "TPWORD"
diff --git a/src/app.js b/src/app.js
index d2a7472..f593fc3 100644
--- a/src/app.js
+++ b/src/app.js
@@ -3,6 +3,7 @@ const cors = require('cors');
 const { logger } = require('./util/logger');
 const routes = require('./routes');
 const helmet = require('helmet');
+const { verifyClient } = require('./middlewares/clientVerifier.middleware');
 
 const app = express();
 
@@ -11,7 +12,7 @@ app.use(helmet());
 app.use(express.json());
 app.use(express.urlencoded({ extended: true }));
 
-app.use('/api', routes);
+app.use('/api', verifyClient, routes);
 app.get('/health', (_, res) => res.send('server is healthy'));
 app.use((err, _req, res, _next) => {
   logger.error(err, 'uncaught error');
diff --git a/src/controllers/imps.controller.js b/src/controllers/imps.controller.js
index 20129e6..845d2aa 100644
--- a/src/controllers/imps.controller.js
+++ b/src/controllers/imps.controller.js
@@ -12,7 +12,8 @@ async function send(
   ifscCode,
   beneficiaryName,
   beneficiaryAcctType = 'SAVINGS',
-  remarks = ''
+  remarks = '',
+  client
 ) {
   try {
     const reqData = {
@@ -42,7 +43,8 @@ async function send(
       amount,
       '',
       '',
-      response.data
+      response.data,
+      client
     );
     return response.data;
   } catch (error) {
diff --git a/src/controllers/neft.controller.js b/src/controllers/neft.controller.js
index a5c9a6e..b6d4488 100644
--- a/src/controllers/neft.controller.js
+++ b/src/controllers/neft.controller.js
@@ -11,7 +11,8 @@ async function send(
   ifscCode,
   beneficiaryName,
   remitterName,
-  remarks
+  remarks,
+  client
 ) {
   const commission = 0;
   try {
@@ -28,7 +29,7 @@ async function send(
         stAddress1: '',
         stAddress2: '',
         stAddress3: '',
-	narration: remarks
+        narration: remarks,
       }
     );
     await recordInterBankTransaction(
@@ -41,7 +42,8 @@ async function send(
       commission,
       beneficiaryName,
       remitterName,
-      response.data.status
+      response.data.status,
+      client
     );
     return response.data;
   } catch (error) {
@@ -49,8 +51,6 @@ async function send(
       'API call failed: ' + (error.response?.data?.message || error.message)
     );
   }
-  
-  
 }
 
 module.exports = { send };
diff --git a/src/controllers/otp.controller.js b/src/controllers/otp.controller.js
index 231bd7d..88ceb5d 100644
--- a/src/controllers/otp.controller.js
+++ b/src/controllers/otp.controller.js
@@ -107,6 +107,13 @@ async function SendOtp(req, res) {
       case 'USERNAME_SAVED':
         message = templates.USERNAME_SAVED(PreferName);
         break;
+      case 'TLIMIT':
+        otp = generateOTP(6);
+        message = templates.TLIMIT(otp);
+        break;
+      case 'TLIMIT_SET':
+        message = templates.TLIMIT_SET(amount);
+        break;
       default:
         return res.status(400).json({ error: 'Invalid OTP type' });
     }
diff --git a/src/controllers/rtgs.controller.js b/src/controllers/rtgs.controller.js
index 1e04e2d..0305673 100644
--- a/src/controllers/rtgs.controller.js
+++ b/src/controllers/rtgs.controller.js
@@ -11,7 +11,8 @@ async function send(
   ifscCode,
   beneficiaryName,
   remitterName,
-  remarks
+  remarks,
+  client
 ) {
   const commission = 0;
   try {
@@ -28,7 +29,8 @@ async function send(
         stAddress1: '',
         stAddress2: '',
         stAddress3: '',
-	narration: remarks
+        narration: remarks,
+        client,
       }
     );
     await recordInterBankTransaction(
@@ -41,7 +43,8 @@ async function send(
       commission,
       beneficiaryName,
       remitterName,
-      response.data.status
+      response.data.status,
+      client
     );
     return response.data;
   } catch (error) {
diff --git a/src/controllers/transfer.controller.js b/src/controllers/transfer.controller.js
index 028c49d..db6156d 100644
--- a/src/controllers/transfer.controller.js
+++ b/src/controllers/transfer.controller.js
@@ -9,7 +9,8 @@ async function transfer(
   toAccountType,
   amount,
   customerNo,
-  narration = ''
+  narration = '',
+  client
 ) {
   try {
     const response = await axios.post(
@@ -28,7 +29,8 @@ async function transfer(
       toAccountNo,
       toAccountType,
       amount,
-      response.data.status
+      response.data.status,
+      client
     );
     return response.data;
   } catch (error) {
diff --git a/src/middlewares/clientVerifier.middleware.js b/src/middlewares/clientVerifier.middleware.js
new file mode 100644
index 0000000..19889a9
--- /dev/null
+++ b/src/middlewares/clientVerifier.middleware.js
@@ -0,0 +1,20 @@
+const { logger } = require('../util/logger');
+
+function verifyClient(req, res, next) {
+  const clientHeader = req.headers['x-login-type'];
+
+  if (!clientHeader || (clientHeader !== 'MB' && clientHeader !== 'IB' && clientHeader !== 'eMandate' && clientHeader !=='Admin')) {
+    logger.error(
+      `Invalid or missing client header. Expected 'MB' or 'IB'. Found ${clientHeader}`
+    );
+
+    return res
+      .status(401)
+      .json({ error: 'MISSING OR INVALID CLIENT TYPE HEADER' });
+  }
+
+  req.client = clientHeader;
+  next();
+}
+
+module.exports = { verifyClient };
diff --git a/src/middlewares/limitCheck.middleware.js b/src/middlewares/limitCheck.middleware.js
new file mode 100644
index 0000000..12d6ac1
--- /dev/null
+++ b/src/middlewares/limitCheck.middleware.js
@@ -0,0 +1,28 @@
+const { logger } = require('../util/logger');
+const {
+  getDailyLimit,
+  getUsedLimit,
+} = require('../services/paymentLimit.service');
+
+async function checkLimit(req, res, next) {
+  const { amount } = req.body;
+  const { user, client } = req;
+  const dailyLimit = await getDailyLimit(user, client);
+  if (!dailyLimit) {
+    logger.info('NO LIMIT SET FOR CUSTOMER. ALLOWING TRANSACTIONS');
+    next();
+  }
+  const usedLimit = await getUsedLimit(user, client);
+
+  const remainingLimit = dailyLimit - usedLimit;
+
+  if (amount > remainingLimit) {
+    const midnight = new Date();
+    midnight.setHours(24, 0, 0, 0);
+    res.set('Retry-After', midnight.toUTCString());
+    return res.status(403).json({ error: 'Daily limit exhausted' });
+  }
+  next();
+}
+
+module.exports = { checkLimit };
diff --git a/src/routes/customer_details.route.js b/src/routes/customer_details.route.js
index 7e1114d..ec17cde 100644
--- a/src/routes/customer_details.route.js
+++ b/src/routes/customer_details.route.js
@@ -1,5 +1,13 @@
 const customerController = require('../controllers/customer_details.controller');
+const {
+  getDailyLimit,
+  getUsedLimit,
+  setDailyLimit,
+} = require('../services/paymentLimit.service');
 const { logger } = require('../util/logger');
+const express = require('express');
+
+const router = express.Router();
 
 const customerRoute = async (req, res) => {
   const customerNo = req.user;
@@ -12,4 +20,45 @@ const customerRoute = async (req, res) => {
   }
 };
 
-module.exports = customerRoute;
+const limitRoute = async (req, res) => {
+  const customerNo = req.user;
+  const client = req.client;
+
+  try {
+    const dailyLimit = await getDailyLimit(customerNo, client);
+    if (!dailyLimit) {
+      return res.status(400).json({ error: 'NO DAILY LIMIT SET FOR USER' });
+    }
+    const usedLimit = await getUsedLimit(customerNo, client);
+    res.json({ dailyLimit: dailyLimit, usedLimit: usedLimit });
+  } catch (err) {
+    logger.error(err, 'Unknown error encountered while checking daily limit');
+    res.status(500).json({ error: 'INTERNAL_SERVER_ERROR' });
+  }
+};
+const limitChangeRoute = async (req, res) => {
+  const customerNo = req.user;
+  const client = req.client;
+  const { amount } = req.body;
+  const numericLimit = Number(amount);
+
+  if (!Number.isFinite(numericLimit)) {
+    logger.error(`Invalid new Limit, found: ${newLimit}`);
+    return res
+      .status(400)
+      .json({ error: 'NEW LIMIT AMOUNT IS REQUIRED WHEN SETTING LIMIT' });
+  }
+  try {
+    await setDailyLimit(customerNo, client, numericLimit);
+    return res.status(200).json({ message: 'LIMIT SET' });
+  } catch (err) {
+    logger.error(err, 'Unexpected error while setting limit amount');
+    res.status(500).json({ error: 'INTERNAL SERVER ERROR' });
+  }
+};
+
+router.get('/', customerRoute);
+router.get('/daily-limit', limitRoute);
+router.post('/daily-limit', limitChangeRoute);
+
+module.exports = router;
diff --git a/src/routes/imps.route.js b/src/routes/imps.route.js
index 83f8f49..f663283 100644
--- a/src/routes/imps.route.js
+++ b/src/routes/imps.route.js
@@ -3,13 +3,15 @@ const impsController = require('../controllers/imps.controller');
 const { logger } = require('../util/logger');
 const impsValidator = require('../validators/imps.validator');
 const paymentSecretValidator = require('../validators/payment.secret.validator');
+const { checkLimit } = require('../middlewares/limitCheck.middleware');
 
 const router = express.Router();
-router.use(impsValidator, paymentSecretValidator);
+router.use(impsValidator, paymentSecretValidator, checkLimit);
 
 const impsRoute = async (req, res) => {
   const { fromAccount, toAccount, ifscCode, amount, beneficiaryName, remarks } =
     req.body;
+  const client = req.client;
 
   try {
     const result = await impsController.send(
@@ -20,7 +22,8 @@ const impsRoute = async (req, res) => {
       ifscCode,
       beneficiaryName,
       'SAVINGS',
-      remarks
+      remarks,
+      client
     );
 
     if (result.startsWith('Message produced successfully')) {
diff --git a/src/routes/index.js b/src/routes/index.js
index a779232..8dd7a6f 100644
--- a/src/routes/index.js
+++ b/src/routes/index.js
@@ -1,6 +1,6 @@
 const express = require('express');
 const authRoute = require('./auth.route');
-const adminAuthRoute =require('./admin_auth.route');
+const adminAuthRoute = require('./admin_auth.route');
 const detailsRoute = require('./customer_details.route');
 const transactionRoute = require('./transactions.route');
 const authenticate = require('../middlewares/auth.middleware');
@@ -15,7 +15,7 @@ const otp = require('./otp.route');
 const router = express.Router();
 
 router.use('/auth', authRoute);
-router.use('/auth/admin',adminAuthRoute);
+router.use('/auth/admin', adminAuthRoute);
 router.use('/customer', authenticate, detailsRoute);
 router.use('/transactions/account/:accountNo', authenticate, transactionRoute);
 router.use('/payment/transfer', authenticate, transferRoute);
@@ -26,5 +26,4 @@ router.use('/beneficiary', authenticate, beneficiaryRoute);
 router.use('/npci/beneficiary-response', npciResponse);
 router.use('/otp', otp);
 
-
 module.exports = router;
diff --git a/src/routes/neft.route.js b/src/routes/neft.route.js
index 19e6a57..bccbed7 100644
--- a/src/routes/neft.route.js
+++ b/src/routes/neft.route.js
@@ -3,9 +3,10 @@ const neftController = require('../controllers/neft.controller');
 const { logger } = require('../util/logger');
 const neftValidator = require('../validators/neft.validator.js');
 const paymentSecretValidator = require('../validators/payment.secret.validator');
+const { checkLimit } = require('../middlewares/limitCheck.middleware');
 
 const router = express.Router();
-router.use(neftValidator, paymentSecretValidator);
+router.use(neftValidator, paymentSecretValidator, checkLimit);
 
 const neftRoute = async (req, res) => {
   const {
@@ -15,8 +16,9 @@ const neftRoute = async (req, res) => {
     amount,
     beneficiaryName,
     remitterName,
-    remarks
+    remarks,
   } = req.body;
+  const client = req.client;
 
   try {
     const result = await neftController.send(
@@ -27,7 +29,8 @@ const neftRoute = async (req, res) => {
       ifscCode,
       beneficiaryName,
       remitterName,
-      remarks
+      remarks,
+      client
     );
     logger.info(result);
 
diff --git a/src/routes/rtgs.route.js b/src/routes/rtgs.route.js
index 7c7348e..7534715 100644
--- a/src/routes/rtgs.route.js
+++ b/src/routes/rtgs.route.js
@@ -3,9 +3,10 @@ const rtgsController = require('../controllers/rtgs.controller');
 const { logger } = require('../util/logger');
 const rtgsValidator = require('../validators/rtgs.validator.js');
 const paymentSecretValidator = require('../validators/payment.secret.validator');
+const { checkLimit } = require('../middlewares/limitCheck.middleware');
 
 const router = express.Router();
-router.use(rtgsValidator, paymentSecretValidator);
+router.use(rtgsValidator, paymentSecretValidator, checkLimit);
 
 const rtgsRoute = async (req, res) => {
   const {
@@ -15,8 +16,9 @@ const rtgsRoute = async (req, res) => {
     amount,
     beneficiaryName,
     remitterName,
-    remarks
+    remarks,
   } = req.body;
+  const client = req.client;
 
   try {
     const result = await rtgsController.send(
@@ -27,7 +29,8 @@ const rtgsRoute = async (req, res) => {
       ifscCode,
       beneficiaryName,
       remitterName,
-      remarks
+      remarks,
+      client
     );
 
     if (result.status.startsWith('O.K.')) {
diff --git a/src/routes/transfer.route.js b/src/routes/transfer.route.js
index 0b94475..6602b4d 100644
--- a/src/routes/transfer.route.js
+++ b/src/routes/transfer.route.js
@@ -3,12 +3,14 @@ const { logger } = require('../util/logger');
 const express = require('express');
 const transferValidator = require('../validators/transfer.validator');
 const passwordValidator = require('../validators/payment.secret.validator.js');
+const { checkLimit } = require('../middlewares/limitCheck.middleware');
 
 const router = express.Router();
-router.use(passwordValidator, transferValidator);
+router.use(passwordValidator, transferValidator, checkLimit);
 
 const transferRoute = async (req, res) => {
   const { fromAccount, toAccount, toAccountType, amount, remarks } = req.body;
+  const client = req.client;
   try {
     const result = await transferController.transfer(
       fromAccount,
@@ -16,7 +18,8 @@ const transferRoute = async (req, res) => {
       toAccountType,
       amount,
       req.user,
-      remarks
+      remarks,
+      client
     );
 
     if (result.status === 'O.K.') {
diff --git a/src/services/paymentLimit.service.js b/src/services/paymentLimit.service.js
new file mode 100644
index 0000000..b4acba7
--- /dev/null
+++ b/src/services/paymentLimit.service.js
@@ -0,0 +1,38 @@
+const db = require('../config/db');
+const { logger } = require('../util/logger');
+
+async function getDailyLimit(customerNo, clientType) {
+  let query = '';
+  if (clientType === 'IB') {
+    query = `SELECT inb_limit_amount AS daily_limit FROM users WHERE customer_no = $1`;
+  } else {
+    query = `SELECT mobile_limit_amount AS daily_limit FROM users WHERE customer_no = $1`;
+  }
+
+  const result = await db.query(query, [customerNo]);
+  return result.rows[0].daily_limit;
+}
+
+async function getUsedLimit(customerNo, clientType) {
+  let query = `SELECT SUM(amount::numeric) AS used_limit FROM transactions WHERE created_at BETWEEN CURRENT_DATE AND (CURRENT_DATE + INTERVAL '1 day') AND customer_no = $1 AND client = $2`;
+  const result = await db.query(query, [customerNo, clientType]);
+  const usedLimit = result.rows[0].used_limit;
+  return Number(usedLimit);
+}
+
+async function setDailyLimit(customerNo, clientType, amount) {
+  let query = '';
+  if (clientType === 'IB') {
+    query = `UPDATE users SET inb_limit_amount = $1 WHERE customer_no = $2`;
+  } else {
+    query = `UPDATE users SET mobile_limit_amount = $1 WHERE customer_no = $2`;
+  }
+
+  const result = await db.query(query, [amount, customerNo]);
+  if (result.rowCount === 0) {
+    throw new Error('No rows affected');
+  }
+  logger.info(`set new limit: ${result.rowCount} rows affected`);
+}
+
+module.exports = { getDailyLimit, getUsedLimit, setDailyLimit };
diff --git a/src/services/recordkeeping.service.js b/src/services/recordkeeping.service.js
index 43fa20a..84ba0eb 100644
--- a/src/services/recordkeeping.service.js
+++ b/src/services/recordkeeping.service.js
@@ -6,11 +6,12 @@ const recordIntraBankTransaction = async (
   toAccount,
   accountType,
   amount,
-  status
+  status,
+  clientType
 ) => {
   const trxType = 'TRF';
   const query =
-    'INSERT INTO transactions (customer_no, trx_type, from_account, to_account, to_account_type, amount, status) VALUES ($1, $2, $3, $4, $5, $6, $7)';
+    'INSERT INTO transactions (customer_no, trx_type, from_account, to_account, to_account_type, amount, status, client) VALUES ($1, $2, $3, $4, $5, $6, $7, $8)';
   await db.query(query, [
     customerNo,
     trxType,
@@ -19,6 +20,7 @@ const recordIntraBankTransaction = async (
     accountType,
     amount,
     status,
+    clientType,
   ]);
 };
 const recordInterBankTransaction = async (
@@ -31,10 +33,11 @@ const recordInterBankTransaction = async (
   commission,
   beneficiaryName,
   remitterName,
-  status
+  status,
+  clientType
 ) => {
   const query =
-    'INSERT INTO transactions (customer_no, trx_type, from_account, to_account, ifsc_code, amount, commission, beneficiary_name, remitter_name, status) VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10)';
+    'INSERT INTO transactions (customer_no, trx_type, from_account, to_account, ifsc_code, amount, commission, beneficiary_name, remitter_name, status, client) VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9, $10, $11)';
   await db.query(query, [
     customerNo,
     trxType,
@@ -46,6 +49,7 @@ const recordInterBankTransaction = async (
     beneficiaryName,
     remitterName,
     status,
+    clientType,
   ]);
 };
 
diff --git a/src/util/sms_template.js b/src/util/sms_template.js
index e4a6373..63d8251 100644
--- a/src/util/sms_template.js
+++ b/src/util/sms_template.js
@@ -52,7 +52,13 @@ const templates = {
     `Dear Customer, Your OTP for updating your Preferred Name is ${otp}. It is valid for 1 minute. Do not share this OTP with anyone. -KCCB`,
 
   USERNAME_SAVED: (PreferName) =>
-    `Dear Customer, Your Preferred Name -${PreferName}  has been updated successfully. If this change was not made by you, please contact our support team immediately.`
+    `Dear Customer, Your Preferred Name -${PreferName}  has been updated successfully. If this change was not made by you, please contact our support team immediately.`,
+  
+  TLIMIT :(otp) =>
+    `Dear Customer,Please complete the transaction limit set with ${otp}. -KCCB`,
+
+  TLIMIT_SET :(amount) =>
+    `Dear Customer,Your transaction limit for Internet Banking is set to Rs ${amount}. -KCCB`,
 };
 
 module.exports = templates;
\ No newline at end of file