Disclaimer: My experience is NEC (US) Industrial - and my response is limited to that area.
budhiman -
As you can see from the responses, a bit more context will help.
Is your application utility? If so I agree, 125% is ridiculously low. Utilities like to set the OCP just short of self-sustaining incandescence. But, not my area.
However, if the application is on the customer side of the service point, then the electrons behave differently.
As dpc mentioned, NEC, Article 450 applies.
Generally speaking there are two flavors of transformer feeders, and about a million sub-categories. I'm going top stick with the two for this post.
1. MV primary/LV secondary (example 13.8KV/480V)
Primary OPC generally set 200% - 300%. NEC limits vary depending on transformer impedance, CB or fuse, and if supervised location.
Secondary OCP generally set at 125%. Again NEC limits vary.
Most important, is to set the primary (and secondary) OCP to trip inside on the transformer damage curve. IEEE C57.109 has some guidance.
2. LV primary/LV secondary (example 480V/208V)
Primary OCP generally set 125% - 250%. And as dpc mentioned, with coordinated thermal overload protection, primary OCP could be as high as 6X FLA.
Secondary OCP set to 125% or none.
My experience is 125% primary will cover inrush. Although reverse fed can be a problem. See
GE XformerWhitepaper2
budhiman said:
Is there a reason to use 125% factor from any standard or it is account for some overload (FA rating if applicable)?
From standard? - Yes
Account for some overload? - yes
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