Using the upper bound on the inelastic reaction cross-section implied by S-matrix unitarity, we derive the thermally averaged maximum dark matter (DM) annihilation rate for general $k rightarrow 2$ number-changing reactions, with $k geq 2$, taking place either entirely within the dark sector, or involving standard model fields. This translates to a maximum mass of the particle saturating the observed DM abundance, which, for dominantly $s$-wave annihilations, is obtained to be around $130$ TeV, $1$ GeV, $7$ MeV and $110$ keV, for $k=2,3,4$ and $5$, respectively, in a radiation dominated Universe, for a real or complex scalar DM stabilized by a minimal symmetry. For modified thermal histories in the pre-big bang nucleosynthesis era, with an intermediate period of matter domination, values of reheating temperature higher than $mathcal{O}(200)$ GeV for $k geq 4$, $mathcal{O}(1)$ TeV for $k=3$ and $mathcal{O}(50)$ TeV for $k=2$ are strongly disfavoured by the combined requirements of unitarity and DM relic abundance, for DM freeze-out before reheating.
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