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      NEFT/RTGS/IMPS Charges, Timings, Limits

      As per RBI guidelines, Real-Time Gross Settlement (RTGS) is available 24x7 with effect from Dec 14, 2020.

       

      Immediate Payment Service (IMPS) - Applicable for NRIs as well

      Transaction Limits/Timing IMPS (24x7x365)
      Internet Banking iMobile, CIB, InstaBIZ & API Banking RTGS
      Account number + IFSC Mobile number + MMID Account number + IFSC
      Minimum ₹ 1 ₹ 1 ₹ 1
      Maximum ₹ 5 lakh ₹ 10,000 ₹ 5 lakh


      *Upto ₹5 lakhs per transaction for IMPS (₹20 Lakhs per day through iMobile)

       

      NEFT (Internet banking) - Applicable for NRIs as well
       

      Transaction Limits/Timing 1:00 a.m. IST – 7:00 p.m. IST 12:00 a.m. IST – 1:00 a.m. IST
      and
      7:00 p.m. IST – 12:00 a.m. IST      		 2nd & 4th Saturday, Sunday & Bank Holidays
      Minimum ₹ 1 ₹ 1 ₹ 1
      Maximum ₹ 10 lakh or ₹ 1 crore (based on customer segment) ₹ 2 Lakh ₹ 2 Lakh

       

      RTGS (Internet Banking) - Applicable for NRIs as well

      Transaction Limits/Timing 1:00 a.m. IST – 7:00 p.m. IST 7:00 p.m. IST – 12:00 a.m. IST and 12:00 a.m. IST – 1:00 a.m. IST 2nd and 4th Saturday, Sunday and Bank holidays
      Minimum ₹ 2 lakh ₹ 2 lakh ₹ 2 lakh
      Maximum ₹ 10 lakh or Rs 1 crore (based on customer segment) ₹ 10 Lakh or 50 Lakh(based on customer segment) ₹ 10 Lakh or 50 Lakh(based on customer segment)

       

      NEFT (iMobile) - Applicable for NRIs as well

      Transaction Limits/Timing 1:00 a.m. IST – 7:00 p.m. IST 12:00 a.m. IST – 1:00 a.m. IST, 7:00 p.m. IST – 12:00 a.m. IST & Bank Holidays
      Minimum ₹ 1 ₹ 1
      Maximum ₹ 20 lakh ₹ 2 lakh

       

      RTGS (iMobile) - Applicable for NRIs as well

      Transaction Limits/Timing 1:00 a.m. IST – 7:00 p.m. IST 12:00 a.m. IST – 1:00 a.m. IST, 7:00 p.m. IST – 12:00 a.m. IST & Bank Holidays
      Minimum ₹ 2 lakh ₹ 2 lakh
      Maximum ₹ 20 lakh ₹ 10 lakh

       

      CIB, InstaBIZ & API Banking NEFT - Limits are at corporate level

      Limits 1:00 a.m. IST – 7:00 p.m. IST 12:00 a.m. IST – 1:00 a.m. IST and 7:00 p.m. IST – 12:00 a.m. IST 2nd & 4th Saturday, Sunday & Holidays
      Total transaction Amount

      Existing Workflow limit mapped to Corporate

      (Maximum ₹49 crore per transaction for InstaBIZ)

      		 Maximum ₹ 10 Lakh Maximum ₹ 10 Lakh

       

      CIB, InstaBIZ & API Banking RTGS - Limits are at corporate level

      Limits 1:00 a.m. IST – 7:00 p.m. IST 12:00 a.m. IST – 1:00 a.m. IST and 7:00 p.m. IST – 12:00 a.m. IST 2nd & 4th Saturday, Sunday & Holidays
      Total transaction Amount

      Existing Workflow limit mapped to Corporate

      (Maximum ₹49 crore per transaction for InstaBIZ)

      		 Maximum ₹ 1 Crore Maximum ₹ 1 Crore

       

      Transaction Charges NEFT Charges (At Branch) RTGS Charges (At Branch)

      IMPS (Applicable for Savings Account)

      w.e.f May 01, 2024

      IMPS (Applicable for Current Account)

      w.e.f May 01, 2024
      Amounts upto ₹ 1,000 ₹ 2.25 + Applicable GST Not Applicable ₹ 2.5 + Applicable GST ₹ 2.5 + Applicable GST
      Amounts above ₹ 1,000 and upto ₹ 10,000 ₹ 2.25 + Applicable GST Not Applicable ₹ 5 + Applicable GST ₹ 5 + Applicable GST
      Amounts above ₹ 10,000 and upto ₹ 25,000 ₹ 4.75 + Applicable GST Not Applicable ₹ 5 + Applicable GST ₹ 5 + Applicable GST
      Amounts above ₹ 25,000 and upto ₹ 1 lakh ₹ 4.75 + Applicable GST Not Applicable ₹ 15 + Applicable GST ₹ 5 + Applicable GST
      Amounts above ₹ 1 lakh and upto ₹ 2 lakh ₹ 14.75 + Applicable GST Not Applicable ₹ 15 + Applicable GST ₹ 15 + Applicable GST
      Amounts above ₹ 2 lakh and upto ₹ 5 lakh (Incl. ₹ 2 lakh for RTGS) ₹ 24.75 + Applicable GST ₹ 20 + Applicable GST ₹ 15 + Applicable GST ₹ 15 + Applicable GST
      Amounts above ₹ 5 lakh and upto ₹ 10 lakh ₹ 24.75 + Applicable GST ₹ 45 + Applicable GST Not Applicable Not Applicable

       

      Important points:

      • Transaction charges for NEFT and RTGS initiated through online modes (i.e. Internet Banking, iMobile , Pockets and InstaBIZ) are nil.

       

      Click to know more on NEFT

      Click to know more on RTGS

      Click to know more on IMPS

       

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