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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)
iMobile Internet Banking CIB, InstaBIZ & API Banking RTGS
Account number + IFSC Mobile number + MMID Account number + IFSC Mobile number + MMID Account number + IFSC
Minimum ₹ 1 ₹ 1 ₹ 1 ₹ 1 ₹ 1
Maximum ₹ 5 lakh ₹ 10,000 ₹ 5 lakh ₹ 10,000 ₹ 5 lakh


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

 

NEFT (Internet banking) - Applicable for NRIs as well
 

Transaction Limits/Timing 01.00 hours – 19.00 hours 00.00 hours – 01.00 hours
and
19.00 hours – 00.00 hours
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 01:00 hours – 19:00 hours 19:00 hours – 00:00 hours and 00:00 hours – 01:00 hours 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 Pay) - Applicable for NRIs as well

Transaction Limits/Timing 01.00 hours – 19.00 hours 00.00 hours – 01.00 hours, 19.00 hours – 00.00 hours & Bank Holidays
Minimum ₹ 1 ₹ 1
Maximum ₹ 20 lakh ₹ 2 lakh

 

RTGS (iMobile Pay) - Applicable for NRIs as well

Transaction Limits/Timing 01.00 hours – 19.00 hours 00.00 hours – 01.00 hours, 19.00 hours – 00.00 hours & Bank Holidays
Minimum ₹ 2 lakh ₹ 2 lakh
Maximum ₹ 20 lakh ₹ 10 lakh

 

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

Limits 01:00 hours – 19:00 hours 00:00 hours – 01:00 hours and 19:00 hours – 00:00 hours 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 01:00 hours – 19:00 hours 00:00 hours – 01:00 hours and 19:00 hours – 00:00 hours 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 Pay, 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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