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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/TimingIMPS (24x7x365)
iMobileInternet Banking
Account number + IFSCMobile number + MMIDAccount number + IFSCMobile number + MMID
Minimum ₹ 1 ₹ 1 ₹ 1 ₹ 1
Maximum ₹ 5 lakh ₹ 10,000 ₹ 5 lakh ₹ 10,000

 

*Up to Rs 5 lakhs per transaction for IMPS (Rs 50 lakhs per month using iMobile Pay & Rs 15 lakhs per month through Internet Banking.)

 

 

NEFT (Internet banking and iMobile) - Applicable for NRIs as well

 

Transaction Limits/Timing01.00 hrs – 19.00 hrs00.00 hrs – 01.00 hrs
and
19.00 hrs – 00.00 hrs		2nd & 4th Saturday, Sunday & RTGS 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/Timing01:00 hours – 19:00 hours19:00 hours – 00:00 hours and 00:00 hours – 01:00 hours2nd and 4th Saturday, Sunday and Bank holidays
Minimum Rs 2 lakh Rs 2 lakh Rs 2 lakh
Maximum Rs 10 lakh or Rs 1 crore (based on customer segment) Rs 10 lakh Rs 10 lakh

 

 

RTGS (iMobile) - Applicable for NRIs as well

 

Transaction Limits/Timing01.00 hrs – 19.00 hrs19:00 hours – 00:00
and
00:00 hours-01:00 hours		2nd and 4th Saturday, Sunday and Bank holidays
Minimum ₹ 2 lakh ₹ 2 lakh ₹ 2 lakh
Maximum ₹ 20 lakh ₹ 10 lakh ₹ 10 lakh

 

 

CIB, Instabiz & API Banking NEFT - Limits are at user level

 

Limits01:00 hrs – 19:00 hrs00:00 hrs – 01:00 hrs and 19:00 hrs – 00:00 hrs2nd & 4th Saturday, Sunday & Holidays
Total transaction Amount Existing Workflow limit mapped to Corporate Maximum ₹ 10 Lakh Maximum ₹ 10 Lakh

 

CIB, Instabiz & API Banking RTGS

 

Limits01:00 hrs – 19:00 hrs00:00 hrs – 01:00 hrs and 19:00 hrs – 00:00 hrs2nd & 4th Saturday, Sunday & Holidays
Total transaction Amount Existing Workflow limit mapped to Corporate Maximum ₹ 1 Crore Maximum ₹ 1 Crore

 

Transaction ChargesNEFT Charges (At Branch)RTGS Charges (At Branch)IMPS
Amounts upto ₹ 10,000 ₹ 2.25 + Applicable GST Not Applicable ₹ 5 + Applicable GST
Amounts above ₹ 10,000 and upto ₹ 1 lakh ₹ 4.75 + Applicable GST Not Applicable ₹ 5 + Applicable GST
Amounts above ₹ 1 lakh and upto ₹ 2 lakh ₹ 14.75 + Applicable GST Not Applicable ₹ 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
Amounts above ₹ 5 lakh and upto ₹ 10 lakh ₹ 24.75 + Applicable GST ₹ 45 + Applicable GST Not applicable

 

 

Important points:

  • Transaction charge for NEFT and RTGS initiated through online modes (i.e. Internet Banking, iMobile app, Mera iMobile app and Pockets app) is Nil.

 

Click to know more on NEFT

Click to know more on RTGS

Click to know more on IMPS

 

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