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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 |
|---|---|---|---|
| Amounts upto ₹ 10,000 | ₹ 2.25 + Applicable GST | Not Applicable | ₹ 3.5 + 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 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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