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Use IMPS on Internet Banking or iMobile
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 | |||
| Account number + IFSC | Mobile number + MMID | Account number + IFSC | Mobile number + MMID | |
| Minimum | ₹ 1 | ₹ 1 | ₹ 1 | ₹ 1 |
| Maximum | ₹ 5 lakh | ₹ 10,000 | ₹ 5 lakh | ₹ 10,000 |
*Upto ₹5 lakhs per transaction for IMPS (₹20 Lakhs per day through iMobile Pay)
NEFT (Internet banking and iMobile) - Applicable for NRIs as well
| Transaction Limits/Timing | 01.00 hrs – 19.00 hrs | 00.00 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/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 | 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/Timing | 01.00 hrs – 19.00 hrs | 19:00 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
| Limits | 01:00 hrs – 19:00 hrs | 00:00 hrs – 01:00 hrs and 19:00 hrs – 00:00 hrs | 2nd & 4th Saturday, Sunday & Holidays |
|---|---|---|---|
| Total transaction Amount | Existing Workflow limit mapped to Corporate | Maximum ₹ 10 Lakh | Maximum ₹ 10 Lakh |
CIB, Instabiz & API Banking RTGS
| Limits | 01:00 hrs – 19:00 hrs | 00:00 hrs – 01:00 hrs and 19:00 hrs – 00:00 hrs | 2nd & 4th Saturday, Sunday & Holidays |
|---|---|---|---|
| Total transaction Amount | Existing Workflow limit mapped to Corporate | 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 charge for NEFT and RTGS initiated through online modes (i.e. Internet Banking, 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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