IMPS/NEFT/RTGS Charges, Timings, Limits
As per RBI guidelines, Real-Time Gross Settlement (RTGS) is available 24/7 with effect from 14 December 2020.
Ways to Transfer Funds - Limits or Timings
Ways to Transfer Funds- Charges
| Transaction Charges | NEFT Charges (At branch) | RTGS Charges (At branch) | IMPS (Applicable for Savings Account) w.e.f 01 July 2025 | IMPS (Applicable for Current Account) w.e.f 01 May 2024 |
|---|---|---|---|---|
| Amounts up to ₹1,000 | ₹2.25 + Applicable Goods and Services Tax (GST) | Not Applicable | ₹2.5 + Applicable GST | ₹2.5 + Applicable GST |
| Amounts above ₹1,000 and up to ₹10,000 | ₹2.25 + Applicable Goods and Services Tax (GST) | Not Applicable | ₹5 + Applicable GST | ₹5 + Applicable GST |
| Amounts above ₹10,000 and up to ₹25,000 | ₹4.75 + Applicable GST | Not Applicable | ₹5 + Applicable GST | ₹5 + Applicable GST |
| Amounts above ₹25,000 and up to ₹1 lakh | ₹4.75 + Applicable GST | Not Applicable | ₹5 + Applicable GST | ₹5 + Applicable GST |
| Amounts above ₹1 lakh and up to ₹2 lakh | ₹14.75 + Applicable GST | Not Applicable | ₹15 + Applicable GST | ₹15 + Applicable GST |
| Amounts above ₹2 lakh and up to ₹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 up to ₹10 lakh | ₹24.75 + Applicable GST | ₹45 + Applicable GST | Not Applicable | Not Applicable |
Important Note:
Transaction charges for NEFT and RTGS initiated through online modes (i.e. Net Banking, ICICI Bank's iMobile app , Pockets and InstaBIZ) are nil.