IMPS/NEFT/RTGS Charges, Timings, Limits
As per RBI guidelines, Real-Time Gross Settlement (RTGS) is available 24x7 with effect from Dec 14, 2020.
Ways to Transfer Funds - Limits/ Timings
Ways to Transfer Funds- Charges
| Transaction Charges | NEFT Charges (At Branch) | RTGS Charges (At Branch) | IMPS (Applicable for Savings Account) w.e.f July 01, 2025 |
IMPS (Applicable for Current Account) w.e.f May 01, 2024 |
|---|---|---|---|---|
| Amounts up to ₹ 1,000 | ₹ 2.25 + Applicable GST | Not Applicable | ₹ 2.5 + Applicable GST | ₹ 2.5 + Applicable GST |
| Amounts above ₹ 1,000 and up to ₹ 10,000 | ₹ 2.25 + Applicable 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. Internet Banking, iMobile , Pockets and InstaBIZ) are nil.