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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 – 19.00hours | 00.00hours – 01.00hours and 19.00hours – 00.00hours | 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 | 01:00hours – 19:00hours | 19:00hours – 00:00hours and 00:00hours – 01:00hours | 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 | 01.00hours – 19.00hours | 00.00hours – 01.00 hours, 19.00hours – 00.00hours & Bank Holidays |
|---|---|---|
| Minimum | ₹ 1 | ₹ 1 |
| Maximum | ₹ 20 lakh | ₹ 2 lakh |
RTGS (iMobile Pay)- Applicable for NRIs as well
| Transaction Limits/Timing | 01.00hours – 19.00hours | 00.00hours – 01.00 hours, 19.00hours – 00.00hours & Bank Holidays |
|---|---|---|
| Minimum | ₹ 2 lakh | ₹ 2 lakh |
| Maximum | ₹ 20 lakh | ₹ 10 lakh |
CIB,InstaBIZ & API Banking NEFT -Limits are at corporate level
| Limits | 01:00hours – 19:00hours | 00:00hours – 01:00hours and 19:00hours – 00:00hours | 2nd & 4th Saturday, Sunday & Holidays |
|---|---|---|---|
| Total transaction Amount | Existing Workflow limit mapped to Corporate (Maximum ₹49 crore per transaction forInstaBIZ) | Maximum ₹ 10 Lakh | Maximum ₹ 10 Lakh |
CIB,InstaBIZ & API Banking RTGS -Limits are at corporate level
| Limits | 01:00hours – 19:00hours | 00:00hours – 01:00hours and 19:00hours – 00:00hours | 2nd & 4th Saturday, Sunday & Holidays |
|---|---|---|---|
| Total transaction Amount | Existing Workflow limit mapped to Corporate (Maximum ₹49 crore per transaction forInstaBIZ) | 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.
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Click to know more on IMPS
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