Updated 2026
Bank Transfer Limits & Charges
Compare NEFT, RTGS, IMPS, and UPI transfer limits and charges across 25+ Indian banks. All limits for online/internet banking.
NEFT
Rs. 10L
Per transaction (most banks)
RTGS
Rs. 25L
Min Rs. 2 Lakh
IMPS
Rs. 5L
24x7 instant
UPI
Rs. 1L
Free for all banks
State Bank of India
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 25 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 2.50 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
HDFC Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 25 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 3.50 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
ICICI Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 25 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 2.50 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Axis Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 25 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 2.50 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Punjab National Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Bank of Baroda
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Kotak Mahindra Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 25 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 2.50 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Yes Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Canara Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Union Bank of India
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Bank of India
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Indian Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
IDBI Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Federal Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 2.50 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
IndusInd Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 2.50 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Indian Overseas Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
UCO Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Bandhan Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 2 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
RBL Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 2.50 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
IDFC First Bank
24x7 (online)
NEFT Limit
Rs. 25 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 25 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Free
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
South Indian Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Bank of Maharashtra
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Punjab & Sind Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Central Bank of India
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
Karnataka Bank
24x7 (online)
NEFT Limit
Rs. 10 Lakh
NEFT Charge
Free (online)
RTGS Limit
Rs. 10 Lakh
RTGS Charge
Free (online)
IMPS Limit
Rs. 5 Lakh
IMPS Charge
Rs. 5 + GST
UPI Limit
Rs. 1 Lakh
UPI Charge
Free
NEFT vs RTGS vs IMPS vs UPI
- NEFT — Batch settlement, no minimum, best for regular transfers up to Rs. 10 lakh.
- RTGS — Real-time, minimum Rs. 2 lakh, best for high-value transfers.
- IMPS — Instant 24x7, up to Rs. 5 lakh, works on holidays too.
- UPI — Mobile-first, Rs. 1 lakh limit, completely free for consumers.
Important Notes
- All limits shown are for online/internet banking. Branch limits may differ.
- NEFT & RTGS are now available 24x7 as per RBI circular (Dec 2020).
- UPI limits may vary by app (Google Pay, PhonePe, Paytm) and bank.
- Charges shown are for digital transactions. Branch transactions may incur additional fees.