All HDFC Bank customers are eligible for the HDFC NEFT, IMPS and RTGS services provided by the bank. One can use any of these services to transfer funds from one bank account to another. The HDFC NEFT, IMPS and RTGS charges levied on these transactions vary according to the transaction amount and mode.
HDFC Bank does not imply any charges or fees on NEFT transactions if done online through mobile banking or internet banking. It is completely free. However, certain charges are levied on NEFT transactions made through the HDFC Bank branches.
HDFC Bank NEFT Charges |
||
Transaction Amount |
NEFT Charges (offline mode) |
NEFT Charges (online mode) |
Upto Rs. 1 lakh |
Rs. 2 + GST |
NIL |
Above Rs. 1 lakh |
Rs. 10 + GST |
NIL |
The HDFC Bank NEFT services are now available 24/7 throughout the year for online transfer. However, certain conditions are imposed on the transaction limit based on the HDFC timings.
Given below are the NEFT limits for HDFC Bank based on the timings:
HDFC NEFT Timings |
HDFC NEFT Limits |
7 am - 7 pm (on RBI working days) |
Maximum limit of Rs.50 lakhs per day |
7 pm - 7 am (on RBI working days and all holidays) |
Rs.2 lakhs per transaction (Maximum Rs. 50 lakhs per day) |
Note: HDFC bank allows customers to transfer a maximum amount of Rs. 50,000 for newly added beneficiaries during the first 24 hours.
There are mainly two processes to transfer funds through HDFC Bank NEFT services, i.e., either through online mode or offline through the bank branch.
HDFC allows customers to make NEFT fund transfers online using internet banking. One who has an active online banking account can make an HDFC Bank NEFT transfer by following the steps mentioned below:
One can do the NEFT transactions offline in HDFC Bank through the bank branch by following the steps provided below:
Customers with active HDFC internet banking accounts can also pay their credit card bills through the NEFT services of HDFC Bank. Here are the steps that need to be followed:
HDFC Bank IMPS service is an online method to transfer funds from one bank account to another bank account. The service is available 24x7 and can be availed using the internet and mobile banking.
The table below includes the HDFC IMPS charges imposed by the bank against different transaction amounts:
HDFC Bank IMPS Charges |
|
Transaction Amount |
IMPS Charges |
Upto Rs. 1000 |
Rs. 3.50 + GST |
Rs. 10001 to Rs. 1 lakh |
Rs. 5 + GST |
Above Rs. 1 lakh |
Rs. 15 + GST |
HDFC Bank IMPS services are available 24/7 for the customers. However, the bank has imposed certain limits on the transaction amount.
HDFC IMPS Timings |
HDFC IMPS Limits |
Available 24/7, 365 days |
Maximum limit: Rs.5000 per day per Cust ID (for IMPS done using MMID) |
Customers of HDFC Bank can transfer money from one bank to another account through IMPS by using any of the following methods:
Here are the steps that must be followed to make an HDFC Bank IMPS transaction using online banking:
Below are the steps that must be followed to make an HDFC IMPS transaction using mobile banking:
HDFC customers can also transfer money through the HDFC RTGS services. This has helped customers with immediate fund transfers from one HDFC bank account to another bank account.
Given below are the HDFC RTGS charges, limits and timings levied by the bank:
HDFC RTGS Charges |
HDFC RTGS Limits |
HDFC RTGS Timings |
|
Minimum amount: Rs.2 lakhs No upper cap (on RTGS transactions made through branch) |
Available 24/7 except from 11:30 PM to 12:30 AM due to cut-off |
Customers can transfer funds using the RTGS either through online mode using net banking or offline through the bank branch.
HDFC allows customers to make RTGS fund transfers online using internet banking. One who has an active online banking account can make an HDFC Bank NEFT transfer by following the steps mentioned below:
One can do the NEFT transactions offline in HDFC Bank through the bank branch by following the steps provided below: