HDFC Bank NEFT Charges (2026)
NEFT (National Electronic Funds Transfer) is one of the most popular ways to transfer money from an HDFC Bank account to another bank in India. The good news is that NEFT is now mostly free for customers, especially when done online.
Below is a simple breakdown.
Quick Summary: HDFC NEFT Charges
| Mode of NEFT | Charges |
|---|---|
| Online NEFT (NetBanking / Mobile Banking) | ₹0 (Free) |
| Branch NEFT (Savings Account) | Usually ₹2.50 to ₹25 + GST |
| Branch NEFT (Cash-based) | Higher charges may apply |
| Minimum / Maximum Amount | No minimum, no upper limit |
Online NEFT is free and available 24×7, including Sundays and bank holidays.
HDFC NEFT Charges – Branch Transactions
If you visit an HDFC Bank branch to send money via NEFT, charges may apply based on the transfer amount:
| NEFT Amount | Charges (approx.) |
|---|---|
| Up to ₹10,000 | ₹2.50 + GST |
| ₹10,001 to ₹1 lakh | ₹5 + GST |
| ₹1 lakh to ₹2 lakh | ₹15 + GST |
| Above ₹2 lakh | ₹25 + GST |
Charges may vary slightly by branch or account type, so it’s best to confirm at the counter.
Is NEFT Free in HDFC Bank?
Yes ✔️
As per RBI guidelines, HDFC Bank does not charge any fees for NEFT done through:
- HDFC NetBanking
- HDFC Mobile Banking App
This applies to both savings and current accounts.
HDFC NEFT Timing
- Online NEFT: 24×7 (including weekends & holidays)
- Branch NEFT: Only during bank working hours
Even though NEFT works round-the-clock, branch-initiated requests follow branch timings.
How Long Does HDFC NEFT Take?
- Usually within 2 hours
- In many cases, money is credited within minutes
- Delays may happen due to incorrect details or bank server issues
Common Issues & Troubleshooting
NEFT failed but amount debited?
- Amount is usually auto-reversed within 2–3 working days
NEFT pending?
- Check status in NetBanking → Fund Transfer History
- Contact HDFC customer care if delay exceeds a few hours
Security Tips for NEFT Transfers
- Always double-check account number and IFSC
- Avoid doing transfers on public Wi-Fi
- Enable SMS/email alerts for transactions
- Use official HDFC Bank app or website only
FAQs: HDFC NEFT Charges
Is NEFT free in HDFC Bank?
A. Yes, NEFT is free when done online via NetBanking or Mobile Banking.
Does HDFC charge NEFT on Sundays?
A. No, online NEFT is free and works 24×7, even on Sundays.
Is there any limit on NEFT in HDFC Bank?
A. No RBI-imposed limit. Limits may depend on your account and channel.
Is GST applicable on NEFT charges?
A. Yes, GST applies only if branch charges are levied.
Conclusion
If you use HDFC NetBanking or Mobile Banking, NEFT transfers are completely free, fast, and available 24×7. Charges mainly apply only when NEFT is done at a branch.
For the best experience, always prefer online NEFT .
