HDFC Bank NEFT – Timings, Charges, Limits & Step-by-Step Process (2026 Guide)

HDFC Bank NEFT (National Electronic Funds Transfer) lets you send money securely from your HDFC account to any bank account in India. It’s widely used for salaries, rent, fees, and regular transfers.

Here’s a clear, beginner-friendly guide covering how NEFT works, timings, charges, and common issues.

Quick Summary

• Service: HDFC Bank NEFT
• Availability: 24×7 (including holidays)
• Transfer speed: Usually within minutes (can take up to a few hours)
• Modes: Net banking, mobile app, branch
• Charges: Free via digital channels (typically)

What Is HDFC Bank NEFT?

NEFT is an RBI-operated electronic payment system that allows one-to-one bank transfers across India. HDFC Bank supports NEFT for both inward and outward transactions.

HDFC Bank NEFT Timings

Good news—NEFT is available 24×7, including:

• Sundays
• Bank holidays
• Late nights

Transfers are processed in near real-time, but delays may occur due to technical or beneficiary bank issues.

How to Do HDFC Bank NEFT (Step-by-Step)

Method 1: NEFT via HDFC NetBanking

1. Log in to HDFC NetBanking
2. Go to Funds Transfer → Add Beneficiary
3. Select NEFT
4. Enter beneficiary details:
   • Name
   • Bank name
   • Account number
   • IFSC code
5. Confirm beneficiary (activation may take some time)
6. Enter amount and submit

You’ll receive a confirmation once the transfer is successful.

Method 2: NEFT via HDFC Mobile Banking App

1. Open the HDFC MobileBanking app
2. Select Transfer → Bank Account
3. Add beneficiary using NEFT details
4. Enter amount and confirm with OTP

Method 3: NEFT at HDFC Bank Branch

1. Visit your HDFC branch
2. Fill the NEFT request form
3. Submit with ID proof (if required)

Branch NEFT may follow working hours.

HDFC Bank NEFT Charges

Charges may vary by channel:

• Online (NetBanking/App): Usually ₹0
• Branch NEFT: Small fee may apply depending on amount

Always check the latest charges in your banking app or at the branch.

HDFC Bank NEFT Limits

• Minimum amount: No minimum limit
• Maximum amount: Depends on your account type and channel
• Per-day limit: Set by HDFC and customizable via NetBanking

For high-value transfers, RTGS may be more suitable.

Details Required for HDFC Bank NEFT

Make sure you have:

• Beneficiary name
• Beneficiary bank name
• Account number
• IFSC code
• Amount to be transferred

Even a small IFSC error can cause failure or delay.

NEFT Transfer Time & Status

• Most NEFT transfers are credited within minutes
• In rare cases, it may take up to a few hours
• You can track status in:
  • NetBanking
  • Mobile app
  • SMS/email alerts

Common Problems & Solutions

NEFT Failed but Amount Debited?

• Amount is usually reversed automatically
• Reversal may take a few hours to 2 working days

Beneficiary Not Activated?

• Some beneficiaries require a cooling period
• Wait and try again later

Wrong IFSC or Account Number?

• Transfer may fail or go to the wrong account
• Contact HDFC customer care immediately

Security Tips

• Double-check beneficiary details before confirming
• Use your own device and secure internet
• Never share OTP or NetBanking password
• Enable SMS/email alerts for all transactions

FAQs – HDFC Bank NEFT

HDFC Bank NEFT is a reliable and convenient way to transfer money anytime, anywhere. With 24×7 availability and usually zero online charges, it’s ideal for most everyday bank transfers.