HDFC IMPS Transfer Limit 2026: Per Transaction & Daily Limits Explained
If you are planning to transfer money using IMPS in HDFC Bank, it’s important to know the transfer limits before making a payment.
Here’s a complete guide to HDFC IMPS transfer limit in 2026, including per transaction limit, daily cap, and important rules.
Quick Summary: HDFC IMPS Limit
| Type | Limit (Typically) |
|---|---|
| Minimum Amount | ₹1 |
| Per Transaction Limit | Up to ₹5 lakh |
| Daily Limit | Up to ₹5 lakh (may vary) |
| Availability | 24×7 |
| Charges | Usually free via online channels |
Exact limits may vary depending on account type and customer profile.
What is IMPS?
IMPS (Immediate Payment Service) allows instant fund transfer between bank accounts.
You can transfer money using:
- Account number + IFSC
- Mobile number + MMID
- Through NetBanking or Mobile Banking
IMPS works 24×7, including Sundays and holidays.
HDFC IMPS Per Transaction Limit
In most cases:
- You can transfer up to ₹5 lakh per transaction via IMPS.
- Some accounts may have lower limits initially.
- Newly added beneficiaries may have cooling period restrictions.
Always check inside HDFC NetBanking or Mobile App for your specific limit.
HDFC IMPS Daily Limit
- The daily limit is generally up to ₹5 lakh.
- If you transfer ₹5 lakh in one transaction, you may not be able to transfer more the same day.
- Daily limits may combine with NEFT/RTGS limits depending on settings.
Limits may vary for:
- Savings account
- Current account
- Corporate account
HDFC IMPS Limit via Different Channels
Mobile Banking (HDFC App)
- Instant transfers
- Usually up to ₹5 lakh per day
NetBanking
- Similar limits as mobile banking
- Beneficiary must be added first
ATM IMPS
- May have lower limits
- Depends on ATM transaction rules
How to Increase HDFC IMPS Limit
You may be able to:
- Modify transaction limits in NetBanking
- Visit branch to request higher limit
- Update KYC if required
Approval depends on bank policy and account type.
IMPS Charges in HDFC (2026)
- IMPS via online banking: Usually free
- Branch-assisted transfers: Charges may apply
- GST applicable if charges are levied
Always confirm from schedule of charges.
Common Issues & Solutions
1. IMPS Limit Exceeded
- Check daily transfer amount
- Wait until next day
- Adjust transaction limit settings
2. Transfer Failed
- Amount usually auto-reversed within 24–48 hours
- Check transaction reference number
3. New Beneficiary Limit
- Cooling period may apply
- Lower initial limit may be set
Security Tips for IMPS
- Verify beneficiary name before confirming
- Never share OTP
- Double-check account number and IFSC
- Use official HDFC app or website
FAQs: HDFC IMPS Transfer Limit
1. What is HDFC IMPS maximum limit?
A. Typically up to ₹5 lakh per transaction.
2. Is IMPS available 24×7 in HDFC?
A. Yes, IMPS works round the clock.
3. Can I increase IMPS limit?
A. Yes, subject to bank policy and account type.
4. Is IMPS free in HDFC?
A. Usually free via online banking channels.
5. What if I cross daily limit?
A. You must wait until the next day to transfer again.
Conclusion
The HDFC IMPS transfer limit in 2026 is generally up to ₹5 lakh per transaction and per day, but it may vary depending on your account type and settings.
Before making large transfers:
- Check your daily limit in the app
- Ensure beneficiary is correctly added
- Confirm transaction details carefully
For exact and updated limits, always check inside your HDFC NetBanking or Mobile Banking app.
