Online (NetBanking / Mobile Banking)
- Free of charge — NEFT transactions via HDFC’s online platforms have been free since November 2017.
Branch-Based (Offline)
- Up to ₹1 lakh: ₹2 + GST
- Above ₹1 lakh: ₹10 + GST
(Revised as of August 1, 2025:)- Up to ₹10,000: ₹2
- ₹10,001–₹1,00,000: ₹4
- ₹1,00,001–₹2,00,000: ₹14
- Above ₹2,00,000: ₹24
IMPS Charges
Online
- Up to ₹1,000: ₹2.50
- ₹1,001–₹1,00,000: ₹5
- Above ₹1,00,000: ₹15
(New rates effective August 1, 2025; otherwise unchanged from current structure.)
RTGS Charges
Online
- Free of charge since November 2017 for RTGS initiated via net/mobile banking.
Branch-Based (Offline)
- ₹2 lakh to ₹5 lakh: ₹20
- Above ₹5 lakh: ₹45
(Effective August 1, 2025; current prices are ₹15 for any ≥₹2 lakh transaction.)
Charges Breakdown at a Glance
| Service | Mode | Charge (Excl. GST) |
|---|---|---|
| NEFT | Online | ₹0 |
| NEFT | Branch (Offline) | ₹2–₹24 (depending on amount, from August 2025) |
| IMPS | Online | ₹2.50 – ₹15 (depending on amount, from Aug 2025) |
| RTGS | Online | ₹0 |
| RTGS | Branch (Offline) | ₹20 (₹2L–₹5L), ₹45 (above ₹5L, from Aug 2025) |
Transaction Availability
- Online NEFT, RTGS, IMPS: Available 24×7, all days, including holidays.
- Branch-based services: Subject to branch working hours only.
Regulatory Update — July 2025
Starting July 1, 2025, HDFC Bank and other major banks will begin applying charges on high-value digital transactions, per changes in banking regulations. This may impact some online payments beyond defined thresholds, particularly for large fund transfers.
Quick Summary
- NEFT & RTGS online: Completely free anytime.
- IMPS online: Nominal, tiered charges applicable.
- Branch-based transfers: Affordable fees based on transfer size; revised upward from August 2025.
- Always check post-July 2025 updates for high-value digital charge impact.
