PNB IMPS Charges – Punjab National Bank Fees, Limits & Rules (2026)
PNB IMPS charges are the fees levied by Punjab National Bank (PNB) for instant fund transfers using the Immediate Payment Service (IMPS). IMPS works 24×7, including Sundays and bank holidays, and credits money instantly to the beneficiary.
Quick Summary
- Bank: Punjab National Bank (PNB)
- Transfer mode: IMPS
- Availability: 24×7
- Speed: Instant
- Charges: Slab-based
- GST: Extra, as applicable
PNB IMPS Charges (Latest Slabs)
PNB IMPS charges generally depend on the amount transferred.
| IMPS Transfer Amount | Charges (₹) |
|---|---|
| Up to ₹1,000 | ₹2.50 |
| ₹1,001 – ₹25,000 | ₹5 |
| ₹25,001 – ₹1 lakh | ₹15 |
| ₹1,00,001 – ₹2 lakh | ₹25 |
Charges are indicative. GST is applicable extra. Actual charges may vary by channel and account type.
PNB IMPS Charges by Channel
IMPS via Net Banking / Mobile Banking
- Charges apply as per the above slabs
- Some savings or salary accounts may have free IMPS transactions
IMPS via Branch
- Higher charges may apply
- Availability may be limited
PNB IMPS Transfer Limits
- Minimum amount: ₹1
- Maximum per transaction: ₹2 lakh
- Daily limit: As set by PNB (varies by customer profile)
When Are IMPS Charges Deducted?
- IMPS charges are deducted instantly along with the transfer amount
- Shown separately in the account statement
IMPS Failed but Amount Debited?
- Amount is usually reversed within 1 working day
- Keep the IMPS reference number for tracking
- Contact PNB customer care if reversal is delayed
IMPS vs NEFT in PNB
| Feature | IMPS | NEFT |
|---|---|---|
| Speed | Instant | Batch-based |
| Availability | 24×7 | 24×7 |
| Charges | Usually chargeable | Often free online |
| Best for | Urgent transfers | Planned transfers |
FAQs on PNB IMPS Charges
Is IMPS free in PNB?
A. IMPS is usually chargeable, but some account variants may offer free transactions.
Is GST applicable on IMPS charges?
A. Yes, GST is charged on the IMPS fee.
Can IMPS be done on bank holidays?
A. Yes, IMPS works 24×7.
What is the maximum IMPS limit in PNB?
A. Up to ₹2 lakh per transaction.
Conclusion
PNB IMPS is a fast and reliable fund transfer option, but it comes with slab-based charges depending on the amount and channel used. For exact fees applicable to your account, always check the PNB mobile app or net banking.
