SBI IMPS Charges: Fees, Limits & Timing (2026)
IMPS (Immediate Payment Service) lets you transfer money instantly, 24×7, including Sundays and bank holidays. State Bank of India (SBI) offers IMPS through YONO, internet banking, ATM, and branch.
This guide explains SBI IMPS charges, limits, and key rules.
Quick Summary: SBI IMPS Charges
- Speed: Instant (real-time)
- Availability: 24×7
- Online IMPS charges: ₹0 (Free)
- Branch / ATM IMPS: Charges may apply
- GST: Applicable where charges are levied
SBI IMPS Charges – Channel-wise
Online IMPS (YONO / Internet Banking)
Free of cost
- No charges for savings account holders
- Applies to most retail customers
- Available 24×7
SBI IMPS via Branch / ATM (Indicative)
| IMPS Amount | Charges (approx.) |
|---|---|
| Up to ₹1,000 | ₹2.50 + GST |
| ₹1,001 – ₹25,000 | ₹5 + GST |
| ₹25,001 – ₹2 lakh | ₹15 + GST |
Charges may vary by branch, account type, or channel.
SBI IMPS Transfer Limits
- Per transaction: Usually up to ₹2,00,000
- Daily limit: Depends on account & channel (YONO / INB)
Always check your YONO app or SBI net banking for exact limits.
SBI IMPS Timing
- 24×7 availability
- Works on Sundays & bank holidays
- Money is credited within seconds
When Should You Use IMPS?
IMPS is best when:
- You need instant transfer
- Amount is small to medium
- NEFT speed is not sufficient
For large-value urgent transfers (₹2 lakh+), RTGS may be better.
Common Issues & Troubleshooting
IMPS failed but amount debited?
- Amount is usually auto-reversed within 1 working day
Wrong account number entered?
- Contact SBI immediately
- Recovery depends on beneficiary bank response
Security Tips
- Double-check account number & IFSC / mobile + MMID
- Avoid public Wi-Fi while transferring money
- Save the IMPS reference number
- Use only official SBI apps
FAQs: SBI IMPS Charges
Is IMPS free in SBI?
A. Yes, online IMPS via YONO and internet banking is free.
Does SBI charge IMPS on Sundays?
A. No extra charges. IMPS works 24×7.
Is GST applicable on IMPS?
A. GST applies only if charges are levied (usually branch/ATM).
Conclusion
For most customers in 2026, SBI IMPS is free when done online, fast, and available round the clock. Charges mainly apply only for branch or ATM-based IMPS.
