{"id":10007,"date":"2026-01-22T09:23:11","date_gmt":"2026-01-22T09:23:11","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10007"},"modified":"2026-01-22T09:23:11","modified_gmt":"2026-01-22T09:23:11","slug":"hdfc-bank-imps-charges-fees-limits-rules-india-2026","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/hdfc-bank-imps-charges-fees-limits-rules-india-2026\/","title":{"rendered":"HDFC Bank IMPS Charges: Fees, Limits & Rules (India, 2026)"},"content":{"rendered":"\n

IMPS (Immediate Payment Service)<\/strong> lets you transfer money instantly, 24×7<\/strong>. HDFC Bank applies slab-based charges<\/strong>, mainly for outward IMPS<\/strong>.<\/p>\n\n\n\n

Quick Summary<\/h3>\n\n\n\n
    \n
  • Availability:<\/strong> 24×7 (including holidays)<\/li>\n\n\n\n
  • Credit time:<\/strong> Instant<\/li>\n\n\n\n
  • Charges:<\/strong> Slab-wise (outward transfers)<\/li>\n\n\n\n
  • Inbound IMPS:<\/strong> Usually free<\/strong><\/li>\n<\/ul>\n\n\n\n

    HDFC Bank IMPS Charges (Indicative)<\/h2>\n\n\n\n

    Outward IMPS (Sending Money)<\/h3>\n\n\n\n
    Transfer Amount<\/th>Charges*<\/th><\/tr><\/thead>
    Up to \u20b91,000<\/td>\u20b92.50 + GST<\/td><\/tr>
    \u20b91,001 \u2013 \u20b925,000<\/td>\u20b95 + GST<\/td><\/tr>
    \u20b925,001 \u2013 \u20b91 lakh<\/td>\u20b910 + GST<\/td><\/tr>
    \u20b91 lakh \u2013 \u20b95 lakh<\/td>\u20b915 + GST<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    *Charges may vary by account type or channel.<\/p>\n\n\n\n

    Inward IMPS (Receiving Money)<\/h3>\n\n\n\n
      \n
    • \u20b90 (Free)<\/strong> in most cases<\/li>\n<\/ul>\n\n\n\n

      IMPS Limits \u2013 HDFC Bank<\/h2>\n\n\n\n
        \n
      • Per transaction:<\/strong> Up to \u20b95 lakh<\/strong> (may vary)<\/li>\n\n\n\n
      • Daily limit:<\/strong> Depends on account profile and channel (net\/mobile banking)<\/li>\n<\/ul>\n\n\n\n

        How IMPS Charges Are Applied<\/h2>\n\n\n\n
          \n
        • Charges are debited instantly<\/strong> from your account<\/li>\n\n\n\n
        • GST<\/strong> is applied on the service fee (not on the transfer amount)<\/li>\n<\/ul>\n\n\n\n

          IMPS vs NEFT vs RTGS (Cost Snapshot)<\/h2>\n\n\n\n
          Mode<\/th>Charges (Online)<\/th>Speed<\/th><\/tr><\/thead>
          IMPS<\/td>Chargeable<\/td>Instant<\/td><\/tr>
          NEFT<\/td>Usually Free<\/td>Near-real-time<\/td><\/tr>
          RTGS<\/td>Often Free<\/td>Real-time (\u20b92L+)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

          FAQs \u2013 HDFC IMPS Charges<\/h2>\n\n\n
          \n
          \n
          \n

          Q1. Is IMPS free in HDFC Bank?<\/strong><\/h3>\n
          \n\n

          A. No. IMPS usually has small charges<\/strong> for outward transfers.<\/p>\n\n<\/div>\n<\/div>\n

          \n

          Q2. Are charges same on mobile and net banking?<\/strong><\/h3>\n
          \n\n

          A. Typically yes, but may vary<\/strong> by channel or account type.<\/p>\n\n<\/div>\n<\/div>\n

          \n

          Q3. Is GST charged on IMPS?<\/strong><\/h3>\n
          \n\n

          A. Yes, GST applies on the service fee<\/strong>.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

          Conclusion<\/h2><\/div>\n\n\n\n

          HDFC Bank IMPS charges<\/strong> are modest and slab-based, making IMPS ideal for urgent transfers<\/strong> despite a small fee. For cost-free transfers, NEFT<\/strong> is a good alternative when time isn\u2019t critical.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10007","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10007","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10007"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}