{"id":10072,"date":"2026-01-27T12:12:09","date_gmt":"2026-01-27T12:12:09","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10072"},"modified":"2026-01-27T12:12:09","modified_gmt":"2026-01-27T12:12:09","slug":"sbi-imps-charges-fees-limits-timing-2026","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/sbi-imps-charges-fees-limits-timing-2026\/","title":{"rendered":"SBI IMPS Charges: Fees, Limits & Timing (2026)"},"content":{"rendered":"\n

IMPS (Immediate Payment Service) lets you transfer money instantly, 24×7<\/strong>, including Sundays and bank holidays. State Bank of India (SBI) offers IMPS through YONO, internet banking, ATM, and branch<\/strong>.<\/p>\n\n\n\n

This guide explains SBI IMPS charges, limits, and key rules<\/strong>.<\/p>\n\n\n\n

Quick Summary: SBI IMPS Charges<\/h2>\n\n\n\n
    \n
  • Speed:<\/strong> Instant (real-time)<\/li>\n\n\n\n
  • Availability:<\/strong> 24×7<\/li>\n\n\n\n
  • Online IMPS charges:<\/strong> \u20b90 (Free)<\/strong><\/li>\n\n\n\n
  • Branch \/ ATM IMPS:<\/strong> Charges may apply<\/li>\n\n\n\n
  • GST:<\/strong> Applicable where charges are levied<\/li>\n<\/ul>\n\n\n\n

    SBI IMPS Charges \u2013 Channel-wise<\/h2>\n\n\n\n

    Online IMPS (YONO \/ Internet Banking)<\/h3>\n\n\n\n

    Free of cost<\/strong><\/p>\n\n\n\n

      \n
    • No charges for savings account holders<\/li>\n\n\n\n
    • Applies to most retail customers<\/li>\n\n\n\n
    • Available 24×7<\/li>\n<\/ul>\n\n\n\n

      SBI IMPS via Branch \/ ATM (Indicative)<\/h3>\n\n\n\n
      IMPS Amount<\/th>Charges (approx.)<\/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 \u20b92 lakh<\/td>\u20b915 + GST<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

      Charges may vary by branch, account type, or channel<\/strong>.<\/p>\n\n\n\n

      SBI IMPS Transfer Limits<\/h2>\n\n\n\n
        \n
      • Per transaction:<\/strong> Usually up to \u20b92,00,000<\/strong><\/li>\n\n\n\n
      • Daily limit:<\/strong> Depends on account & channel (YONO \/ INB)<\/li>\n<\/ul>\n\n\n\n

        Always check your YONO app or SBI net banking<\/strong> for exact limits.<\/p>\n\n\n\n

        SBI IMPS Timing<\/h2>\n\n\n\n
          \n
        • 24×7 availability<\/strong><\/li>\n\n\n\n
        • Works on Sundays & bank holidays<\/strong><\/li>\n\n\n\n
        • Money is credited within seconds<\/strong><\/li>\n<\/ul>\n\n\n\n

          When Should You Use IMPS?<\/h2>\n\n\n\n

          IMPS is best when:<\/p>\n\n\n\n

            \n
          • You need instant transfer<\/strong><\/li>\n\n\n\n
          • Amount is small to medium<\/strong><\/li>\n\n\n\n
          • NEFT speed is not sufficient<\/li>\n<\/ul>\n\n\n\n

            For large-value urgent transfers (\u20b92 lakh+), RTGS may be better.<\/p>\n\n\n\n

            Common Issues & Troubleshooting<\/h2>\n\n\n\n

            IMPS failed but amount debited?<\/strong><\/p>\n\n\n\n

              \n
            • Amount is usually auto-reversed within 1 working day<\/strong><\/li>\n<\/ul>\n\n\n\n

              Wrong account number entered?<\/strong><\/p>\n\n\n\n

                \n
              • Contact SBI immediately<\/li>\n\n\n\n
              • Recovery depends on beneficiary bank response<\/li>\n<\/ul>\n\n\n\n

                Security Tips<\/h2>\n\n\n\n
                  \n
                • Double-check account number & IFSC \/ mobile + MMID<\/li>\n\n\n\n
                • Avoid public Wi-Fi while transferring money<\/li>\n\n\n\n
                • Save the IMPS reference number<\/strong><\/li>\n\n\n\n
                • Use only official SBI apps<\/li>\n<\/ul>\n\n\n\n

                  FAQs: SBI IMPS Charges<\/h2>\n\n\n
                  \n
                  \n
                  \n

                  Is IMPS free in SBI?<\/strong><\/h3>\n
                  \n\n

                  A. Yes, online IMPS via YONO and internet banking is free<\/strong>.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  Does SBI charge IMPS on Sundays?<\/strong><\/h3>\n
                  \n\n

                  A. No extra charges. IMPS works 24×7.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  Is GST applicable on IMPS?<\/strong><\/h3>\n
                  \n\n

                  A. GST applies only if charges are levied (usually branch\/ATM).<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

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

                  For most customers in 2026, SBI IMPS is free when done online<\/strong>, fast, and available round the clock. Charges mainly apply only for branch or ATM-based IMPS<\/strong>.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10072","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10072","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=10072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}