{"id":10207,"date":"2026-02-04T09:32:26","date_gmt":"2026-02-04T09:32:26","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10207"},"modified":"2026-02-04T09:32:26","modified_gmt":"2026-02-04T09:32:26","slug":"kotak-mahindra-bank-imps-charges-2026-guide","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/kotak-mahindra-bank-imps-charges-2026-guide\/","title":{"rendered":"Kotak Mahindra Bank IMPS Charges (2026 Guide)"},"content":{"rendered":"\n

Kotak Bank IMPS charges<\/strong> depend on your account type, transfer amount, and channel (online or branch)<\/strong>. IMPS (Immediate Payment Service) allows instant money transfer 24×7<\/strong>, including holidays.<\/p>\n\n\n\n

Quick Summary<\/h2>\n\n\n\n
    \n
  • Service:<\/strong> IMPS fund transfer<\/li>\n\n\n\n
  • Availability:<\/strong> 24×7<\/li>\n\n\n\n
  • Mode:<\/strong> Mobile banking, net banking, branch<\/li>\n\n\n\n
  • Charges:<\/strong> Often free online<\/strong>, branch charges may apply<\/li>\n<\/ul>\n\n\n\n

    Kotak IMPS Charges \u2013 Typical Structure<\/h2>\n\n\n\n

    Online IMPS (Mobile App \/ Net Banking)<\/h3>\n\n\n\n
      \n
    • Charges:<\/strong>\n
        \n
      • Usually \u20b90 (free)<\/strong> for most savings accounts<\/li>\n\n\n\n
      • Some premium or salary accounts also get free IMPS<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

        Many Kotak customers do not pay any IMPS fee<\/strong> for online transfers.<\/p>\n\n\n\n

        IMPS Through Branch<\/h3>\n\n\n\n

        If IMPS is done at a branch:<\/p>\n\n\n\n

          \n
        • Charges:<\/strong>\n
            \n
          • Around \u20b92.50 to \u20b910 per transaction<\/strong><\/li>\n\n\n\n
          • May vary by branch and amount<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

            Kotak IMPS Transaction Limits (Indicative)<\/h2>\n\n\n\n
            Type<\/th>Limit<\/th><\/tr><\/thead>
            Per transaction<\/td>Up to \u20b95 lakh<\/strong> (varies by channel)<\/td><\/tr>
            Daily limit<\/td>As per account\/app policy<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

            Limits may differ for:<\/p>\n\n\n\n

              \n
            • New beneficiaries<\/li>\n\n\n\n
            • Newly activated accounts<\/li>\n<\/ul>\n\n\n\n

              When Are IMPS Charges Applied?<\/h2>\n\n\n\n

              Kotak may charge IMPS fees if:<\/p>\n\n\n\n

                \n
              • Transaction is done at branch<\/strong><\/li>\n\n\n\n
              • Account variant has no free IMPS benefit<\/strong><\/li>\n\n\n\n
              • Special service charges apply (rare cases)<\/li>\n<\/ul>\n\n\n\n

                Always check your Schedule of Charges<\/strong> for confirmation.<\/p>\n\n\n\n

                How to Check Exact IMPS Charges<\/h2>\n\n\n\n

                You can verify charges by:<\/p>\n\n\n\n

                  \n
                • Checking Kotak mobile app<\/strong> \u2192 Fees \/ Charges<\/li>\n\n\n\n
                • Viewing Schedule of Charges<\/strong> in net banking<\/li>\n\n\n\n
                • Confirming with Kotak customer care or branch<\/strong><\/li>\n<\/ul>\n\n\n\n

                  IMPS vs NEFT (Cost Comparison)<\/h2>\n\n\n\n
                  Feature<\/th>IMPS<\/th>NEFT<\/th><\/tr><\/thead>
                  Speed<\/td>Instant<\/td>Near real-time<\/td><\/tr>
                  Availability<\/td>24×7<\/td>24×7<\/td><\/tr>
                  Charges (online)<\/td>Usually free<\/td>Usually free<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

                  FAQs<\/h2>\n\n\n
                  \n
                  \n
                  \n

                  Q. Is Kotak IMPS free?<\/strong><\/h3>\n
                  \n\n

                  A. For most customers, online IMPS is free<\/strong>. Branch IMPS may have charges.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  Q. Are IMPS charges deducted immediately?<\/strong><\/h3>\n
                  \n\n

                  A. Yes, if applicable, charges are debited along with the transaction.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  Q. Do failed IMPS transactions get charges?<\/strong><\/h3>\n
                  \n\n

                  A. Generally, charges are not applied<\/strong> for failed transactions.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                  Security Tips<\/h2><\/div>\n\n\n\n
                    \n
                  • Always double-check beneficiary details<\/li>\n\n\n\n
                  • Avoid branch transfers unless necessary<\/li>\n\n\n\n
                  • Use official Kotak banking apps only<\/li>\n<\/ul>\n\n\n\n

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

                    Kotak Mahindra Bank IMPS charges<\/strong> are usually nil for online transfers<\/strong>, making IMPS a fast and cost-effective option. Charges may apply for branch-based IMPS<\/strong>, so it\u2019s best to use mobile or net banking<\/strong> and confirm your account\u2019s fee structure for exact details.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10207","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10207","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=10207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}