{"id":10249,"date":"2026-02-06T08:08:21","date_gmt":"2026-02-06T08:08:21","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10249"},"modified":"2026-02-06T08:08:21","modified_gmt":"2026-02-06T08:08:21","slug":"kotak-imps-charges-2026-fees-limits-timings-explained","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/kotak-imps-charges-2026-fees-limits-timings-explained\/","title":{"rendered":"Kotak IMPS Charges (2026) \u2013 Fees, Limits & Timings Explained"},"content":{"rendered":"\n

If you use IMPS (Immediate Payment Service)<\/strong> with Kotak Mahindra Bank<\/strong>, it\u2019s important to know the charges, limits, and timings<\/strong> before making a transfer. Here\u2019s a simple, up-to-date guide in easy Indian English.<\/p>\n\n\n\n

Quick Summary: Kotak IMPS Charges<\/h2>\n\n\n\n
    \n
  • Service availability:<\/strong> 24×7 (including Sundays & bank holidays)<\/li>\n\n\n\n
  • Credit time:<\/strong> Instant (usually within seconds)<\/li>\n\n\n\n
  • Charges:<\/strong> May vary based on amount and account type<\/li>\n\n\n\n
  • Channels:<\/strong> Mobile banking, net banking, ATM<\/li>\n<\/ul>\n\n\n\n

    Kotak IMPS Charges (Indicative)<\/h2>\n\n\n\n

    Kotak\u2019s IMPS fees are typically slab-based. Below is the commonly followed structure<\/strong>, but exact charges may vary by account type or promotional offers<\/strong>.<\/p>\n\n\n\n

    IMPS Transfer Amount<\/th>IMPS Charges (\u20b9)<\/th><\/tr><\/thead>
    Up to \u20b91,000<\/td>\u20b90 \u2013 \u20b95<\/td><\/tr>
    \u20b91,001 to \u20b925,000<\/td>\u20b95 \u2013 \u20b96<\/td><\/tr>
    \u20b925,001 to \u20b91 lakh<\/td>\u20b96 \u2013 \u20b910<\/td><\/tr>
    Above \u20b91 lakh<\/td>\u20b910 \u2013 \u20b915<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Note:<\/strong> Some Kotak savings accounts may offer free IMPS transfers<\/strong>, especially via the mobile app. Always check in your Kotak banking app for confirmation.<\/p>\n\n\n\n

    IMPS Transaction Limits \u2013 Kotak Bank<\/h2>\n\n\n\n
      \n
    • Per transaction limit:<\/strong> Typically up to \u20b92 lakh<\/li>\n\n\n\n
    • Daily limit:<\/strong> Depends on your account and channel<\/li>\n\n\n\n
    • Minimum amount:<\/strong> \u20b91<\/li>\n<\/ul>\n\n\n\n

      Limits can be customised in Kotak Net Banking or Mobile Banking<\/strong>.<\/p>\n\n\n\n

      How to Do IMPS from Kotak Bank<\/h2>\n\n\n\n

      You can use IMPS through:<\/p>\n\n\n\n

      1. Kotak Mobile Banking App<\/h3>\n\n\n\n
        \n
      • Login \u2192 Payments\/Transfer<\/li>\n\n\n\n
      • Select IMPS<\/strong><\/li>\n\n\n\n
      • Enter beneficiary details (Mobile+MMID or Account+IFSC)<\/li>\n\n\n\n
      • Confirm and transfer<\/li>\n<\/ul>\n\n\n\n

        2. Kotak Net Banking<\/h3>\n\n\n\n
          \n
        • Login \u2192 Fund Transfer<\/li>\n\n\n\n
        • Choose IMPS<\/strong><\/li>\n\n\n\n
        • Enter amount and beneficiary<\/li>\n\n\n\n
        • Submit with OTP<\/li>\n<\/ul>\n\n\n\n

          3. Kotak ATM<\/h3>\n\n\n\n
            \n
          • Insert debit card \u2192 Fund Transfer<\/li>\n\n\n\n
          • Select IMPS<\/strong><\/li>\n\n\n\n
          • Enter beneficiary details<\/li>\n<\/ul>\n\n\n\n

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

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

            A. IMPS may be free for some Kotak accounts and digital channels. Charges depend on your account variant.<\/p>\n\n<\/div>\n<\/div>\n

            \n

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

            A. Yes, any applicable charges are debited instantly along with the transfer amount.<\/p>\n\n<\/div>\n<\/div>\n

            \n

            Is IMPS available at night?<\/strong><\/h3>\n
            \n\n

            A. Yes. IMPS works 24×7<\/strong>, including late nights, weekends, and holidays.<\/p>\n\n<\/div>\n<\/div>\n

            \n

            What if IMPS fails but money is debited?<\/strong><\/h3>\n
            \n\n

            A. The amount is usually auto-reversed within 24 hours<\/strong>. If not, contact Kotak customer care.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

            Troubleshooting IMPS Issues<\/h2><\/div>\n\n\n\n
              \n
            • Ensure sufficient balance (including charges)<\/li>\n\n\n\n
            • Check daily IMPS limit<\/li>\n\n\n\n
            • Verify beneficiary IFSC\/MMID<\/li>\n\n\n\n
            • Update your mobile app to the latest version<\/li>\n<\/ul>\n\n\n\n

              Security Tips for IMPS Transfers<\/h2>\n\n\n\n
                \n
              • Never share OTP or MPIN<\/li>\n\n\n\n
              • Double-check beneficiary details<\/li>\n\n\n\n
              • Use official Kotak app or website only<\/li>\n\n\n\n
              • Enable SMS\/email alerts for transactions<\/li>\n<\/ul>\n\n\n\n

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

                Kotak IMPS is a fast, reliable, and mostly low-cost<\/strong> way to send money instantly. Charges are usually minimal and, in many cases, free for digital users<\/strong>. Since fees and limits can vary, the safest option is to check your Kotak Mobile Banking app<\/strong> before transferring.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10249","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10249","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=10249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}