{"id":10400,"date":"2026-02-10T07:25:22","date_gmt":"2026-02-10T07:25:22","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10400"},"modified":"2026-02-10T07:25:22","modified_gmt":"2026-02-10T07:25:22","slug":"icici-bank-imps-charges-fees-limits-rules-2026","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/icici-bank-imps-charges-fees-limits-rules-2026\/","title":{"rendered":"ICICI Bank IMPS Charges \u2013 Fees, Limits & Rules (2026)"},"content":{"rendered":"\n

ICICI Bank IMPS charges<\/strong> depend on the transfer amount and account type<\/strong>. IMPS (Immediate Payment Service) allows instant money transfer 24×7<\/strong>, including weekends and bank holidays.<\/p>\n\n\n\n

Below is a clear, updated guide in simple Indian English.<\/p>\n\n\n\n

Quick Summary: ICICI Bank IMPS Charges<\/h2>\n\n\n\n
    \n
  • Transfer type:<\/strong> IMPS<\/li>\n\n\n\n
  • Speed:<\/strong> Instant<\/li>\n\n\n\n
  • Availability:<\/strong> 24×7<\/li>\n\n\n\n
  • Charges:<\/strong> Amount-based (often free for many users)<\/li>\n\n\n\n
  • GST:<\/strong> Extra, if applicable<\/li>\n<\/ul>\n\n\n\n

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

    Charges may vary by savings account variant, salary account, or special offers. Always check in the iMobile app or net banking before confirming.<\/p>\n\n\n\n

    IMPS Transfer Amount<\/th>IMPS Charges*<\/th><\/tr><\/thead>
    Up to \u20b91,000<\/td>Free \u2013 \u20b92.50<\/td><\/tr>
    \u20b91,001 to \u20b925,000<\/td>\u20b92.50 \u2013 \u20b95<\/td><\/tr>
    \u20b925,001 to \u20b91 lakh<\/td>\u20b95 \u2013 \u20b910<\/td><\/tr>
    Above \u20b91 lakh<\/td>\u20b910 \u2013 \u20b915<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    *GST may be charged extra on the service fee.<\/p>\n\n\n\n

    Many ICICI savings and salary accounts offer FREE IMPS<\/strong>, especially when done through the iMobile app or net banking<\/strong>.<\/p>\n\n\n\n

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

    IMPS charges may apply when:<\/p>\n\n\n\n

      \n
    • You exceed free transaction limits (if any)<\/li>\n\n\n\n
    • You use certain non-digital channels<\/li>\n\n\n\n
    • Your account type does not include free IMPS<\/li>\n<\/ul>\n\n\n\n

      In-app IMPS transfers are often free<\/strong> for retail users.<\/p>\n\n\n\n

      ICICI Bank IMPS Limits (Indicative)<\/h2>\n\n\n\n
        \n
      • Per transaction limit:<\/strong> As defined by ICICI Bank<\/li>\n\n\n\n
      • Daily limit:<\/strong> Depends on account type and security level<\/li>\n<\/ul>\n\n\n\n

        Limits are clearly shown on the confirmation screen before payment.<\/p>\n\n\n\n

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

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

          \n
        • Checking the iMobile Pay app<\/strong> during transfer<\/li>\n\n\n\n
        • Using ICICI net banking<\/strong><\/li>\n\n\n\n
        • Contacting ICICI customer care<\/li>\n\n\n\n
        • Visiting your home branch<\/li>\n<\/ul>\n\n\n\n

          IMPS vs Other ICICI Transfer Charges<\/h2>\n\n\n\n
          Method<\/th>Speed<\/th>Charges<\/th><\/tr><\/thead>
          IMPS<\/td>Instant<\/td>Low \/ Often free<\/td><\/tr>
          NEFT<\/td>Near real-time<\/td>Usually free<\/td><\/tr>
          RTGS<\/td>Real-time (\u20b92L+)<\/td>Low \/ Often free<\/td><\/tr>
          UPI<\/td>Instant<\/td>Free<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

          Common Questions & Tips<\/h2>\n\n\n\n

          IMPS failed \u2013 will charges be deducted?<\/h3>\n\n\n\n
            \n
          • If IMPS fails and amount is reversed, charges are usually not applied<\/strong><\/li>\n\n\n\n
          • Reversal typically happens within a few hours<\/li>\n<\/ul>\n\n\n\n

            Is IMPS cheaper than RTGS?<\/h3>\n\n\n\n
              \n
            • For small amounts, IMPS is cheaper and faster<\/strong><\/li>\n\n\n\n
            • RTGS is meant for large-value transfers<\/li>\n<\/ul>\n\n\n\n

              FAQs: ICICI Bank IMPS Charges<\/h2>\n\n\n
              \n
              \n
              \n

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

              A. For many savings and salary accounts, yes\u2014especially via iMobile or net banking.<\/p>\n\n<\/div>\n<\/div>\n

              \n

              Q2. Does ICICI charge IMPS at night or on holidays?<\/strong><\/h3>\n
              \n\n

              A. Charges remain the same. IMPS works 24×7.<\/p>\n\n<\/div>\n<\/div>\n

              \n

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

              A. GST applies only on the service fee, not on the transfer amount.<\/p>\n\n<\/div>\n<\/div>\n

              \n

              Q4. Can IMPS charges change?<\/strong><\/h3>\n
              \n\n

              A. Yes. Charges may change as per bank policy.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

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

              ICICI Bank IMPS charges<\/strong> are generally low or zero<\/strong> for most retail customers, making IMPS a fast and cost-effective way to send money instantly. Before transferring, always check the on-screen charges<\/strong> in the app or net banking to avoid surprises.<\/p>\n\n\n\n

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