{"id":10424,"date":"2026-02-11T08:18:47","date_gmt":"2026-02-11T08:18:47","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10424"},"modified":"2026-02-11T08:18:47","modified_gmt":"2026-02-11T08:18:47","slug":"bank-of-baroda-imps-charges-fees-limits-rules-2026","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/bank-of-baroda-imps-charges-fees-limits-rules-2026\/","title":{"rendered":"Bank of Baroda IMPS Charges \u2013 Fees, Limits & Rules (2026)"},"content":{"rendered":"\n

Bank of Baroda (BoB) IMPS charges<\/strong> apply when you transfer money instantly using the Immediate Payment Service (IMPS)<\/strong>. IMPS is available 24×7<\/strong>, including Sundays and bank holidays, and is ideal for urgent fund transfers.<\/p>\n\n\n\n

Quick Summary<\/h2>\n\n\n\n
    \n
  • Bank:<\/strong> Bank of Baroda<\/li>\n\n\n\n
  • Transfer mode:<\/strong> IMPS<\/li>\n\n\n\n
  • Availability:<\/strong> 24×7<\/li>\n\n\n\n
  • Speed:<\/strong> Instant credit<\/li>\n\n\n\n
  • Charges:<\/strong> Slab-based<\/li>\n\n\n\n
  • GST:<\/strong> Applicable extra<\/li>\n<\/ul>\n\n\n\n

    Bank of Baroda IMPS Charges (Slab-Wise)<\/h2>\n\n\n\n

    IMPS charges in BoB usually depend on the transfer amount:<\/p>\n\n\n\n

    IMPS Transfer Amount<\/th>Charges (\u20b9)<\/th><\/tr><\/thead>
    Up to \u20b91,000<\/td>\u20b92.50<\/td><\/tr>
    \u20b91,001 \u2013 \u20b925,000<\/td>\u20b95<\/td><\/tr>
    \u20b925,001 \u2013 \u20b91 lakh<\/td>\u20b915<\/td><\/tr>
    \u20b91,00,001 \u2013 \u20b92 lakh<\/td>\u20b925<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    GST is applicable on the above charges. Exact fees may vary by account type.<\/p>\n\n\n\n

    IMPS Charges by Channel<\/h2>\n\n\n\n

    IMPS via Mobile Banking \/ Net Banking<\/h3>\n\n\n\n
      \n
    • Charges apply as per slab<\/li>\n\n\n\n
    • Some premium or salary accounts may get limited free transactions<\/li>\n<\/ul>\n\n\n\n

      IMPS via Branch<\/h3>\n\n\n\n
        \n
      • May attract higher service charges<\/li>\n\n\n\n
      • Not commonly used for IMPS<\/li>\n<\/ul>\n\n\n\n

        Bank of Baroda IMPS Transfer Limits<\/h2>\n\n\n\n
          \n
        • Minimum amount:<\/strong> \u20b91<\/li>\n\n\n\n
        • Maximum per transaction:<\/strong> \u20b92 lakh<\/li>\n\n\n\n
        • Daily limit:<\/strong> As per customer profile and bank policy<\/li>\n<\/ul>\n\n\n\n

          You can check your personal limit in the BoB mobile banking app.<\/p>\n\n\n\n

          When Are IMPS Charges Deducted?<\/h2>\n\n\n\n
            \n
          • IMPS charges are deducted immediately<\/strong><\/li>\n\n\n\n
          • Reflected separately in your bank statement<\/li>\n\n\n\n
          • May appear as:\n
              \n
            • IMPS CHG<\/li>\n\n\n\n
            • ADC IMPS CHG<\/li>\n\n\n\n
            • TID CHG<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

              IMPS Failed but Amount Debited?<\/h2>\n\n\n\n
                \n
              • Usually reversed within 1 working day<\/strong><\/li>\n\n\n\n
              • Keep the IMPS reference number<\/li>\n\n\n\n
              • Contact BoB customer care if reversal is delayed<\/li>\n<\/ul>\n\n\n\n

                IMPS vs NEFT in Bank of Baroda<\/h2>\n\n\n\n
                Feature<\/th>IMPS<\/th>NEFT<\/th><\/tr><\/thead>
                Speed<\/td>Instant<\/td>Batch-based<\/td><\/tr>
                Availability<\/td>24×7<\/td>24×7<\/td><\/tr>
                Charges<\/td>Slab-based<\/td>Often free online<\/td><\/tr>
                Best For<\/td>Urgent transfers<\/td>Planned payments<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

                How to Avoid IMPS Charges<\/h2>\n\n\n\n
                  \n
                • Use UPI (usually free)<\/strong><\/li>\n\n\n\n
                • Use NEFT online<\/strong> if urgency is not required<\/li>\n\n\n\n
                • Check if your account offers free IMPS transactions<\/li>\n<\/ul>\n\n\n\n

                  FAQs on BoB IMPS Charges<\/h2>\n\n\n
                  \n
                  \n
                  \n

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

                  A. IMPS is generally chargeable, but some accounts may offer free transactions.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

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

                  A. Yes, GST applies on IMPS charges.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  What is the maximum IMPS limit?<\/strong><\/h3>\n
                  \n\n

                  A. Up to \u20b92 lakh per transaction.<\/p>\n\n<\/div>\n<\/div>\n

                  \n

                  Can IMPS be done on holidays?<\/strong><\/h3>\n
                  \n\n

                  A. Yes, IMPS works 24×7, including holidays.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

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

                  Bank of Baroda IMPS is a fast and secure<\/strong> way to transfer money instantly. However, it comes with slab-based charges<\/strong> depending on the amount transferred. Always check your account type and transaction limits in the BoB app for accurate details.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10424","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10424","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=10424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}