{"id":10465,"date":"2026-02-12T09:20:04","date_gmt":"2026-02-12T09:20:04","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10465"},"modified":"2026-02-12T09:20:04","modified_gmt":"2026-02-12T09:20:04","slug":"hdfc-imps-transfer-limit-2026-per-transaction-daily-limits-explained","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/hdfc-imps-transfer-limit-2026-per-transaction-daily-limits-explained\/","title":{"rendered":"HDFC IMPS Transfer Limit 2026: Per Transaction & Daily Limits Explained"},"content":{"rendered":"\n

If you are planning to transfer money using IMPS in HDFC Bank<\/strong>, it\u2019s important to know the transfer limits before making a payment.<\/p>\n\n\n\n

Here\u2019s a complete guide to HDFC IMPS transfer limit in 2026<\/strong>, including per transaction limit, daily cap, and important rules.<\/p>\n\n\n\n

Quick Summary: HDFC IMPS Limit<\/h2>\n\n\n\n
Type<\/th>Limit (Typically)<\/th><\/tr><\/thead>
Minimum Amount<\/td>\u20b91<\/td><\/tr>
Per Transaction Limit<\/td>Up to \u20b95 lakh<\/td><\/tr>
Daily Limit<\/td>Up to \u20b95 lakh (may vary)<\/td><\/tr>
Availability<\/td>24×7<\/td><\/tr>
Charges<\/td>Usually free via online channels<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Exact limits may vary depending on account type and customer profile.<\/p>\n\n\n\n

What is IMPS?<\/h1>\n\n\n\n

IMPS (Immediate Payment Service) allows instant fund transfer between bank accounts.<\/p>\n\n\n\n

You can transfer money using:<\/p>\n\n\n\n

    \n
  • Account number + IFSC<\/li>\n\n\n\n
  • Mobile number + MMID<\/li>\n\n\n\n
  • Through NetBanking or Mobile Banking<\/li>\n<\/ul>\n\n\n\n

    IMPS works 24×7, including Sundays and holidays.<\/p>\n\n\n\n

    HDFC IMPS Per Transaction Limit<\/h1>\n\n\n\n

    In most cases:<\/p>\n\n\n\n

      \n
    • You can transfer up to \u20b95 lakh per transaction<\/strong> via IMPS.<\/li>\n\n\n\n
    • Some accounts may have lower limits initially.<\/li>\n\n\n\n
    • Newly added beneficiaries may have cooling period restrictions.<\/li>\n<\/ul>\n\n\n\n

      Always check inside HDFC NetBanking or Mobile App for your specific limit.<\/p>\n\n\n\n

      HDFC IMPS Daily Limit<\/h1>\n\n\n\n
        \n
      • The daily limit is generally up to \u20b95 lakh.<\/li>\n\n\n\n
      • If you transfer \u20b95 lakh in one transaction, you may not be able to transfer more the same day.<\/li>\n\n\n\n
      • Daily limits may combine with NEFT\/RTGS limits depending on settings.<\/li>\n<\/ul>\n\n\n\n

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

          \n
        • Savings account<\/li>\n\n\n\n
        • Current account<\/li>\n\n\n\n
        • Corporate account<\/li>\n<\/ul>\n\n\n\n

          HDFC IMPS Limit via Different Channels<\/h1>\n\n\n\n

          Mobile Banking (HDFC App)<\/h2>\n\n\n\n
            \n
          • Instant transfers<\/li>\n\n\n\n
          • Usually up to \u20b95 lakh per day<\/li>\n<\/ul>\n\n\n\n

            NetBanking<\/h2>\n\n\n\n
              \n
            • Similar limits as mobile banking<\/li>\n\n\n\n
            • Beneficiary must be added first<\/li>\n<\/ul>\n\n\n\n

              ATM IMPS<\/h2>\n\n\n\n
                \n
              • May have lower limits<\/li>\n\n\n\n
              • Depends on ATM transaction rules<\/li>\n<\/ul>\n\n\n\n

                How to Increase HDFC IMPS Limit<\/h1>\n\n\n\n

                You may be able to:<\/p>\n\n\n\n

                  \n
                • Modify transaction limits in NetBanking<\/li>\n\n\n\n
                • Visit branch to request higher limit<\/li>\n\n\n\n
                • Update KYC if required<\/li>\n<\/ul>\n\n\n\n

                  Approval depends on bank policy and account type.<\/p>\n\n\n\n

                  IMPS Charges in HDFC (2026)<\/h1>\n\n\n\n
                    \n
                  • IMPS via online banking: Usually free<\/li>\n\n\n\n
                  • Branch-assisted transfers: Charges may apply<\/li>\n\n\n\n
                  • GST applicable if charges are levied<\/li>\n<\/ul>\n\n\n\n

                    Always confirm from schedule of charges.<\/p>\n\n\n\n

                    Common Issues & Solutions<\/h1>\n\n\n\n

                    1. IMPS Limit Exceeded<\/h3>\n\n\n\n
                      \n
                    • Check daily transfer amount<\/li>\n\n\n\n
                    • Wait until next day<\/li>\n\n\n\n
                    • Adjust transaction limit settings<\/li>\n<\/ul>\n\n\n\n

                      2. Transfer Failed<\/h3>\n\n\n\n
                        \n
                      • Amount usually auto-reversed within 24\u201348 hours<\/li>\n\n\n\n
                      • Check transaction reference number<\/li>\n<\/ul>\n\n\n\n

                        3. New Beneficiary Limit<\/h3>\n\n\n\n
                          \n
                        • Cooling period may apply<\/li>\n\n\n\n
                        • Lower initial limit may be set<\/li>\n<\/ul>\n\n\n\n

                          Security Tips for IMPS<\/h1>\n\n\n\n
                            \n
                          • Verify beneficiary name before confirming<\/li>\n\n\n\n
                          • Never share OTP<\/li>\n\n\n\n
                          • Double-check account number and IFSC<\/li>\n\n\n\n
                          • Use official HDFC app or website<\/li>\n<\/ul>\n\n\n\n

                            FAQs: HDFC IMPS Transfer Limit<\/h1>\n\n\n
                            \n
                            \n
                            \n

                            1. What is HDFC IMPS maximum limit?<\/h3>\n
                            \n\n

                            A. Typically up to \u20b95 lakh per transaction.<\/p>\n\n<\/div>\n<\/div>\n

                            \n

                            2. Is IMPS available 24×7 in HDFC?<\/h3>\n
                            \n\n

                            A. Yes, IMPS works round the clock.<\/p>\n\n<\/div>\n<\/div>\n

                            \n

                            3. Can I increase IMPS limit?<\/h3>\n
                            \n\n

                            A. Yes, subject to bank policy and account type.<\/p>\n\n<\/div>\n<\/div>\n

                            \n

                            4. Is IMPS free in HDFC?<\/h3>\n
                            \n\n

                            A. Usually free via online banking channels.<\/p>\n\n<\/div>\n<\/div>\n

                            \n

                            5. What if I cross daily limit?<\/h3>\n
                            \n\n

                            A. You must wait until the next day to transfer again.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                            Conclusion<\/h1>\n\n\n\n

                            The HDFC IMPS transfer limit in 2026<\/strong> is generally up to \u20b95 lakh per transaction and per day, but it may vary depending on your account type and settings.<\/p>\n\n\n\n

                            Before making large transfers:<\/p>\n\n\n\n

                              \n
                            • Check your daily limit in the app<\/li>\n\n\n\n
                            • Ensure beneficiary is correctly added<\/li>\n\n\n\n
                            • Confirm transaction details carefully<\/li>\n<\/ul>\n\n\n\n

                              For exact and updated limits, always check inside your HDFC NetBanking or Mobile Banking app.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10465","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10465","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=10465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}