{"id":7416,"date":"2025-07-03T12:33:10","date_gmt":"2025-07-03T12:33:10","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=7416"},"modified":"2025-07-03T12:34:23","modified_gmt":"2025-07-03T12:34:23","slug":"hdfc-neft-charges","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/hdfc-neft-charges\/","title":{"rendered":"HDFC NEFT, IMPS and RTGS Charges"},"content":{"rendered":"\n<h3 id='online-netbanking-mobile-banking'  id=\"boomdevs_1\" class=\"wp-block-heading\">Online (NetBanking \/ Mobile Banking)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Free of charge<\/strong> \u2014 NEFT transactions via HDFC\u2019s online platforms have been free since November 2017.<\/li>\n<\/ul>\n\n\n\n<h3 id='branch-based-offline'  id=\"boomdevs_2\" class=\"wp-block-heading\">Branch-Based (Offline)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to \u20b91 lakh: \u20b92 + GST<\/li>\n\n\n\n<li>Above \u20b91 lakh: \u20b910 + GST<br><em>(Revised as of August 1, 2025:)<\/em>\n<ul class=\"wp-block-list\">\n<li>Up to \u20b910,000: \u20b92<\/li>\n\n\n\n<li>\u20b910,001\u2013\u20b91,00,000: \u20b94<\/li>\n\n\n\n<li>\u20b91,00,001\u2013\u20b92,00,000: \u20b914<\/li>\n\n\n\n<li>Above \u20b92,00,000: \u20b924<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 id='imps-charges'  id=\"boomdevs_3\" class=\"wp-block-heading\">IMPS Charges<\/h2>\n\n\n\n<h3 id='online'  id=\"boomdevs_4\" class=\"wp-block-heading\">Online<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to \u20b91,000: \u20b92.50<\/li>\n\n\n\n<li>\u20b91,001\u2013\u20b91,00,000: \u20b95<\/li>\n\n\n\n<li>Above \u20b91,00,000: \u20b915<br><em>(New rates effective August 1, 2025; otherwise unchanged from current structure.)<\/em><\/li>\n<\/ul>\n\n\n\n<h2 id='rtgs-charges'  id=\"boomdevs_5\" class=\"wp-block-heading\">RTGS Charges<\/h2>\n\n\n\n<h3 id='online-1'  id=\"boomdevs_6\" class=\"wp-block-heading\">Online<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Free of charge<\/strong> since November 2017 for RTGS initiated via net\/mobile banking.<\/li>\n<\/ul>\n\n\n\n<h3 id='branch-based-offline-1'  id=\"boomdevs_7\" class=\"wp-block-heading\">Branch-Based (Offline)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b92 lakh to \u20b95 lakh: \u20b920<\/li>\n\n\n\n<li>Above \u20b95 lakh: \u20b945<br><em>(Effective August 1, 2025; current prices are \u20b915 for any \u2265\u20b92\u202flakh transaction.)<\/em><\/li>\n<\/ul>\n\n\n\n<h2 id='charges-breakdown-at-a-glance'  id=\"boomdevs_8\" class=\"wp-block-heading\">Charges Breakdown at a Glance<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Service<\/strong><\/th><th><strong>Mode<\/strong><\/th><th><strong>Charge (Excl. GST)<\/strong><\/th><\/tr><\/thead><tbody><tr><td>NEFT<\/td><td>Online<\/td><td>\u20b90<\/td><\/tr><tr><td>NEFT<\/td><td>Branch (Offline)<\/td><td>\u20b92\u2013\u20b924 (depending on amount, from August 2025)<\/td><\/tr><tr><td>IMPS<\/td><td>Online<\/td><td>\u20b92.50 \u2013 \u20b915 (depending on amount, from Aug 2025)<\/td><\/tr><tr><td>RTGS<\/td><td>Online<\/td><td>\u20b90<\/td><\/tr><tr><td>RTGS<\/td><td>Branch (Offline)<\/td><td>\u20b920 (\u20b92L\u2013\u20b95L), \u20b945 (above \u20b95L, from Aug 2025)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id='transaction-availability'  id=\"boomdevs_9\" class=\"wp-block-heading\">Transaction Availability<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Online NEFT, RTGS, IMPS<\/strong>: Available <strong>24\u00d77, all days<\/strong>, including holidays.<\/li>\n\n\n\n<li><strong>Branch-based services<\/strong>: Subject to branch working hours only.<\/li>\n<\/ul>\n\n\n\n<h2 id='regulatory-update-july-2025'  id=\"boomdevs_10\" class=\"wp-block-heading\">Regulatory Update \u2014 July 2025<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Starting <strong>July 1, 2025<\/strong>, HDFC Bank and other major banks will begin applying <strong>charges on high-value digital transactions<\/strong>, per changes in banking regulations. This may impact some online payments beyond defined thresholds, particularly for large fund transfers.<\/p>\n\n\n\n<h2 id='quick-summary'  id=\"boomdevs_11\" class=\"wp-block-heading\">Quick Summary<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NEFT &amp; RTGS online<\/strong>: Completely free anytime.<\/li>\n\n\n\n<li><strong>IMPS online<\/strong>: Nominal, tiered charges applicable.<\/li>\n\n\n\n<li><strong>Branch-based transfers<\/strong>: Affordable fees based on transfer size; revised upward from August 2025.<\/li>\n\n\n\n<li><strong>Always check post-July 2025 updates<\/strong> for high-value digital charge impact.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-7416","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"web-stories-poster-portrait":false,"web-stories-publisher-logo":false,"web-stories-thumbnail":false},"uagb_author_info":{"display_name":"Sanjit Chakrabortty","author_link":"https:\/\/lemonn.co.in\/blog\/author\/"},"uagb_comment_info":0,"uagb_excerpt":"Online (NetBanking \/ Mobile Banking) Branch-Based (Offline) IMPS Charges Online RTGS Charges Online Branch-Based (Offline) Charges Breakdown at a Glance Service Mode Charge (Excl. GST) NEFT Online \u20b90 NEFT Branch (Offline) \u20b92\u2013\u20b924 (depending on amount, from August 2025) IMPS Online \u20b92.50 \u2013 \u20b915 (depending on amount, from Aug 2025) RTGS Online \u20b90 RTGS Branch (Offline)&hellip;","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/7416","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=7416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}