{"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>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><\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-7416","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_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}]}}