{"id":7505,"date":"2025-07-08T09:23:11","date_gmt":"2025-07-08T09:23:11","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=7505"},"modified":"2025-07-08T09:23:11","modified_gmt":"2025-07-08T09:23:11","slug":"sbi-neft-charges-2025-complete-fee-structure-guide","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/sbi-neft-charges-2025-complete-fee-structure-guide\/","title":{"rendered":"SBI NEFT Charges 2025: Complete Fee Structure & Guide"},"content":{"rendered":"\n

Need to transfer money through NEFT from your SBI account<\/strong>? It\u2019s a safe and widely used method for sending money to other banks in India. But how much does it cost?<\/p>\n\n\n\n

Here\u2019s a complete breakdown of SBI NEFT charges in 2025<\/strong>, plus tips to avoid fees when possible.<\/p>\n\n\n\n

What Is NEFT in SBI?<\/h2>\n\n\n\n

NEFT (National Electronic Funds Transfer)<\/strong> is an RBI-regulated payment system that lets you transfer funds to any bank account in India. It\u2019s ideal for sending money that doesn\u2019t need to arrive instantly.<\/p>\n\n\n\n

Available via:<\/p>\n\n\n\n

    \n
  • SBI branch<\/strong><\/li>\n\n\n\n
  • YONO<\/strong> app<\/li>\n\n\n\n
  • OnlineSBI<\/strong> internet banking<\/li>\n\n\n\n
  • SBI mobile app<\/strong><\/li>\n<\/ul>\n\n\n\n

    SBI NEFT Charges (2025)<\/h2>\n\n\n\n

    SBI does not charge any NEFT fees<\/strong> for online transactions \u2014 only branch-based NEFT<\/strong> has charges.<\/p>\n\n\n\n

    NEFT Charges at SBI Branch (Offline Mode)<\/h3>\n\n\n\n
    Amount Range<\/th>Charges (excluding GST)<\/th><\/tr><\/thead>
    Up to \u20b910,000<\/td>\u20b92.00<\/td><\/tr>
    \u20b910,001 to \u20b91 lakh<\/td>\u20b94.00<\/td><\/tr>
    \u20b91 lakh to \u20b92 lakhs<\/td>\u20b912.00<\/td><\/tr>
    Above \u20b92 lakhs<\/td>\u20b920.00<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    GST extra<\/strong> as applicable (currently 18%)<\/p>\n\n\n\n

    NEFT Charges for Online Transfers (YONO, Net Banking)<\/h2>\n\n\n\n

    \u20b90 \u2014 Free of Cost<\/strong><\/p>\n\n\n\n

    SBI does not charge any fees<\/strong> for NEFT transactions done through:<\/p>\n\n\n\n

      \n
    • Internet banking (OnlineSBI)<\/strong><\/li>\n\n\n\n
    • YONO app<\/strong><\/li>\n\n\n\n
    • SBI mobile banking<\/strong><\/li>\n<\/ul>\n\n\n\n

      This makes digital banking the most cost-effective option.<\/p>\n\n\n\n

      SBI NEFT Timings (2025)<\/h2>\n\n\n\n
        \n
      • Online NEFT<\/strong>: Available 24\u00d77\u00d7365<\/strong><\/li>\n\n\n\n
      • Branch NEFT<\/strong>: During branch working hours (usually 10:00 AM to 4:00 PM on weekdays, shorter on Saturdays)<\/li>\n<\/ul>\n\n\n\n

        Transfers are processed in half-hour batches<\/strong>, as per RBI NEFT guidelines.<\/p>\n\n\n\n

        NEFT Transaction Limits in SBI<\/h2>\n\n\n\n
        Mode<\/th>Daily Limit<\/th><\/tr><\/thead>
        Internet Banking (Retail)<\/td>\u20b910 lakhs\/day<\/td><\/tr>
        YONO App<\/td>\u20b910 lakhs\/day<\/td><\/tr>
        Branch<\/td>Based on account KYC and bank discretion<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

        FAQs<\/h2>\n\n\n
        \n
        \n
        \n

        Q1: Is NEFT free in SBI?<\/h3>\n
        \n\n

        A. Yes, NEFT is free if done online<\/strong>. Charges apply only if you visit a branch to send money.<\/p>\n\n<\/div>\n<\/div>\n

        \n

        Q2: Can I send NEFT transfers on Sundays?<\/h3>\n
        \n\n

        A. Yes. NEFT via internet banking or YONO is available 24\u00d77<\/strong>, even on Sundays and holidays.<\/p>\n\n<\/div>\n<\/div>\n

        \n

        Q3: How long does it take for NEFT to reflect?<\/h3>\n
        \n\n

        A. NEFT is usually processed in 30-minute batches<\/strong>, so the beneficiary typically receives the money within 1\u20132 hours<\/strong>.<\/p>\n\n<\/div>\n<\/div>\n

        \n

        Q4: Is there a way to track an NEFT transaction?<\/h3>\n
        \n\n

        A. Yes. You\u2019ll get a reference number or UTR<\/strong> (Unique Transaction Reference), which can be used to track the status via:
        SBI customer care
        Beneficiary bank<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

        Key Takeaways<\/h2>\n\n\n\n
          \n
        • Use SBI online platforms<\/strong> (YONO, Net Banking) to avoid NEFT fees.<\/li>\n\n\n\n
        • Branch-based NEFT<\/strong> has charges ranging from \u20b92 to \u20b920 + GST.<\/li>\n\n\n\n
        • NEFT is secure, RBI-regulated, and now available 24\u00d77.<\/li>\n\n\n\n
        • Perfect for non-urgent transfers to other bank accounts in India.<\/li>\n<\/ul>\n\n\n\n

          <\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-7505","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/7505","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=7505"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}