{"id":7542,"date":"2025-07-08T12:10:07","date_gmt":"2025-07-08T12:10:07","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=7542"},"modified":"2025-07-08T12:10:07","modified_gmt":"2025-07-08T12:10:07","slug":"pnb-neft-charges-limits-timings-transfer-process-2025-guide","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/pnb-neft-charges-limits-timings-transfer-process-2025-guide\/","title":{"rendered":"PNB NEFT Charges \u2013 Limits, Timings & Transfer Process (2025 Guide)"},"content":{"rendered":"\n

Need to transfer money from your Punjab National Bank (PNB) account? NEFT<\/strong> (National Electronic Funds Transfer) is one of the safest and most commonly used ways to do it.<\/p>\n\n\n\n

In this guide, you’ll learn about PNB NEFT charges<\/strong>, limits, timings, and how to use it \u2014 whether online or at the branch.<\/p>\n\n\n\n

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

NEFT is an RBI-regulated fund transfer system<\/strong> that lets you send money to any bank account in India. It\u2019s widely used for payments that aren\u2019t time-sensitive and works even on weekends and holidays (online).<\/p>\n\n\n\n

\u2705 NEFT is:<\/p>\n\n\n\n

    \n
  • Safe and secure<\/li>\n\n\n\n
  • Available 24\u00d77 (for online users)<\/li>\n\n\n\n
  • Ideal for personal and business payments<\/li>\n<\/ul>\n\n\n\n

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

    PNB charges NEFT fees only at branches<\/strong>. Online NEFT (via mobile app or net banking) is 100% free<\/strong>.<\/p>\n\n\n\n

    Charges for NEFT at PNB Branches<\/h3>\n\n\n\n
    Amount (\u20b9)<\/th>NEFT Charges* (Excl. GST)<\/th><\/tr><\/thead>
    Up to \u20b910,000<\/td>\u20b92.25<\/td><\/tr>
    \u20b910,001 \u2013 \u20b91,00,000<\/td>\u20b94.75<\/td><\/tr>
    \u20b91,00,001 \u2013 \u20b92,00,000<\/td>\u20b914.75<\/td><\/tr>
    Above \u20b92,00,000<\/td>\u20b924.75<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    \u2705 No charges<\/strong> for NEFT via PNB Internet Banking<\/strong> or PNB One app<\/strong><\/p>\n\n\n\n

    *GST (currently 18%) applies on the above charges.<\/p>\n\n\n\n

    PNB NEFT Timings<\/h2>\n\n\n\n
    Mode<\/th>Timings<\/th><\/tr><\/thead>
    Online<\/strong><\/td>24\u00d77\u00d7365<\/strong> (including Sundays & holidays)<\/td><\/tr>
    Branch<\/strong><\/td>As per branch working hours (usually 10 AM \u2013 4 PM on weekdays, 10 AM \u2013 1 PM on Saturdays)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    \ud83d\udca1 NEFT is processed in half-hourly batches<\/strong>, so most transfers are completed within 1\u20132 hours<\/strong>.<\/p>\n\n\n\n

    PNB NEFT Transfer Limits<\/h2>\n\n\n\n
    Mode<\/th>Minimum Amount<\/th>Maximum Daily Limit<\/th><\/tr><\/thead>
    Online<\/td>\u20b91<\/td>\u20b910 lakhs*<\/td><\/tr>
    Branch<\/td>\u20b91<\/td>Based on customer profile<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    * Limit can be increased upon request and profile update.<\/p>\n\n\n\n

    How to Use NEFT in PNB<\/h2>\n\n\n\n

    1. Via Internet Banking<\/strong><\/h3>\n\n\n\n
      \n
    1. Log in to https:\/\/www.pnbnet.net.in<\/li>\n\n\n\n
    2. Go to \u201cTransactions\u201d \u2192 \u201cNEFT\u201d<\/strong><\/li>\n\n\n\n
    3. Add beneficiary (if not already added)<\/li>\n\n\n\n
    4. Enter amount, purpose, and confirm with OTP<\/li>\n<\/ol>\n\n\n\n

      2. Via PNB One App<\/strong><\/h3>\n\n\n\n
        \n
      1. Open the app and log in<\/li>\n\n\n\n
      2. Tap Fund Transfer \u2192 NEFT<\/strong><\/li>\n\n\n\n
      3. Select your beneficiary<\/li>\n\n\n\n
      4. Enter amount \u2192 Confirm with MPIN\/OTP<\/li>\n<\/ol>\n\n\n\n

        3. At a Branch<\/strong><\/h3>\n\n\n\n
          \n
        1. Fill out the NEFT form<\/strong><\/li>\n\n\n\n
        2. Provide receiver’s name, bank name, IFSC, and amount<\/li>\n\n\n\n
        3. Submit the form with your ID and cheque\/cash (if applicable)<\/li>\n<\/ol>\n\n\n\n

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

          Q1: Is NEFT free for PNB customers?<\/h3>\n
          \n\n

          A. \u2705 Yes, if done via internet banking or PNB One app<\/strong>. Charges apply only for in-branch NEFT<\/strong>.<\/p>\n\n<\/div>\n<\/div>\n

          \n

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

          A. Yes, if you’re using PNB’s online platforms<\/strong>. Branches are closed, but NEFT runs 24\u00d77 digitally.<\/p>\n\n<\/div>\n<\/div>\n

          \n

          Q3: How long does NEFT take?<\/h3>\n
          \n\n

          A. Usually within 30 minutes to 2 hours<\/strong>. Sometimes instantly, depending on the receiving bank.<\/p>\n\n<\/div>\n<\/div>\n

          \n

          Q4: What do I need for NEFT?<\/h3>\n
          \n\n

          A. You need:
          Receiver’s account number<\/strong>
          Bank name<\/strong>
          IFSC code<\/strong><\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

          Key Takeaways<\/h2>\n\n\n\n
            \n
          • PNB NEFT is free online<\/strong>, charged only at branches<\/li>\n\n\n\n
          • Transfer limit for NEFT is \u20b910 lakhs\/day (online)<\/li>\n\n\n\n
          • Works 24\u00d77 via internet banking and mobile app<\/li>\n\n\n\n
          • Ideal for all types of bank-to-bank money transfers in India<\/li>\n<\/ul>\n\n\n\n

            <\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-7542","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":"Need to transfer money from your Punjab National Bank (PNB) account? NEFT (National Electronic Funds Transfer) is one of the safest and most commonly used ways to do it. In this guide, you’ll learn about PNB NEFT charges, limits, timings, and how to use it \u2014 whether online or at the branch. What Is NEFT?…","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/7542","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=7542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}