{"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":[],"_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}]}}