{"id":7560,"date":"2025-07-09T10:54:26","date_gmt":"2025-07-09T10:54:26","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=7560"},"modified":"2025-07-09T10:54:27","modified_gmt":"2025-07-09T10:54:27","slug":"indian-bank-neft-charges-transfer-limits-timings-how-to-use-2025","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/indian-bank-neft-charges-transfer-limits-timings-how-to-use-2025\/","title":{"rendered":"Indian Bank NEFT Charges \u2013 Transfer Limits, Timings & How to Use (2025)"},"content":{"rendered":"\n

Need to transfer money safely from your Indian Bank account to another bank? NEFT (National Electronic Funds Transfer)<\/strong> is a secure, RBI-approved system that allows you to do just that \u2014 either online or at a branch.<\/p>\n\n\n\n

This guide explains Indian Bank NEFT charges<\/strong>, limits, timings, and step-by-step usage.<\/p>\n\n\n\n

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

NEFT<\/strong> is a digital payment system regulated by the Reserve Bank of India (RBI)<\/strong> that allows bank-to-bank fund transfers across India.<\/p>\n\n\n\n

\u2705 Safe, secure, and RBI-backed
\u2705 Works 24\u00d77 (for online banking)
\u2705 Best for non-urgent, domestic transactions<\/p>\n\n\n\n

Indian Bank NEFT Charges (2025)<\/h2>\n\n\n\n

Indian Bank follows RBI guidelines \u2014 NEFT is completely free when done online<\/strong>. Charges apply only for branch-based NEFT transfers<\/strong>.<\/p>\n\n\n\n

NEFT Charges at Branch (Offline Transactions):<\/h3>\n\n\n\n
Transfer Amount<\/th>Charges (Excl. GST)<\/th><\/tr><\/thead>
Up to \u20b910,000<\/td>\u20b92.25<\/td><\/tr>
\u20b910,001 to \u20b91 lakh<\/td>\u20b94.75<\/td><\/tr>
\u20b91 lakh to \u20b92 lakhs<\/td>\u20b914.75<\/td><\/tr>
Above \u20b92 lakhs<\/td>\u20b924.75<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

GST (18%) will be added to these amounts.<\/em><\/p>\n\n\n\n

NEFT Charges for Online Transfers:<\/h3>\n\n\n\n

Free of cost<\/strong> when using:<\/p>\n\n\n\n

    \n
  • Indian Bank Net Banking<\/strong><\/li>\n\n\n\n
  • IndOASIS Mobile App<\/strong><\/li>\n<\/ul>\n\n\n\n

    Indian Bank NEFT Timings<\/h2>\n\n\n\n
    Platform<\/th>NEFT Timing<\/th><\/tr><\/thead>
    Online<\/strong><\/td>24\u00d77 (including holidays)<\/td><\/tr>
    At Branch<\/strong><\/td>During banking hours (typically 10 AM to 4 PM on weekdays, till 1 PM on working Saturdays)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    NEFT works in half-hourly settlement batches<\/strong>, so funds typically reflect within 30\u2013120 minutes<\/strong>.<\/p>\n\n\n\n

    NEFT Transaction Limits at Indian Bank<\/h2>\n\n\n\n
    Mode<\/th>Minimum<\/th>Maximum per Day<\/th><\/tr><\/thead>
    Internet Banking<\/td>\u20b91<\/td>\u20b910 lakhs<\/td><\/tr>
    Mobile Banking<\/td>\u20b91<\/td>\u20b95 lakhs<\/td><\/tr>
    Branch<\/td>\u20b91<\/td>No fixed cap (based on account)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Limits can be raised by submitting a request at your branch or through net banking.<\/p>\n\n\n\n

    How to Use NEFT in Indian Bank<\/h2>\n\n\n\n

    Net Banking:<\/h3>\n\n\n\n
      \n
    1. Log in at https:\/\/www.indianbank.net.in<\/li>\n\n\n\n
    2. Go to Funds Transfer \u2192 NEFT<\/strong><\/li>\n\n\n\n
    3. Add or select a beneficiary<\/li>\n\n\n\n
    4. Enter the amount, purpose, and submit using OTP<\/li>\n<\/ol>\n\n\n\n

      Mobile App (IndOASIS):<\/h3>\n\n\n\n
        \n
      1. Open the IndOASIS<\/strong> app<\/li>\n\n\n\n
      2. Tap on \u201cFund Transfer \u2192 NEFT\u201d<\/strong><\/li>\n\n\n\n
      3. Choose the account and beneficiary<\/li>\n\n\n\n
      4. Enter the amount \u2192 Confirm using MPIN\/OTP<\/li>\n<\/ol>\n\n\n\n

        At the Branch:<\/h3>\n\n\n\n
          \n
        1. Fill out the NEFT form<\/strong> with receiver’s:\n
            \n
          • Name, Account Number, IFSC Code<\/li>\n<\/ul>\n<\/li>\n\n\n\n
          • Submit the form along with cash\/cheque (if applicable)<\/li>\n<\/ol>\n\n\n\n

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

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

            A. Yes, NEFT is free via online and mobile banking<\/strong>. Branch-based transfers attract small fees.<\/p>\n\n<\/div>\n<\/div>\n

            \n

            Q2: Can I use NEFT on Sunday or a public holiday?<\/h3>\n
            \n\n

            A. Yes, online NEFT<\/strong> works 24\u00d77<\/strong>, including weekends and holidays.<\/p>\n\n<\/div>\n<\/div>\n

            \n

            Q3: What happens if the transaction fails?<\/h3>\n
            \n\n

            A. The amount is typically refunded within 1\u20132 working days<\/strong>. Contact customer care if not.<\/p>\n\n<\/div>\n<\/div>\n

            \n

            Q4: Do I need IFSC code for NEFT?<\/h3>\n
            \n\n

            A. Yes, the IFSC code<\/strong> of the recipient\u2019s bank branch is required.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

            Key Takeaways<\/h2>\n\n\n\n
              \n
            • Online NEFT is free<\/strong> at Indian Bank (via net & mobile banking)<\/li>\n\n\n\n
            • Branch NEFT<\/strong> charges start from \u20b92.25 + GST<\/li>\n\n\n\n
            • NEFT works 24\u00d77<\/strong> online and during branch hours offline<\/li>\n\n\n\n
            • Ideal for safe, scheduled bank-to-bank money transfers<\/li>\n<\/ul>\n\n\n\n

              <\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-7560","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/7560","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=7560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}