HDFC NEFT, IMPS, and RTGS Charges

HDFC Bank offers multiple digital payment methods for seamless fund transfers, including NEFT, IMPS, and RTGS. Each service has its own charges based on transaction types, amounts, and beneficiary details. Understanding these charges is crucial for customers to make informed financial decisions while using these payment options. Do you also want to know the balance of your HDFC Bank account number?

HDFC NEFT Charges 2025

HDFC Bank does not charge any fees for NEFT transactions done online through mobile or internet banking – these are completely free. However, if you do NEFT transactions at an HDFC Bank branch, some charges will apply.

 

HDFC NEFT Timings and Limits

HDFC Bank’s NEFT services are now accessible 24/7, throughout the year, enabling seamless online fund transfers at any time. However, transaction limits vary depending on the timing of the transfer, as per HDFC Bank’s stipulated guidelines.

Please find below the NEFT transaction limits based on HDFC Bank’s operating hours:
 

How to Transfer Funds Using HDFC NEFT?

HDFC lets customers send money using NEFT online through internet banking. If you have an active online banking account, you can make an NEFT transfer with HDFC Bank by following these easy steps:

Are you interested in knowing how to generate HDFC debit card PIN?

Login to HDFC NetBanking:

• Visit the official HDFC Bank website.
• Enter your Customer ID and Password.
• Complete the required authentication (e.g., OTP).

Navigate to Funds Transfer:

• Go to the “Funds Transfer” section on the dashboard.
• Select “NEFT” as the transfer mode.

Add Beneficiary (if not added already):

• Choose “Add Beneficiary” option.
• Enter beneficiary details: Name, Account Number, IFSC code, and account type.
• Submit and verify the beneficiary addition via OTP or transaction password.
• Wait for beneficiary activation (usually takes 30 minutes to 4 hours).

Initiate NEFT Transfer:

• Select the activated beneficiary from the list.
• Enter the amount to transfer.
• Add a remark or purpose (optional).

Confirm and Authorize Transfer:

• Review transaction details carefully.
• Confirm the transaction.
• Authenticate via OTP or transaction password.

Transaction Completion:

• On successful transfer, you will receive a confirmation message or reference number.
• The funds will typically be credited to the beneficiary’s account within a few hours (NEFT timings apply).

Log Out:

• Logout securely from your NetBanking session.
   

Offline Process for HDFC NEFT Fund Transfer

You can do NEFT transactions offline at an HDFC Bank branch by following these steps:

• Fill out the HDFC Bank NEFT form with the beneficiary’s details.
• Submit the form at the bank counter.
• The bank staff will give you a receipt once the NEFT transfer is done.
• You will get a confirmation message on your phone number provided in the form. 

How to Pay Credit Card Bills Using HDFC NEFT Services?

HDFC customers holding active internet banking accounts can also pay their credit card bills through the NEFT services of HDFC Bank.

If you have an active HDFC internet banking account, you can pay your HDFC credit card bill using NEFT. Just follow these steps:

• Go to the HDFC internet banking website and log in with your username and password.
• Click on the 'Fund Transfer' tab and choose 'Transfer to Other Bank'.
• In the account number field, enter your credit card number. Fill in the rest of the details like the beneficiary name and bank info.
• Read and accept the terms and conditions.
• Click the 'Confirm' button to complete the payment.
   

HDFC IMPS Charges 2025

HDFC Bank's IMPS service lets you send money online from one bank account to another. It's available 24/7 and can be used through the internet or mobile banking.

The table below shows the fees HDFC Bank charges for IMPS transfers based on the amount you send.

 

HDFC IMPS Limit and Timings

HDFC Bank offers IMPS services 24/7 for its customers. However, there are limits on how much money you can send in a single transaction.
 

How to Transfer Funds through HDFC Bank IMPS Services?

HDFC Bank customers can transfer funds to other bank accounts via IMPS (Immediate Payment Service) using the following convenient channels:

• HDFC NetBanking (Internet Banking)
• HDFC Mobile Banking App
   

1) IMPS Fund Transfer through HDFC Net Banking

Log in to HDFC online banking with your username and password.

• Go to the Fund Transfer section for IMPS transfers.
• Enter the beneficiary’s details:  their MMID and mobile number, IFSC code, and account number.
• Click submit.
• Enter the amount you want to send and the required details to start the transaction.
• Enter the OTP (one-time password) you received to finish the transaction.
   

2) IMPS Fund Transfer through HDFC Mobile Banking Application

Below are the steps to make an HDFC IMPS transaction using mobile banking:

• Download the HDFC mobile app on your phone.
• Log in with your MPIN and password.
• On the home screen, tap the fund transfer option.
• Then, choose ‘Other Bank using IMPS’
• Tap to send money using the IFSC code.
• Pick the person you want to send money to.
• Enter the amount and confirm the payment.
• Type the OTP sent to your registered phone to finish the transaction.
• You will get a confirmation message and email from the bank once the money is sent. 

HDFC RTGS Services 

HDFC customers can use the bank's RTGS service to transfer money quickly between their HDFC account and accounts at other banks.

Here are the charges, limits, and timings for HDFC's RTGS service:

How to Transfer Funds Using HDFC RTGS?

HDFC Bank provides its customers with the ability to make RTGS fund transfers online via Internet Banking. To initiate an RTGS transfer, follow the steps outlined below:

• Visit the HDFC Bank Internet Banking portal and log in using your username and password.
• Navigate to the 'Fund Transfer' section and select the 'RTGS' option.
• Click on the 'Add Beneficiary' button and choose the type of beneficiary.
• Select the option 'Transfer’ to Another Bank.
• Enter the recipient's details, including their name, account number, IFSC code, bank name, and branch information.
• After completing the beneficiary details, click on the 'Confirm' button.
• A confirmation message will be sent once the transfer is successfully processed.

Steps to Transfer Funds Using HDFC RTGS Offline

To initiate an NEFT transaction offline at HDFC Bank through a branch, please follow these steps:

• Complete the HDFC Bank RTGS form, ensuring that all beneficiary details are accurately provided.
• Submit the completed form to the bank counter for processing.
• Upon successful processing of the RTGS transfer, the bank executive will issue a receipt confirming the transaction.

A confirmation notification or SMS will be sent to the mobile number provided on the RTGS form.