AU Small Finance BankBank transfer service

AU Small Finance Bank Transfers — NEFT, RTGS & IMPS

AU's transfer profile provides unusually explicit shared AU 0101 App/NetBanking limits: ₹10 lakh daily for NEFT, RTGS and IMPS, a ₹50,000 first-three-hours new-payee cap and a separate ₹50,000 one-time-transfer path.

First-party evidencePublished researchReviewed September 10, 2026Active

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Eligible account / channelRequires an eligible AU account with AU 0101 transaction access and sufficient available balance. Customer-managed/default digital limits and the underlying account's own restrictions remain applicable.

Rail / channel limitsRetail AU 0101 App/NetBanking: IMPS ₹1–₹10 lakh, NEFT ₹1–₹10 lakh and RTGS ₹2–₹10 lakh per the current online-transfer table; newly added payee and one-time transfer each have a ₹50,000 security limit in their stated scope.

Transfer / channel chargesAU 0101 NetBanking states no service charges for IMPS, NEFT and RTGS. AU 0101 App explicitly lists no service charge for NEFT/RTGS; branch and particular account schedules can still have separate pricing and free-transaction allowances.

Rail / beneficiary relationshipAU's ₹10 lakh figures are retail digital-channel limits, not RBI/NPCI system ceilings. Corporate after-hours limits are separately published and are not used as retail limits.

Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

8 first-party sources

Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 24, 2026.

How to verifyMethodology · Editorial policy

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Critical decision facts

Channel scope and security state determine what the published limit really means.

Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.

01 · Eligible account / channelRequires an eligible AU account with AU 0101 transaction access and sufficient available balance. Customer-managed/default digital limits and the underlying account's own restrictions remain applicable.

02 · Rail / channel limitsRetail AU 0101 App/NetBanking: IMPS ₹1–₹10 lakh, NEFT ₹1–₹10 lakh and RTGS ₹2–₹10 lakh per the current online-transfer table; newly added payee and one-time transfer each have a ₹50,000 security limit in their stated scope.

03 · Transfer / channel chargesAU 0101 NetBanking states no service charges for IMPS, NEFT and RTGS. AU 0101 App explicitly lists no service charge for NEFT/RTGS; branch and particular account schedules can still have separate pricing and free-transaction allowances.

04 · Rail / beneficiary relationshipAU's ₹10 lakh figures are retail digital-channel limits, not RBI/NPCI system ceilings. Corporate after-hours limits are separately published and are not used as retail limits.

Exact product-type evidence

Bank transfer service evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Bank-transfer rail map

NEFT, RTGS and IMPS share a beneficiary journey, not one universal limit.

System mechanics are kept separate from bank, channel, account, beneficiary and temporary security limits. Reviewed September 10, 2026.

Channels / scopeAU 0101 App and NetBanking for IMPS/NEFT/RTGS; branch for NEFT/RTGS; AU states IMPS is not available at branches. Corporate limits are modeled separately from this retail profile.

AuthenticationAuthenticated AU 0101 transaction flow plus payee management/security controls. The new-payee restriction applies after successful payee addition.

NEFTRetail AU 0101 minimum ₹1, maximum ₹10 lakh. Online transfer generally 24x7, with AU's published 11:45 PM–12:30 AM daily NEFT/RTGS unavailability window.

RTGSRetail AU 0101 minimum ₹2 lakh, maximum ₹10 lakh. Online generally 24x7 except the 11:45 PM–12:30 AM window; branch availability follows branch service hours.

IMPSRetail AU 0101 minimum ₹1, maximum ₹10 lakh in AU's current digital limit table. IMPS remains available during the bank's nightly NEFT/RTGS gap and is not offered at branch.

Beneficiary controlsNew payee: transfers restricted to ₹50,000 for the first 3 hours post-addition, then default limits apply. One-time transfer without a saved payee has a separate ₹50,000 limit.

Cooling / first-use stateThe three-hour new-payee state is a reduced-limit period rather than a complete transfer blackout. Corporate and retail payee controls should not be mixed.

Charges / waiver scopeAU 0101 NetBanking: no service charges for IMPS/NEFT/RTGS. AU 0101 App FAQ explicitly says no service charges for NEFT/RTGS. Branch/account fee schedules can differ and remain separately scoped.

Availability / settlementOnline IMPS/NEFT/RTGS are presented as 24x7 including holidays, but AU explicitly blocks NEFT/RTGS from 11:45 PM to 12:30 AM daily. IMPS remains the real-time alternative in that window.

Failure / return / reversalAU says if a beneficiary bank cannot credit NEFT/RTGS, it returns the money to AU within two hours; AU credits the account when the returned amount is received. Use transaction status/support for IMPS exceptions.

Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

NEFT / RTGS / IMPS coverageAU 0101 App and NetBanking support IMPS, NEFT and RTGS, one-time transfers, saved payees and scheduled/recurring payments; NEFT/RTGS are also available at branch while IMPS is not offered at branch.

Transfer access / eligibilityExisting eligible AU Small Finance Bank customers with AU 0101 App/NetBanking access; branch rules apply separately where the rail is offered.

Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

AU customers who want app and NetBanking limits, a short new-payee restriction and AU's nightly NEFT/RTGS maintenance window documented in one rail-specific profile.

Verify before relying

Transfers to a newly added payee are restricted to ₹50,000 for the first three hours after addition, after which the applicable default limit resumes.
AU says NEFT/RTGS/IMPS are generally available 24x7 online, but NEFT and RTGS have a recurring 11:45 PM–12:30 AM unavailable window; IMPS/UPI remain alternatives during that interval.
AU service-fee pages can show branch or account-specific transfer charges/free allowances; the AU 0101 digital fee statement should not be generalized to every branch/account context.

Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

Kotak Mahindra BankKotak Mahindra Bank Transfers — NEFT, RTGS & IMPSAU Small Finance BankAU Small Finance Bank Transfers — NEFT, RTGS & IMPSOpen comparison

Latest recorded review September 10, 2026Maintained pair Source-backed

Decision checks