| Channels | HDFC Bank NetBanking, MobileBanking and branch. Digital Third Party Transfer rights and the customer's TPT limit govern many outward transfers. | ICICI iMobile app, Retail Internet Banking and branch. Pockets/InstaBIZ are also cited for digital NEFT/RTGS charging, but this profile focuses on mainstream retail iMobile/RIB. |
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| Authentication | Adding an other-bank beneficiary uses HDFC's secure-access authentication; RTGS guidance also requires OTP to the registered mobile for Internet Banking transactions. | New payee and transfers are confirmed with MPIN in iMobile or OTP in Net Banking; transfer-limit controls can be viewed/modified from the Net Banking profile. |
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| NEFT | Online 24x7 in RBI batches. 7 AM–7 PM on RBI working days: daily amount follows TPT, up to ₹50 lakh. Outside those hours and on holidays: ₹2 lakh per transaction, with multiple transfers allowed within the TPT ceiling. | Minimum ₹1. Maximum depends on segment/time: reviewed table shows ₹10 lakh or ₹1 crore from 1 AM–7 PM, and ₹10 lakh or ₹50 lakh during 7 PM–1 AM and holidays, based on customer segment. |
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| RTGS | Minimum ₹2 lakh. Branch has no HDFC upper ceiling stated on the reviewed page; NetBanking daily transfer follows TPT up to ₹50 lakh. HDFC advertises 24x7 RTGS except 11:30 PM–12:30 AM due to its cut-off. | Minimum ₹2 lakh. The combined current limits table uses the same segment/time bands as NEFT; ICICI's dedicated RTGS page also displays a simpler ₹10 lakh/day figure, so the engine retains source scope rather than flattening them. |
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| IMPS | Account+IFSC: up to ₹5 lakh per transaction after the first-day beneficiary restriction, with daily amount governed by TPT. MMID-based transfers use a much lower ₹5,000-per-day Customer ID limit in reviewed HDFC material. | Account+IFSC supports up to ₹5 lakh per transaction and ₹20 lakh/day in the reviewed table. Net Banking MMID transfers are separately capped at ₹10,000. |
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| Beneficiary controls | Other-bank beneficiary activation takes about 30 minutes. Maximum four payment modes/payees can be added in 24 hours under the reviewed transfer guidance. | New-payee first-24-hour amounts are category-specific: Global Private/NRI ₹10L, Wealth/Wealth Select ₹5L, Privilege ₹2L, General ₹1L. |
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| Security cooling | New beneficiary: ₹50,000 total during first 24 hours for applicable transfers. RTGS is separately blocked until 24 hours have passed after beneficiary addition. Mobile-device registration can create additional app-specific restrictions that remain in the digital-banking profile. | ICICI publishes monetary restrictions for the first 24 hours after payee addition rather than one universal wait time. iMobile activation separately carries a ₹10,000 first-day transfer limit. |
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| Charges | Online NEFT and RTGS are nil for the reviewed retail categories. From 1 August 2025 branch NEFT is ₹2/₹4/₹14/₹24 + GST by slab; branch RTGS ₹20 (₹2–5L) or ₹45 (>₹5L) + GST. IMPS follows the current bank tariff. | Digital NEFT/RTGS are nil. Branch NEFT: ₹2.25/₹4.75/₹14.75/₹24.75 + GST by slab; branch RTGS: ₹20/₹45 + GST. Savings-account IMPS from 1 July 2025: ₹2.50 up to ₹1k, ₹5 above ₹1k–₹1L, ₹15 above ₹1L–₹5L + GST. |
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| Failure / reversal | For pending IMPS, HDFC asks customers to allow up to two days for beneficiary credit or reversal under the cited guidance before escalation with the RRN and transaction details. | The transfer workflow distinguishes transaction status and bank support/escalation; exact reversal TAT depends on rail/failure state, so one generic reversal deadline is not invented from unrelated UPI rules. |
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