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Bank transfer service comparison

ICICI Bank Transfers — NEFT, RTGS & IMPS vs Bank of Baroda Transfers — NEFT, RTGS & IMPS

Compare ICICI Bank Transfers — NEFT, RTGS & IMPS and Bank of Baroda Transfers — NEFT, RTGS & IMPS using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Bank transfer service comparison

ICICI Bank Transfers — NEFT, RTGS & IMPS vs Bank of Baroda Transfers — NEFT, RTGS & IMPS

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
ICICI BankICICI Bank Transfers — NEFT, RTGS & IMPS

ICICI customers who need high-value digital transfers and want the segment/time-window rules kept separate from iMobile's ₹20 lakh daily transfer ceiling and Net Banking's default ₹10 lakh limit.

Cost / pricing
NEFT and RTGS initiated through ICICI digital channels are nil-charge. Reviewed branch NEFT is ₹2.25/₹4.75/₹14.75/₹24.75 + GST by slab; branch RTGS ₹20/₹45 + GST. Savings-account IMPS effective 1 July 2025 is ₹2.50 up to ₹1,000, ₹5 above ₹1,000 to ₹1 lakh, and ₹15 above ₹1 lakh to ₹5 lakh, plus GST.
Reviewed
September 10, 2026
Evidence
6 bank sources
Open product research
Bank of BarodaBank of Baroda Transfers — NEFT, RTGS & IMPS

Bank of Baroda customers who need a precise mobile-versus-web view because the same NEFT/RTGS/IMPS rail has materially different transfer ceilings depending on channel.

Cost / pricing
Bank of Baroda's current service-charge page lists savings-bank NEFT as nil, RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh, and retail IMPS from 1 October 2025 at ₹2.50 up to ₹1,000, ₹5 for ₹1,001–₹25,000 and ₹15 for ₹25,001–₹5 lakh, excluding GST. Account variants can provide waivers.
Reviewed
September 10, 2026
Evidence
6 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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littleden.blog · Comparison research sheet

ICICI Bank Transfers — NEFT, RTGS & IMPS vs Bank of Baroda Transfers — NEFT, RTGS & IMPS

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/icici-neft-rtgs-imps-transfers-vs-bob-neft-rtgs-imps-transfers/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Which transfer rail fits your payment?Read NEFT, RTGS and IMPS separately, with their bank and channel qualifications intact.

ICICI Bank Transfers — NEFT, RTGS & IMPS

NEFT
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.
RTGS
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.
IMPS
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.

Bank of Baroda Transfers — NEFT, RTGS & IMPS

NEFT
bob World mobile default: minimum ₹5, maximum ₹2 lakh/transaction, ₹5 lakh/day. Current retail Internet Banking table: ₹10 lakh/transaction and ₹25 lakh/day. RBI NEFT itself has no system floor/ceiling.
RTGS
bob World mobile: minimum ₹2 lakh, maximum ₹2 lakh/transaction, ₹5 lakh/day. Current retail Internet Banking: ₹10 lakh/transaction, ₹25 lakh/day. RBI minimum remains ₹2 lakh and the RBI system has no maximum.
IMPS
bob World mobile beneficiary transfer: ₹2 lakh/transaction/day; instant IMPS without beneficiary ₹25,000/transaction and ₹50,000/day. Current retail Internet Banking: ₹5 lakh/transaction/day. NPCI system ceiling is ₹5 lakh/transaction.
02Is the beneficiary ready for the required amount?Check beneficiary activation and temporary cooling conditions before relying on a transfer ceiling.

ICICI Bank Transfers — NEFT, RTGS & IMPS

Beneficiary controls
New-payee first-24-hour amounts are category-specific: Global Private/NRI ₹10L, Wealth/Wealth Select ₹5L, Privilege ₹2L, General ₹1L.
Security cooling
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.

Bank of Baroda Transfers — NEFT, RTGS & IMPS

Beneficiary controls
New beneficiary registration uses OTP + transaction PIN; current bob World FAQ states 4-hour cooling for IMPS/NEFT and 24-hour cooling for RTGS.
Security cooling
The rail-specific waiting period blocks immediate use of a newly added beneficiary; after cooling, the applicable mobile or Internet Banking limit table controls.
03What charges and failure handling apply?Keep channel charges and the recorded reversal or recovery route attached to the transfer.

ICICI Bank Transfers — NEFT, RTGS & IMPS

Charges
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.
Failure / reversal
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.

Bank of Baroda Transfers — NEFT, RTGS & IMPS

Charges
Current generic service-charge page: savings-bank NEFT nil; RTGS outward ₹24.50 (₹2–5L) / ₹49.50 (>₹5L) excluding GST; retail IMPS from 1 Oct 2025 ₹2.50/₹5/₹15 by slab up to ₹5L. Product-specific waivers remain possible.
Failure / reversal
bob World states timed-out fund transfers are refunded within the defined TAT. The specific rail status and bank complaint route should be used before repeating a pending transfer.
Other maintained comparisons for ICICI Bank Transfers — NEFT, RTGS & IMPSOther maintained comparisons for Bank of Baroda Transfers — NEFT, RTGS & IMPS
Exact terms

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Banking product terms side by side for ICICI Bank Transfers — NEFT, RTGS & IMPS and Bank of Baroda Transfers — NEFT, RTGS & IMPS
Decision factorICICI Bank Transfers — NEFT, RTGS & IMPSBank of Baroda Transfers — NEFT, RTGS & IMPS
Transfer / channel chargesNEFT and RTGS initiated through ICICI digital channels are nil-charge. Reviewed branch NEFT is ₹2.25/₹4.75/₹14.75/₹24.75 + GST by slab; branch RTGS ₹20/₹45 + GST. Savings-account IMPS effective 1 July 2025 is ₹2.50 up to ₹1,000, ₹5 above ₹1,000 to ₹1 lakh, and ₹15 above ₹1 lakh to ₹5 lakh, plus GST.Bank of Baroda's current service-charge page lists savings-bank NEFT as nil, RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh, and retail IMPS from 1 October 2025 at ₹2.50 up to ₹1,000, ₹5 for ₹1,001–₹25,000 and ₹15 for ₹25,001–₹5 lakh, excluding GST. Account variants can provide waivers.
Eligible account / channelRequires an eligible ICICI Bank account and available transfer limit; account/segment status can materially change NEFT/RTGS ceilings and first-day payee limits.Requires an eligible Bank of Baroda account and channel registration. Underlying account scheme and mode of operation can alter eligibility and charges.
NEFT / RTGS / IMPS coverageiMobile and Retail Net Banking support IMPS, NEFT and RTGS, with the bank exposing transfer-limit management and customer-segment-based high-value limits.bob World and bob World Internet Banking both support IMPS, NEFT and RTGS, but Bank of Baroda publishes separate default limit tables rather than one bankwide number.
Rail / channel limitsiMobile's general daily fund-transfer limit is ₹20 lakh; Retail Net Banking default is ₹10 lakh and can be viewed/modified. IMPS Account+IFSC supports up to ₹5 lakh per transaction and ₹20 lakh/day. NEFT/RTGS maxima vary by customer segment and time window, reaching ₹1 crore for some segments during the reviewed daytime window.bob World mobile: IMPS beneficiary ₹2 lakh/transaction/day; NEFT ₹2 lakh/transaction and ₹5 lakh/day; RTGS ₹2 lakh/transaction and ₹5 lakh/day. Current retail Internet Banking: SHIPT/NEFT/RTGS/BULK ₹10 lakh/transaction and ₹25 lakh/day; IMPS ₹5 lakh/transaction/day.
Transfer access / eligibilityEligible ICICI Bank account holders using iMobile/Net Banking, subject to segment, account and transaction-right rules.Eligible Bank of Baroda savings/current/overdraft and other supported accounts subject to mode of operation, transaction rights and bank channel requirements.
Rail / beneficiary relationshipICICI's high NEFT/RTGS limits are segment- and time-sensitive and should not be reused as IMPS limits. New-payee caps are also category-specific rather than one universal cooling figure.Mobile and Internet Banking limits are independent channel controls. Current dedicated Internet Banking material is used for web limits, while bob World FAQ controls mobile defaults; older Baroda Connect/mobile pages are not allowed to overwrite them.
Transfer-rail detail

Compare NEFT, RTGS, IMPS and beneficiary controls.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Type-specific banking comparison terms for ICICI Bank Transfers — NEFT, RTGS & IMPS and Bank of Baroda Transfers — NEFT, RTGS & IMPS
Decision factorICICI Bank Transfers — NEFT, RTGS & IMPSBank of Baroda Transfers — NEFT, RTGS & IMPS
ChannelsICICI 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.bob World mobile banking and bob World Internet Banking; branch and business-channel rules are separate.
AuthenticationNew 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.Beneficiary addition in bob World is authenticated with OTP and transaction PIN. Internet Banking uses its own transaction security controls.
NEFTMinimum ₹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.bob World mobile default: minimum ₹5, maximum ₹2 lakh/transaction, ₹5 lakh/day. Current retail Internet Banking table: ₹10 lakh/transaction and ₹25 lakh/day. RBI NEFT itself has no system floor/ceiling.
RTGSMinimum ₹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.bob World mobile: minimum ₹2 lakh, maximum ₹2 lakh/transaction, ₹5 lakh/day. Current retail Internet Banking: ₹10 lakh/transaction, ₹25 lakh/day. RBI minimum remains ₹2 lakh and the RBI system has no maximum.
IMPSAccount+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.bob World mobile beneficiary transfer: ₹2 lakh/transaction/day; instant IMPS without beneficiary ₹25,000/transaction and ₹50,000/day. Current retail Internet Banking: ₹5 lakh/transaction/day. NPCI system ceiling is ₹5 lakh/transaction.
Beneficiary controlsNew-payee first-24-hour amounts are category-specific: Global Private/NRI ₹10L, Wealth/Wealth Select ₹5L, Privilege ₹2L, General ₹1L.New beneficiary registration uses OTP + transaction PIN; current bob World FAQ states 4-hour cooling for IMPS/NEFT and 24-hour cooling for RTGS.
Security coolingICICI 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.The rail-specific waiting period blocks immediate use of a newly added beneficiary; after cooling, the applicable mobile or Internet Banking limit table controls.
ChargesDigital 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.Current generic service-charge page: savings-bank NEFT nil; RTGS outward ₹24.50 (₹2–5L) / ₹49.50 (>₹5L) excluding GST; retail IMPS from 1 Oct 2025 ₹2.50/₹5/₹15 by slab up to ₹5L. Product-specific waivers remain possible.
Failure / reversalThe 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.bob World states timed-out fund transfers are refunded within the defined TAT. The specific rail status and bank complaint route should be used before repeating a pending transfer.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

ICICI Bank

ICICI Bank Transfers — NEFT, RTGS & IMPS

  • During the first 24 hours after adding a payee, ICICI currently publishes limits of ₹10 lakh for Global Private/NRI, ₹5 lakh for Wealth/Wealth Select, ₹2 lakh for Privilege and ₹1 lakh for General Banking customers.
  • After iMobile activation, the first-day transfer limit is ₹10,000, a separate temporary app-security state from the new-payee category limits.
  • ICICI's standalone RTGS page can present a simpler ₹10 lakh/day headline while the combined limits table publishes higher segment-based maxima; v1.38 preserves the scope instead of selecting the largest number as universal.
Bank of Baroda

Bank of Baroda Transfers — NEFT, RTGS & IMPS

  • New IMPS/NEFT beneficiaries have a four-hour cooling period, while RTGS beneficiaries have a 24-hour cooling period in the current bob World FAQ.
  • Bank of Baroda's mobile and web limits differ materially: a ₹2 lakh mobile RTGS transaction maximum is not the same as the current ₹10 lakh Internet Banking transaction maximum.
  • Service charges can be waived by specific account propositions; the generic service-charge schedule is not used to remove a documented account-specific waiver.
Research tools

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Independent source state

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One side's source depth or freshness never fills a gap in the other record.

Bank of Baroda

Bank of Baroda Transfers — NEFT, RTGS & IMPS

Reviewed
September 10, 2026
Attached first-party sources
6
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

ICICI Bank Transfers — NEFT, RTGS & IMPS

Reviewed September 10, 2026 · 6 attached first-party sources

  1. Fee / charge schedulehttps://www.icici.bank.in/personal-banking/payments/money-transfer/charges-limits-timings
  2. Issuer product pagehttps://www.icici.bank.in/personal-banking/payments/money-transfer
  3. Issuer product pagehttps://www.icici.bank.in/Personal-Banking/online-services/funds-transfer/rtgs
  4. Issuer product pagehttps://www.rbi.org.in/scripts/faqview.aspx/upload/FAQView.aspx?Id=144
  5. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=65
  6. Issuer product pagehttps://www.npci.org.in/product/IMPS

Bank of Baroda Transfers — NEFT, RTGS & IMPS

Reviewed September 10, 2026 · 6 attached first-party sources

  1. Issuer product pagehttps://bobworld.bankofbaroda.bank.in/faqs
  2. Issuer product pagehttps://bankofbaroda.bank.in/digital-products/instant-banking/bob-world-internet-banking
  3. Fee / charge schedulehttps://bankofbaroda.bank.in/interest-rate-and-service-charges/service-charges
  4. Issuer product pagehttps://www.rbi.org.in/scripts/faqview.aspx/upload/FAQView.aspx?Id=144
  5. Issuer product pagehttps://www.rbi.org.in/scripts/FS_FAQs.aspx?Id=65
  6. Issuer product pagehttps://www.npci.org.in/product/IMPS