| Channels | IDFC FIRST Internet Banking is the controlling source for this profile's exact limits. Mobile Banking can provide transfer capability, but v1.39 does not silently copy the web limits into the app where the reviewed limit sheet is web-specific. | 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 | Transaction-enabled Internet Banking, beneficiary setup and the bank's authenticated Limit Management/transaction controls apply. The source separates beneficiary and customer-set limits rather than providing one universal amount. | 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 | Internet Banking minimum Re.1, maximum ₹20 lakh under the current limit sheet, further constrained by individual-beneficiary and overall customer-set limits. | 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 | Internet Banking minimum ₹2 lakh, maximum ₹20 lakh, further constrained by applicable beneficiary/overall limits. | 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 | Internet Banking minimum Re.1 and maximum ₹2 lakh per transaction; the overall transfer ceiling is ₹20 lakh or a lower customer-set overall limit. | 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 | Maximum 5 beneficiary additions in a 24-hour calendar day. New beneficiary: no transfer for 30 minutes; up to ₹2 lakh during the first 24 hours; after 24 hours the individual-beneficiary/₹20 lakh/overall-customer limit applies. | 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 | The new-beneficiary state is two-stage: 30-minute hard cooling followed by a first-24-hour ₹2 lakh cap. One-time transfer without beneficiary is a separate ₹25,000 path. | 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 | The Internet Banking limit sheet says Transfers & Payments carry no customer charge; mainstream IDFC FIRST savings pages also advertise zero charges on IMPS/NEFT/RTGS. Product-specific schedules should still be checked for non-mainstream account variants. | 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 | Use Internet Banking transaction status and IDFC FIRST support for pending/failed transfers. A 24x7 rail does not guarantee immediate beneficiary credit in every exception state. | 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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