| Channels | OnlineSBI (RINB), YONO and YONO Lite for eligible retail customers; branch routes remain separate and can carry different charges/limits. | Axis branch and supported Internet/mobile banking channels. The current remittance form is rail-specific; digital channel ceilings remain account/scheme dependent. |
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| Authentication | Transaction rights are required. SBI documents OTP approval for beneficiary addition and OTP authorization in online IMPS journeys; the customer-set third-party limit is also approved with OTP. | Digital journeys use Axis channel security; the current branch form requires signed authorization. The engine does not infer one OTP/beneficiary sequence for every Axis channel from migration-only documentation. |
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| NEFT | RBI NEFT has no system-level floor or ceiling and settles in 48 half-hourly batches 24x7x365. SBI applies the customer's digital third-party limit, currently configurable from ₹1 lakh to ₹25 lakh per day across NEFT/RTGS/IMPS/general-category merchants. | RBI NEFT has no system floor/ceiling and operates 24x7 in half-hourly batches. Axis's current form permits cash NEFT up to ₹49,999 and requires photo ID for non-customer cash remittance; account/channel limits still apply for digital use. |
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| RTGS | RBI RTGS is real-time 24x7x365 with a ₹2 lakh minimum and no RBI maximum. SBI's retail digital third-party ceiling remains customer-set up to ₹25 lakh/day, so the bank/channel limit can be lower than the RBI system capacity. | RBI minimum ₹2 lakh, 24x7 real-time settlement and no RBI maximum. Axis's current bank form does not publish one universal retail digital maximum, so product/account scheme limits remain controlling. |
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| IMPS | SBI's current FAQ states ₹5 lakh per transaction, available 24x7, with cumulative online outward transfers up to ₹25 lakh/day or the customer-set third-party limit, whichever is lower. Quick Transfer without adding a beneficiary is separately capped at ₹50,000/day across RINB/YONO/YONO Lite. | Axis's May 2025-version remittance form states up to ₹5 lakh per IMPS transaction, subject to the per-day transfer limit for the account holder's Axis scheme code. Pending IMPS can transfer or revert within T+2 days. |
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| Beneficiary controls | Up to eight beneficiaries can be approved per calendar day in the cited IMPS FAQ (four interbank + four intrabank). Beneficiaries approved 6 AM–8 PM activate within one hour; later approvals activate after 6 AM next day. | Generic bankwide current beneficiary waiting/first-day figures were not established by the reviewed primary remittance form. Migration-specific Citi-to-Axis material is retained as scoped evidence, not generalized. |
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| Security cooling | For the first four days after activation of a new beneficiary, SBI caps total transfers to that beneficiary at ₹5 lakh; after cooling, the normal per-transaction and daily controls apply. | No universal bankwide cooling amount is asserted from the current generic form. Where a customer's specific Axis app/account migration journey displays a temporary limit, that live scoped control overrides the generic profile. |
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| Charges | Current IMPS FAQ says ₹1–₹5 lakh online IMPS is nil; the September 2026 SBI service-charge page also links a revised IMPS charge notice effective 15 February 2026, so the engine flags a live charge-source conflict. Online NEFT/RTGS are treated from SBI's service-charge material as nil; branch tariffs remain separate. | Charges/taxes are 'as applicable' on the current remittance form and can vary by account programme. The engine avoids taking a fee waiver from one premium/current-account tariff and presenting it as an Axis-wide retail price. |
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| Failure / reversal | SBI says incomplete IMPS transactions reverse immediately where possible; reconciliation cases reverse in T+1 days. Beneficiary/account details remain customer-responsibility controls. | Current Axis form states a pending IMPS may be transferred or reverted within T+2 days. Returned NEFT and error/delay responsibility follows the bank/RBI transaction conditions. |
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