| Channels | OnlineSBI (RINB), YONO and YONO Lite for eligible retail customers; branch routes remain separate and can carry different charges/limits. | bob World mobile banking and bob World Internet Banking; branch and business-channel rules are separate. |
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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. | Beneficiary addition in bob World is authenticated with OTP and transaction PIN. Internet Banking uses its own transaction security controls. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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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. | New beneficiary registration uses OTP + transaction PIN; current bob World FAQ states 4-hour cooling for IMPS/NEFT and 24-hour cooling for RTGS. |
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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. | The rail-specific waiting period blocks immediate use of a newly added beneficiary; after cooling, the applicable mobile or Internet Banking limit table controls. |
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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. | 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. |
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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. | 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. |
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