| Channels | OnlineSBI (RINB), YONO and YONO Lite for eligible retail customers; branch routes remain separate and can carry different charges/limits. | HDFC Bank NetBanking, MobileBanking and branch. Digital Third Party Transfer rights and the customer's TPT limit govern many outward transfers. |
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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. | Adding an other-bank beneficiary uses HDFC's secure-access authentication; RTGS guidance also requires OTP to the registered mobile for Internet Banking transactions. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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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. | Other-bank beneficiary activation takes about 30 minutes. Maximum four payment modes/payees can be added in 24 hours under the reviewed transfer guidance. |
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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. | 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. |
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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. | 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. |
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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. | 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. |
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