| AU Small Finance Bank Transfers — NEFT, RTGS & IMPS | Retail AU 0101 minimum ₹1, maximum ₹10 lakh. Online transfer generally 24x7, with AU's published 11:45 PM–12:30 AM daily NEFT/RTGS unavailability window. Retail AU 0101 minimum ₹2 lakh, maximum ₹10 lakh. Online generally 24x7 except the 11:45 PM–12:30 AM window; branch availability follows branch service hours. | Retail AU 0101 minimum ₹1, maximum ₹10 lakh in AU's current digital limit table. IMPS remains available during the bank's nightly NEFT/RTGS gap and is not offered at branch. New payee: transfers restricted to ₹50,000 for the first 3 hours post-addition, then default limits apply. One-time transfer without a saved payee has a separate ₹50,000 limit. The three-hour new-payee state is a reduced-limit period rather than a complete transfer blackout. Corporate and retail payee controls should not be mixed. |
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| Axis Bank Transfers — NEFT, RTGS & IMPS | 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. 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. | 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. 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. 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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| Bank of Baroda Transfers — NEFT, RTGS & IMPS | 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. 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. | 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. New beneficiary registration uses OTP + transaction PIN; current bob World FAQ states 4-hour cooling for IMPS/NEFT and 24-hour cooling for RTGS. 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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| Canara Bank Transfers — NEFT, RTGS & IMPS | RBI NEFT has no system floor/ceiling and settles 24x7 in 48 half-hourly batches. Canara ai1 applies the mobile interbank daily ceiling up to ₹7.5 lakh; savings-bank online NEFT is nil-charge under the current service schedule. RBI minimum ₹2 lakh, 24x7 real-time and no RBI upper ceiling. Canara ai1's mobile interbank daily cap can still constrain the transfer; the current Canara schedule lists outward RTGS ₹24.50/₹49.50 + GST by slab. | Instant 24x7 with NPCI ₹5 lakh per-transaction ceiling. Canara ai1 remains subject to the ₹7.5 lakh/day mobile interbank aggregate; Direct Pay without beneficiary is separately ₹25,000/day. New Canara ai1 beneficiary: no transfer for first 1 hour; after 1 hour and up to 12 hours, up to ₹50,000; after 12 hours, full permitted daily limit. Night-time additions use the bank's 6 AM timing rule. New Mobile Banking registration: first 24h cumulative ₹15,000, split ₹5,000 Quick Pay + ₹10,000 to a new beneficiary after one hour. Standing instruction to a newly added beneficiary is enabled after 24h. |
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| Federal Bank Transfers — NEFT, RTGS & IMPS | FedNet documents NEFT up to ₹10 lakh as available 24x7 subject to the client's set transaction limit. Enhanced limits beyond ₹10 lakh are available Monday–Friday and eligible Saturdays from 8:45 AM–6:30 PM. RTGS uses the applicable ₹2 lakh system minimum. FedNet documents transfers up to ₹10 lakh 24x7 subject to the client-set limit, with enhanced limits beyond ₹10 lakh during the published working-day window. | IMPS is an instant digital rail; the reviewed Federal sources do not provide one clean universal Federal customer maximum, so v1.39 preserves the customer/channel limit model rather than inventing a daily cap. Newly added FedNet beneficiaries are activated instantly for most 2FA arrangements, but customers who selected SMS OTP as 2FA have a 24-hour beneficiary activation wait. Beneficiary cooling is authentication-form-factor dependent, not a universal Federal number. FedNet also allows customer transaction limits to be changed through its limit-management service. |
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| HDFC Bank Transfers — NEFT, RTGS & IMPS | 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. 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. | 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. Other-bank beneficiary activation takes about 30 minutes. Maximum four payment modes/payees can be added in 24 hours under the reviewed transfer guidance. 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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| ICICI Bank Transfers — NEFT, RTGS & IMPS | 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. 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. | 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. New-payee first-24-hour amounts are category-specific: Global Private/NRI ₹10L, Wealth/Wealth Select ₹5L, Privilege ₹2L, General ₹1L. 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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| IDFC FIRST Bank Transfers — NEFT, RTGS & IMPS | Internet Banking minimum Re.1, maximum ₹20 lakh under the current limit sheet, further constrained by individual-beneficiary and overall customer-set limits. Internet Banking minimum ₹2 lakh, maximum ₹20 lakh, further constrained by applicable beneficiary/overall limits. | 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. 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. 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. |
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| IndusInd Bank Transfers — NEFT, RTGS & IMPS | INDIE supports NEFT within the current ₹10 lakh cumulative daily mobile fund-transfer limit. The reviewed mobile page says method-specific limits can vary; v1.39 does not invent a separate NEFT ceiling where current first-party evidence is not explicit. Minimum ₹2 lakh. IndusNet publishes ₹10 lakh for individual customers and ₹25 lakh for non-individual customers; IndusDirect standard permitted cumulative/per-transaction limit is ₹25 lakh. INDIE remains subject to its separate mobile cumulative limit. | INDIE supports instant IMPS within the app's cumulative daily transfer control and applicable IMPS rail limit. The current mobile page says method-specific limits can vary rather than publishing one stable universal bank maximum. IndusMobile FAQ permits up to 5 beneficiary additions/day for Current Accounts and 3/day for Savings Accounts across IndusNet/IndusMobile. The reviewed retail sources do not establish one universal new-beneficiary cooling duration. Current INDIE: first registration/device re-registration sets ₹2 lakh for 24h; limit increase uses OTP + 4h cooling with old limit active. Separate IndusMobile FAQ instead states ₹10,000 for 24h after new-user/device/phone registration; conflict retained. |
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| Kotak Mahindra Bank Transfers — NEFT, RTGS & IMPS | Digital NEFT is available 24x7 except Kotak's published 11:30 PM–12:30 AM no-initiation window. Existing/customer-set limits apply through 9:30 PM; up to ₹10 lakh is shown for 9:30–11:30 PM, and the bank publishes a maximum permissible ₹50 lakh per transaction from 12:30–7:30 AM, still subject to the overall daily limit. Minimum ₹2 lakh. Kotak lists RTGS 24x7 except 11:30 PM–12:30 AM and a maximum permissible ₹5 crore per transaction between 12:30–7:30 AM; the customer/CRN daily limit can be lower. | Instant 24x7 through Net/Mobile. Current default CRN limits apply across IMPS with the customer's overall controls; Kotak's separate beneficiary article states up to ₹5 lakh daily IMPS after its stated first-day beneficiary restriction, so this is kept as source-scoped rather than used to overwrite the newer segment table. Main current limit page: add up to 10 beneficiaries/day for Privy/Wealth/Solitaire/Non-Resident or 5/day for Regular/811; newly added beneficiary caps are ₹3 lakh, ₹50,000 and ₹25,000 by segment, after a 30-minute no-transfer cooling period. A separate current Kotak help article says the limit is ₹25,000 for the first 24 hours after a beneficiary is added or edited. Because this conflicts with the segment-based 30-minute/cap table, both are retained and the live channel screen should control at transfer time. |
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| SBI Bank Transfers — NEFT, RTGS & IMPS | 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 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. | 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. 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. 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. |
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| YES BANK Transfers — NEFT, RTGS & IMPS | Available 24x7x365 and settles in RBI batches. YES ONLINE states no minimum and no per-transaction maximum in the bank FAQ; transfer amount remains subject to the lower customer-set or bank-enforced daily transaction limit. Real-time 24x7x365 with ₹2 lakh minimum. The applicable customer/bank daily transaction limit and account/channel controls still constrain the usable amount. | Real-time 24x7x365; no minimum in the YES ONLINE FAQ and maximum ₹2 lakh per transaction, up to the lower customer-set or bank-enforced daily limit. YES ONLINE supports beneficiary/payee transfers, but the reviewed current first-party material does not establish one universal new-beneficiary cooling duration across all retail channels, so none is inferred. Customer-set versus bank-enforced daily limits are modeled explicitly. No unsupported beneficiary wait or first-day cap is added merely because other banks use one. |
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