Limits of IMPS, NEFT & RTGS in India
Today’s date: 07 November 2025
Is article me hum dekhenge ki Bharat me teen major electronic fund transfer system — IMPS (Immediate Payment Service), NEFT (National Electronic Funds Transfer) aur RTGS (Real Time Gross Settlement) — ke liye kya limits lagu hain. Hum English aur Hinglish (Roman Hindi) mix me samjhenge taaki sabko easily samajh aaye.
📑 Table of Contents
- 1. Parichay – What are IMPS, NEFT & RTGS?
- 2. IMPS (Immediate Payment Service) ki Limits
- 3. NEFT (National Electronic Funds Transfer) ki Limits
- 4. RTGS (Real Time Gross Settlement) ki Limits
- 5. Tulna – Which One When?
- 6. Bank Policy & Tips
- 7. FAQs (Frequently Asked Questions)
- 8. Conclusion
- 📋 Summary Table
1. Parichay – What are IMPS, NEFT & RTGS?
Agar aap bank account se turant paise bhejna chahte hain, to aapke paas alag-alag options hote hain. Inme se IMPS, NEFT aur RTGS sabse popular hain. Neeche inke baare me short info hai:
- IMPS: Real-time, 24×7 available service, mostly mobile/net-banking ke through.
- NEFT: Batch-based fund transfer system, normal transactions ke liye best.
- RTGS: Large value transactions ke liye, instant real-time settlement.
Ab hum har service ke liye minimum & maximum limits, usage scenarios, aur “kab kaunsi service choose karein” ye dekhenge.
2. IMPS (Immediate Payment Service) ki Limits
English summary: For IMPS, minimum is about ₹1, maximum per transaction up to around ₹5 lakh (varies by bank).
Hinglish me: IMPS ke through aap approx ₹1 se transfer start kar sakte ho. Maximum amount usually ₹5 lakh per transaction tak hoti hai, lekin ye har bank ke rules par depend karta hai.
- Ye service 24 hours, 365 days available hoti hai.
- Bank-specific rules ho sakte hain — matlab har bank apne customers ke liye alag limits set kar sakta hai.
- Example ke liye, kai banks ne IMPS ki max limit ₹5 lakh fix ki hai.
2.1 Kab IMPS use karein?
Agar aapko payment instantly karna hai, chahe din ho ya raat, holiday ho ya bank closed ho — to IMPS best option hai. Jaise friend ko paisa bhejna, emergency payment karna, etc.
3. NEFT (National Electronic Funds Transfer) ki Limits
English summary: NEFT has no minimum or maximum limit imposed by the regulator (RBI) though banks may set caps. Minimum about ₹1.
Hinglish me: NEFT ke liye RBI ne koi fixed minimum ya maximum amount decide nahi kiya hai — matlab technically ₹1 se start ho sakta hai aur koi upper limit nahi hai. Lekin dhyan rahe: har bank apni policy ke hisaab se limit set kar sakta hai.
- Transfers batches me hote hain (half-hourly ya hourly), instantly nahi jaise IMPS/RTGS me hota hai.
- 24×7 available hai online mode me.
- Kuch banks specific time slots ya off-hour transactions ke liye extra rules rakhte hain.
3.1 Kab NEFT use karein?
Agar aapki transfer amount zyada nahi hai, ya time ka immediate pressure nahi hai — jaise rent payment, monthly bill, ya vendor payment — to NEFT ek safe aur simple option hai.
4. RTGS (Real Time Gross Settlement) ki Limits
English summary: RTGS minimum per transaction is ₹2 lakh, no upper limit by regulator; banks may have internal limits.
Hinglish me: RTGS ke liye minimum amount ₹2 lakh per transaction hota hai. RBI ne koi upper limit fix nahi ki hai, lekin banks apni limits set kar sakte hain.
- Ye service mainly large amount transfers ke liye hoti hai jaha instant settlement important hota hai.
- Har bank apne customers ke liye daily ya per transaction limit set karta hai (jaise TPT - Third Party Transfer).
4.1 Kab RTGS use karein?
Jab aapko bada amount bhejna ho — jaise property payment, business transaction ya high-value settlement — aur instant credit chahiye ho, tab RTGS best option hai.
5. Tulna – Which one when?
Yahan ek comparison diya gaya hai jisme 70% English aur 30% Hinglish mix hai.
| Feature | IMPS | NEFT | RTGS |
|---|---|---|---|
| Availability | 24×7 Instant | 24×7 (online) / batch | 24×7 Online / real-time |
| Minimum Limit | ≈ ₹1 | ≈ ₹1 | ₹2 lakh |
| Maximum Limit | ≈ up to ₹5 lakh (varies bank-to-bank) | No regulator limit; bank may cap | No regulator upper limit; bank may cap |
| Best For | Instant personal transfers | Routine transfers | High-value urgent transfers |
6. Bank Policy & Tips
Bahut-se banks customers ke hisaab se apni daily limit (per day limit), per transaction limit, aur customer segment ke basis par alag rules lagate hain.
7. FAQs (Frequently Asked Questions)
Q1. Kya NEFT me koi minimum ya maximum limit hai?
Nahi, RBI ne NEFT ke liye koi minimum ya maximum limit fix nahi ki hai. Lekin banks apni policy ke according limit laga sakte hain.
Q2. IMPS ki maximum limit kitni hai?
IMPS ke liye daily limit approx ₹5 lakh hoti hai, lekin ye har bank me thoda different ho sakta hai.
Q3. RTGS kab use karein aur iska minimum amount kya hai?
RTGS large value transfer ke liye hota hai. Minimum ₹2 lakh hota hai aur koi upper limit nahi hai (banks apni fix kar sakte hain).
Q4. Kya ye services 24×7 available hain?
Haan, IMPS, NEFT aur RTGS (online) services 24×7 available hain.
Q5. Banks ke charges kitne hote hain?
Banks alag-alag charges lete hain. Example ke liye, kuch banks IMPS ke liye ₹2.5 se ₹15 tak charge karte hain.
8. Conclusion
To overall summary ye hai:
• Instantly payment karna hai → IMPS
• Routine payment → NEFT
• Large amount instant transfer → RTGS
Bank policies aur charges change ho sakte hain, so hamesha apne bank me confirm karein.
📋 Summary Table
| Service | Min Limit | Max Limit | Best For |
|---|---|---|---|
| IMPS | ≈ ₹1 | ≈ ₹5 lakh (bank-dependent) | Instant personal transfers |
| NEFT | ≈ ₹1 | No regulator limit | Routine/non-urgent payments |
| RTGS | ₹2 lakh | No regulator upper limit | High-value urgent transfers |