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Bank Charge Guide

IMPS charges

Check IMPS charges and the conditions attached to them using the bank's published source.

23 checked rules16 banks covered

Verified IMPS Rules by Bank

Amounts, trigger criteria, GST treatment, and official source links for each bank account.

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Bank of Baroda
Bank of Baroda

Retail Banking Service Charges

CHECKED
IMPS transfer charge

Other

Up to Rs 1,000: ₹2.50 · Rs 1,001 to Rs 25,000: ₹5.00 · Rs 25,001 to Rs 5,00,000: ₹15.00

Verified 9 Aug 2026Official source

When this charge applies

Retail customers; Digital Channels only. The current source table does not expose a corresponding retail branch value in the rendered rows, so no retail-branch rule is inferred.

Official source (HTML)

Checked 2026-08-09 · Effective 2025-10-01

Canara Bank
Canara Bank

Retail Banking Service Charges

CHECKED
IMPS transfer charge

Other

Below Rs1,000: ₹0.00 · Rs1,000 to below Rs10,000: ₹3.00 · Rs10,000 to below Rs25,000: ₹5.00 · Rs25,000 to below Rs1,00,000: ₹8.00 · Rs1,00,000 to below Rs2,00,000: ₹15.00 · Rs2,00,000 to Rs5,00,000: ₹20.00

Verified 9 Aug 2026Official source

When this charge applies

For SB/CA/OD/OCC funds transfer through Internet and Mobile Banking Services.

Possible waiver or exception

Staff Account, Ex-Staff, Jan Dhan Accounts, BSBD Accounts and other Financial Inclusion Accounts are exempt as explicitly published.

Official source (HTML)

Checked 2026-08-09

Dhanlaxmi Bank Limited
Dhanlaxmi Bank Limited

Retail Banking Service Charges

CHECKED
IMPS transfer charge

Other

Rs 1 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh and up to Rs 2 lakh: ₹15.00

Verified 15 Aug 2026Official source

When this charge applies

Dhanlaxmi Bank outward IMPS transactions. The current Charges page lists Rs5 + GST up to Rs1 lakh and Rs15 + GST above Rs1 lakh up to Rs2 lakh.

Official source (HTML)

Checked 2026-08-15

Federal Bank Limited
Federal Bank Limited

Retail Banking Service Charges

CHECKED
IMPS transfer charge

Other

Rs 1 to Rs 1,000: ₹2.50 · Above Rs 1,000 to Rs 25,000: ₹5.00 · Above Rs 25,000 to Rs 1 lakh: ₹7.00 · Above Rs 1 lakh: ₹15.00

Verified 9 Aug 2026Official source

When this charge applies

Federal Bank liability-product schedule. FedMobile and FedNet both state IMPS is applicable as per this IMPS charge table; product-specific FI/Jupiter scheme waivers may exist and must be modeled separately rather than flattening the base tariff.

Official source (PDF)

Checked 2026-08-09 · Effective 2026-04-01

HDFC Bank Limited
HDFC Bank Limited

Savings & Salary Accounts — Service Charge Portfolio

CHECKED
IMPS transfer charge

Other

Up to Rs 1,000: ₹2.50 · Above Rs 1,000 up to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh: ₹15.00

Verified 9 Aug 2026Official source

When this charge applies

Outward IMPS online transactions. Underlying tariff applies to non-waived customers; published Imperia/Preferred waiver applies separately.

Possible waiver or exception

IMPS Fund Transfers are free for Imperia and Preferred Customers as stated on the official HDFC IMPS fee page.

Official source (HTML)

Checked 2026-08-09 · Effective 2025-08-01

IDFC FIRST Bank Limited
IDFC FIRST Bank Limited

Savings Account — Common Service Charges

CHECKED
IMPS transfer charge

General

₹0 (Free)

Verified 15 Aug 2026Official source

When this charge applies

IDFC FIRST Bank Savings Account. The official page lists IMPS among fund-transfer options available through internet banking, mobile app, ATMs and branch visits and states these transfers are without any additional charges.

Official source (HTML)

Checked 2026-08-15

Indian Bank
Indian Bank

Retail Banking Service Charges

CHECKED
IMPS transfer charge

General

Up to Rs 1,000: ₹2.50 · Rs 1,001 to Rs 10,000: ₹5.00 · Rs 10,001 to Rs 25,000: ₹5.00 · Rs 25,001 to Rs 1,00,000: ₹15.00 · Above Rs 1 lakh to Rs 2 lakh: ₹15.00 · Above Rs 2 lakh to Rs 5 lakh: ₹15.00

Verified 5 Sept 2026Official source

When this charge applies

Indian Bank IMPS. The schedule states the same rate at the branch and at internet and mobile banking, so no channel split is stored. Not applicable to staff and ex-staff. GST is additional.

Official source (PDF)

Checked 2026-09-05

Punjab National Bank
Punjab National Bank

Retail Banking Service Charges

CHECKED
IMPS transfer charge

Branch

Up to Rs 1,000: ₹0.00 · Above Rs 1,001 to Rs 1 lakh: ₹6.00 · Above Rs 1 lakh: ₹12.00

Verified 6 Sept 2026Official source

When this charge applies

Punjab National Bank outward IMPS initiated at a branch. The page states the up-to-Rs-1,000 band is NIL on every channel. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Official source (HTML)

Checked 2026-09-06

Punjab National Bank
Punjab National Bank

Cash Credit and Overdraft Accounts

CHECKED
IMPS transfer charge

Net banking

Up to Rs 1,000: ₹0.00 · Above Rs 1,001 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh: ₹10.00

Verified 6 Sept 2026Official source

When this charge applies

Punjab National Bank outward IMPS initiated online from a cash credit or overdraft account. The page states the up-to-Rs-1,000 band is NIL on every channel. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Official source (HTML)

Checked 2026-09-06

Punjab National Bank
Punjab National Bank

Current Account

CHECKED
IMPS transfer charge

Net banking

₹0 (Free)

Verified 6 Sept 2026Official source

When this charge applies

Punjab National Bank outward IMPS initiated online from a current account, at every band. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. The page states no separate effective date for this IMPS column, so none is stored.

Official source (HTML)

Checked 2026-09-06

Punjab National Bank
Punjab National Bank

Savings Fund Account

CHECKED
IMPS transfer charge

Net banking

Up to Rs 1,000: ₹0.00 · Above Rs 1,001 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh: ₹10.00

Verified 6 Sept 2026Official source

When this charge applies

Punjab National Bank outward IMPS initiated online from a savings account. The page states the up-to-Rs-1,000 band is NIL on every channel. The page prices this transfer in four separate columns — Branch, Online CC/OD, Online Savings and Online Current — so this figure applies only to the column named here and never to another channel or account type. Charges are exclusive of GST wherever applicable.

Official source (HTML)

Checked 2026-09-06

Punjab & Sind Bank
Punjab & Sind Bank

Savings Accounts — Service Charges

CHECKED
IMPS transfer charge

Net banking

Up to Rs 25,000: ₹0.00 · Over Rs 25,000 up to Rs 50,000: ₹5.00 · Over Rs 50,000 up to Rs 2 lakh: ₹10.00 · Over Rs 2 lakh up to Rs 5 lakh: ₹15.00

Verified 15 Aug 2026Official source

When this charge applies

Punjab & Sind Bank IMPS Online Mode only. Branch-mode charges are not represented because the current official page says branch IMPS is under testing/development and charges apply only as and when implemented in CBS.

Official source (HTML)

Checked 2026-08-15

RBL Bank Limited
RBL Bank Limited

Imperium Savings Account (formerly RBL Rise)

CHECKED
IMPS transfer charge

General

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

RBL Bank Imperium Savings Account, named RBL Rise/Imperium on the schedule only; the schedule states IMPS is free for this product, so the standard IMPS slabs on the same schedule do not apply to it. No channel split is stated for IMPS and none is inferred.

Official source (PDF)

Checked 2026-09-05 · Effective 2026-02-02

RBL Bank Limited
RBL Bank Limited

Savings Accounts — Schedule of Charges

CHECKED
IMPS transfer charge

General

Up to Rs 1,000: ₹2.50 · Rs 1,001 to Rs 25,000: ₹5.00 · Rs 25,001 to Rs 5,00,000: ₹15.00

Verified 5 Sept 2026Official source

When this charge applies

RBL Bank savings accounts on the standard schedule. The schedule states no channel split for IMPS, so none is inferred. The same schedule makes IMPS free for Seniors First and RBL Rise/Imperium, each of which carries its own product rule instead of being flattened into this one. Taxes are additional.

Official source (PDF)

Checked 2026-09-05 · Effective 2026-02-02

RBL Bank Limited
RBL Bank Limited

Seniors First Savings Account

CHECKED
IMPS transfer charge

General

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

RBL Bank Seniors First Savings Account only; the schedule states IMPS is free for this product, so the standard IMPS slabs on the same schedule do not apply to it. No channel split is stated for IMPS and none is inferred.

Official source (PDF)

Checked 2026-09-05 · Effective 2026-02-02

UCO Bank
UCO Bank

Retail Banking Service Charges

CHECKED
IMPS transfer charge

General

Up to Rs 1,000: ₹0.00 · Rs 1,001 to Rs 10,000: ₹2.55 · Rs 10,001 to Rs 1,00,000: ₹5.09 · Rs 1,00,001 to Rs 5,00,000: ₹14.41

Verified 5 Sept 2026Official source

When this charge applies

UCO Bank IMPS. Charges are exclusive of GST.

Official source (PDF)

Checked 2026-09-05 · Effective 2023-07-15

Official Tariff Guarantee

Every figure on this page is retrieved directly from official Schedule of Charges documents and RBI circulars. No bank can pay to alter, suppress, or enhance fee ratings on SharpScroll.

Frequently Asked Questions (IMPS charges)

What is the standard charge for imps charges across Indian banks?

Charges for imps charges depend on the bank, account variant, channel (online vs branch), and transaction amount tier. In addition, 18% GST is added unless an official zero-rate policy applies.

Can I get a waiver or refund for imps charges?

Waivers depend on meeting required account balance criteria, using digital banking channels (NEFT/RTGS/UPI), or submitting a dispute if debited wrongfully.

How do I avoid paying imps charges altogether?

You can often reduce imps charges by transacting online rather than at a branch, keeping the balance your account tier requires, or asking your bank which debit card variants carry no annual charge. Compare published charges before switching accounts.