Bank Charge Guide · 21 banks covered · 28 checked rules
Check IMPS charges and the conditions attached to them using the bank's published source. Published figures run from ₹0 to ₹20 across 20 banks, before GST.
IMPS transfer charges, by bank
Bank’s own figures, before GST. Where a bank publishes several rates, the bar runs from its lowest to its highest — its table below says which applies to whom. Tap a figure for its source.
Not on this chart (1)
Amounts, trigger criteria, GST treatment, and official source links for each bank account.
Run 60s Bank Fee Audit →General
Up to Rs1,000: ₹2.50 · Above Rs1,000 up to Rs1 lakh: ₹5.00 · Above Rs1 lakh up to Rs5 lakh: ₹10.00
When this charge applies
Axis New Easy Access Savings Account (fee-master selected value 57, labelled Wef 15Th Feb 2025); regular IMPS tariff before any exact product concession.
Checked 2026-09-17
Other
₹0 (Free)
When this charge applies
Bandhan Bank Government Salary Account only. The source lists IMPS among free fund transfers but does not split the channel.
Checked 2026-08-15
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
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.
Checked 2026-08-09 · Effective 2025-10-01
General
Below Rs 1,000: ₹2.50 · Rs 1,001 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh: ₹15.00
When this charge applies
Bank of Maharashtra IMPS transfers. The schedule prints the first slab as below Rs 1,000 and the second from Rs 1,001, so exactly Rs 1,000 is not covered by either row as printed. GST is additional; the schedule is stated excluding GST.
Checked 2026-09-26
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
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.
Checked 2026-08-09
Net banking
Up to Rs 1,000: ₹2.50 · Above Rs 1,000 and up to Rs 25,000: ₹5.00 · Above Rs 25,000 and up to Rs 5 lakh: ₹15.00
When this charge applies
City Union Bank IMPS online transaction charge table.
Checked 2026-08-15 · Effective 2026-04-01
Other
₹0 (Free)
When this charge applies
Dhanlaxmi Bank inward IMPS transactions only.
Checked 2026-08-15
Other
Rs 1 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh and up to Rs 2 lakh: ₹15.00
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.
Checked 2026-08-15
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
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.
Checked 2026-08-09 · Effective 2026-04-01
General
₹0 (Free)
When this charge applies
Inward IMPS transactions.
Checked 2026-08-09
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
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.
Checked 2026-08-09 · Effective 2025-08-01
General
₹0 (Free)
When this charge applies
Savings Accounts opened from 01-Aug-2025 and recently migrated products covered by the current schedule; excluded account families remain excluded by the source. Ordinary Regular Savings accounts opened from 01-Aug-2025 or recently migrated to the current products; excludes Salary, Senior Citizen/Pensioner, BSBDA/PMJDY and disability-account SOCs, and programme-specific benefits.
Checked 2026-09-17
General
₹0 (Free)
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.
Checked 2026-08-15
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
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.
Checked 2026-09-05
Other
₹0 (Free)
When this charge applies
Indus Delite Savings Account. Current schedule marks IMPS outward as Free; the row does not further split the delivery channel.
Checked 2026-08-15 · Effective 2026-04-01
General
Up to Rs 10,000: ₹2.50 · Above Rs 10,000 up to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh up to Rs 2 lakh: ₹15.00 · Above Rs 2 lakh up to Rs 5 lakh: ₹15.00
When this charge applies
Indian Overseas Bank IMPS through mobile banking / net banking. UPI transfers carry no charge. Many IOB schemes get IMPS free (salary Gold/Diamond/Platinum, SB Max, HNI, pensioner, Freedom, Prime/Priority/Privilege and others). GST is additional; the schedule is stated excluding GST.
Checked 2026-09-26
Other
₹0 (Free)
When this charge applies
Kotak 811 only; online transfer context from the official product page.
Checked 2026-08-15
Branch
Up to Rs 1,000: ₹0.00 · Above Rs 1,001 to Rs 1 lakh: ₹6.00 · Above Rs 1 lakh: ₹12.00
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.
Checked 2026-09-06
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
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.
Checked 2026-09-06
Net banking
₹0 (Free)
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.
Checked 2026-09-06
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
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.
Checked 2026-09-06
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
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.
Checked 2026-08-15
General
₹0 (Free)
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.
Checked 2026-09-05 · Effective 2026-02-02
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
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.
Checked 2026-09-05 · Effective 2026-02-02
General
₹0 (Free)
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.
Checked 2026-09-05 · Effective 2026-02-02
General
Online — Up to Rs25,000: ₹0.00 · Online — Above Rs25,000 up to Rs1 lakh: ₹2.00 · Online — Above Rs1 lakh up to Rs2 lakh: ₹6.00 · Online — Above Rs2 lakh up to Rs5 lakh: ₹10.00 · Branch — Up to Rs1,000: ₹0.00 · Branch — Above Rs1,000 up to Rs10,000: ₹2.00 · Branch — Above Rs10,000 up to Rs1 lakh: ₹4.00 · Branch — Above Rs1 lakh up to Rs2 lakh: ₹12.00 · Branch — Above Rs2 lakh up to Rs5 lakh: ₹20.00
When this charge applies
SBI retail customers from 15-Feb-2026. Listed salary-package accounts are waived and are not represented by this regular retail rule.
Checked 2026-09-17 · Effective 2026-02-15
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
When this charge applies
UCO Bank IMPS. Charges are exclusive of GST.
Checked 2026-09-05 · Effective 2023-07-15
Other
₹0 (Free)
When this charge applies
YES Digital Salary Account only; digital IMPS through the two source-named channels.
Checked 2026-08-15
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.
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.
Waivers depend on meeting required account balance criteria, using digital banking channels (NEFT/RTGS/UPI), or submitting a dispute if debited wrongfully.
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.
