SharpScrollINDIA

Bank Charge Guide

NEFT charges

See the NEFT fee rules currently supported by an official source for each bank and channel.

55 checked rules28 banks covered

Verified NEFT Rules by Bank

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

Run 60s Bank Fee Audit →
Bank of Baroda
Bank of Baroda

Retail Banking Service Charges

CHECKED
NEFT transfer charge

General

Up to Rs 10,000: ₹2.25 · Rs 10,001 to Rs 1,00,000: ₹4.75 · Rs 1,00,001 to Rs 2 lakh: ₹14.75 · Above Rs 2 lakh: ₹24.75

Verified 9 Aug 2026Official source

When this charge applies

Other than Savings Bank accounts. Current official table shows the same amounts for digital and branch columns.

Official source (HTML)

Checked 2026-08-09 · Effective 2020-01-01

Bank of Maharashtra
Bank of Maharashtra

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Branch

Up to Rs 10,000: ₹2.50 · Rs 10,001 to Rs 1 Lakh: ₹5.00 · Rs 1.01 Lakh to Rs 2 Lakh: ₹15.00 · Above Rs 2 Lakh: ₹25.00

Verified 9 Aug 2026Official source

When this charge applies

Outward NEFT across counter. Slab labels preserve the official tariff wording.

Official source (HTML)

Checked 2026-08-09 · Effective 2026-02-01

Canara Bank
Canara Bank

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Branch

Up to Rs 10,000: ₹2.25 · Rs 10,001 to Rs 50,000: ₹4.75

Verified 5 Sept 2026Official source

When this charge applies

Canara Bank NEFT remitted against cash. The page states normal charges apply and that the facility is available only up to Rs 50,000, so no band above that limit is stored. GST is additional.

Official source (HTML)

Checked 2026-09-05

Canara Bank
Canara Bank

Retail Banking Service Charges

CHECKED
NEFT transfer charge

General

Up to Rs 10,000: ₹2.25 · Rs 10,001 to Rs 1 lakh: ₹4.75 · Rs 1,00,001 to Rs 2 lakh: ₹14.75 · Above Rs 2 lakh: ₹24.75

Verified 5 Sept 2026Official source

When this charge applies

Canara Bank outward NEFT. The page separately states no charge for savings customers who initiate NEFT through online channels, and caps NEFT against cash at Rs 50,000; both are stored as their own rules rather than folded into this base tariff. GST is additional.

Official source (HTML)

Checked 2026-09-05

Canara Bank
Canara Bank

Savings Bank Account — Standard Balance Schedule

CHECKED
NEFT transfer charge

Other

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

Canara Bank savings customers; NEFT initiated through internet banking or the bank's mobile apps. The channel value carries only the online channels the page names and does not extend to NEFT initiated at a branch, which keeps the base tariff.

Official source (HTML)

Checked 2026-09-05

Central Bank of India
Central Bank of India

CENT SAMARTH Salary Account

CHECKED
NEFT transfer charge

Other

₹0 (Free)

Verified 15 Aug 2026Official source

When this charge applies

Central Bank of India CENT SAMARTH Salary Account only; NEFT initiated through digital mode. The official page separately says applicable charge for offline mode, so this rule must not be generalized to branch/offline NEFT.

Official source (HTML)

Checked 2026-08-15

CSB Bank Limited
CSB Bank Limited

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Other

Up to Rs 10,000: ₹2.50 · Above Rs 10,000 and up to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh and up to Rs 2 lakh: ₹15.00 · Above Rs 2 lakh: ₹25.00

Verified 15 Aug 2026Official source

When this charge applies

CSB Bank outgoing NEFT transactions. The official page does not narrow the outgoing charge table to a specific delivery channel, so no branch/digital channel is invented.

Official source (HTML)

Checked 2026-08-15

City Union Bank Limited
City Union Bank Limited

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Branch

Up to Rs 10,000: ₹1.50 · Above Rs 10,000 and up to Rs 1 lakh: ₹4.00 · Above Rs 1 lakh and up to Rs 5 lakh: ₹14.00 · Above Rs 5 lakh: ₹24.00

Verified 15 Aug 2026Official source

When this charge applies

City Union Bank service-charge table; NEFT initiated through branch. Online NEFT is stored separately as zero charge.

Official source (HTML)

Checked 2026-08-15 · Effective 2026-04-01

DCB Bank Limited
DCB Bank Limited

DCB NRE Classic Savings Account

CHECKED
NEFT transfer charge

Other

₹0 (Free)

Verified 15 Aug 2026Official source

When this charge applies

DCB Bank NRE Classic Savings Account only; NEFT initiated through DCB Internet Banking or Mobile Banking. The current official page also states RTGS is free, but this rule models NEFT only. No branch-channel waiver or effective date is inferred.

Official source (HTML)

Checked 2026-08-15

Dhanlaxmi Bank Limited
Dhanlaxmi Bank Limited

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Branch

Up to Rs 10,000: ₹2.50 · Rs 10,001 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh and up to Rs 2 lakh: ₹15.00 · Above Rs 2 lakh: ₹25.00

Verified 15 Aug 2026Official source

When this charge applies

Dhanlaxmi Bank outward NEFT initiated from branch. Internet/Mobile Banking NEFT is stored separately as free.

Official source (HTML)

Checked 2026-08-15

Federal Bank Limited
Federal Bank Limited

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Branch

Up to Rs 10,000: ₹2.00 · Rs 10,001 to Rs 1,00,000: ₹4.00 · Rs 1,00,001 to Rs 2,00,000: ₹14.00 · Rs 2,00,001 and above: ₹20.00

Verified 5 Sept 2026Official source

When this charge applies

Federal Bank liability products; NEFT outward initiated at a branch. The same schedule prices NEFT through FedNet and FedMobile at nil and inward NEFT at nil, both of which are stored as separate rules rather than folded into this one. GST is additional.

Official source (PDF)

Checked 2026-09-05 · Effective 2026-04-01

Federal Bank Limited
Federal Bank Limited

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Other

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

Federal Bank liability products; NEFT initiated through FedNet internet banking or FedMobile mobile banking. The channel value groups only those two source-named digital channels and does not extend to branch NEFT, which is charged.

Official source (PDF)

Checked 2026-09-05 · Effective 2026-04-01

IDBI Bank Limited
IDBI Bank Limited

Advantage Savings Account

CHECKED
NEFT transfer charge

Branch

Up to Rs 10,000: ₹2.00 · Above Rs 10,000 to Rs 1 lakh: ₹5.00 · Above Rs 1 lakh to Rs 2 lakh: ₹15.00 · Above Rs 2 lakh: ₹25.00

Verified 15 Aug 2026Official source

When this charge applies

IDBI Advantage Savings Account; NEFT initiated through Branch Channel. Net/Mobile Banking NEFT is represented separately as free.

Official source (PDF)

Checked 2026-08-15 · Effective 2026-02-01

IDFC FIRST Bank Limited
IDFC FIRST Bank Limited

Savings Account — Common Service Charges

CHECKED
NEFT transfer charge

General

₹0 (Free)

Verified 15 Aug 2026Official source

When this charge applies

IDFC FIRST Bank Savings Account. The official page lists NEFT 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
NEFT transfer charge

General

Up to Rs 10,000: ₹2.25 · Above Rs 10,000 to Rs 1 lakh: ₹4.75 · Above Rs 1 lakh to Rs 2 lakh: ₹14.75 · Above Rs 2 lakh: ₹24.75

Verified 5 Sept 2026Official source

When this charge applies

Indian Bank outward NEFT. The schedule carries a footnote waiving savings-bank customers from charges on NEFT online transactions; that waiver is stored as its own channel rule on the savings product and is not folded into this base tariff. GST is additional.

Official source (PDF)

Checked 2026-09-05

Indian Bank
Indian Bank

Savings Bank Accounts

CHECKED
NEFT transfer charge

Other

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

Indian Bank savings-bank customers, NEFT initiated online. The channel value carries only the online transactions the schedule's footnote names; NEFT that is not online keeps the base tariff stored separately.

Official source (PDF)

Checked 2026-09-05

IndusInd Bank Limited
IndusInd Bank Limited

Indus Delite Savings Account

CHECKED
NEFT transfer charge

Branch

Up to Rs 50,000: ₹0.00 · Above Rs 50,000 to Rs 1 lakh: ₹4.00 · Above Rs 1 lakh to Rs 2 lakh: ₹14.00 · Above Rs 2 lakh: ₹24.00

Verified 15 Aug 2026Official source

When this charge applies

Indus Delite Savings Account; NEFT outward initiated at branch. Current schedule separately states Net Banking/Mobile Banking NEFT has no charge.

Official source (PDF)

Checked 2026-08-15 · Effective 2026-01-01

Jammu and Kashmir Bank Limited
Jammu and Kashmir Bank Limited

J & K Bank Pink Silver Saving Scheme for Women

CHECKED
NEFT transfer charge

Other

₹0 (Free)

Verified 15 Aug 2026Official source

When this charge applies

J & K Bank Pink Silver Saving Scheme for Women only; NEFT initiated by the customer through E-banking or M-pay. The current page also states RTGS is free in the same digital scope, but this rule models NEFT only. No effective date is inferred from the page's Last Updated date.

Official source (HTML)

Checked 2026-08-15

Punjab National Bank
Punjab National Bank

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Branch

Up to Rs 10,000: ₹2.25 · Above Rs 10,000 to Rs 1 lakh: ₹4.75 · Above Rs 1 lakh to Rs 2 lakh: ₹14.75 · Above Rs 2 lakh: ₹24.75

Verified 6 Sept 2026Official source

When this charge applies

Punjab National Bank outward NEFT initiated at a branch. 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
NEFT transfer charge

Net banking

Up to Rs 10,000: ₹1.75 · Above Rs 10,000 to Rs 1 lakh: ₹4.25 · Above Rs 1 lakh to Rs 2 lakh: ₹14.25 · Above Rs 2 lakh: ₹24.25

Verified 6 Sept 2026Official source

When this charge applies

Punjab National Bank outward NEFT initiated online from a cash credit or overdraft account. 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
NEFT transfer charge

Net banking

₹0 (Free)

Verified 6 Sept 2026Official source

When this charge applies

Punjab National Bank outward NEFT initiated online from a current account, at every slab. 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 this NIL applies with effect from 12.10.2023.

Official source (HTML)

Checked 2026-09-06 · Effective 2023-10-12

Punjab National Bank
Punjab National Bank

Savings Fund Account

CHECKED
NEFT transfer charge

Net banking

₹0 (Free)

Verified 6 Sept 2026Official source

When this charge applies

Punjab National Bank outward NEFT initiated online from a savings account, at every slab. 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 branch column of the same table charges up to Rs 24.75 for the same transfer.

Official source (HTML)

Checked 2026-09-06

RBL Bank Limited
RBL Bank Limited

Imperium Savings Account (formerly RBL Rise)

CHECKED
NEFT transfer charge

Branch

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

RBL Bank Imperium Savings Account, named RBL Rise/Imperium on the schedule only; NEFT outward through a branch, which the schedule states is free for this product. The standard branch tariff on the same schedule does not apply to it.

Official source (PDF)

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

RBL Bank Limited
RBL Bank Limited

Savings Accounts — Schedule of Charges

CHECKED
NEFT transfer charge

Branch

Under Rs 50,000: ₹2.00 · Rs 50,000 to Rs 1,00,000: ₹5.00 · Above Rs 1,00,000: ₹10.00

Verified 5 Sept 2026Official source

When this charge applies

RBL Bank savings accounts on the standard schedule; NEFT outward through a branch. The same schedule makes branch NEFT free for Seniors First, Advantage/Revelio 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

Savings Accounts — Schedule of Charges

CHECKED
NEFT transfer charge

Other

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

RBL Bank savings accounts, all products; NEFT outward initiated through the bank's online channels. The channel value names the online channels the schedule groups together and does not extend to branch NEFT, which is charged on the standard schedule.

Official source (PDF)

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

RBL Bank Limited
RBL Bank Limited

Revelio Savings Account (formerly Advantage Savings)

CHECKED
NEFT transfer charge

Branch

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

RBL Bank Revelio Savings Account, named Advantage/Revelio on the schedule only; NEFT outward through a branch, which the schedule states is free for this product. The standard branch tariff on the same schedule does not apply to it.

Official source (PDF)

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

RBL Bank Limited
RBL Bank Limited

Seniors First Savings Account

CHECKED
NEFT transfer charge

General

₹0 (Free)

Verified 15 Aug 2026Official source

When this charge applies

RBL Bank Seniors First Savings Account only. Current official eligibility requires the applicant to be an Indian national aged 60 years or above. The page states free and unlimited IMPS/NEFT/RTGS/ATM transactions without a channel qualifier, so no channel is inferred here.

Official source (HTML)

Checked 2026-08-15

RBL Bank Limited
RBL Bank Limited

Seniors First Savings Account

CHECKED
NEFT transfer charge

Branch

₹0 (Free)

Verified 5 Sept 2026Official source

When this charge applies

RBL Bank Seniors First Savings Account only; NEFT outward through a branch, which the schedule states is free for this product. The standard branch tariff on the same schedule does not apply to it.

Official source (PDF)

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

State Bank of India
State Bank of India

Retail Banking Service Charges

CHECKED
NEFT transfer charge

Branch

Up to Rs 10,000: ₹2.00 · Above Rs 10,000 and up to Rs 1 lakh: ₹4.00 · Above Rs 1 lakh and up to Rs 2 lakh: ₹12.00 · Above Rs 2 lakh: ₹20.00

Verified 9 Aug 2026Official source

When this charge applies

SBI Branch Channel. Current account variants Gold, Diamond, Platinum, Rhodium and listed government/defence categories have the waiver described on the official FAQ; this base rule does not flatten those exemptions.

Official source (HTML)

Checked 2026-08-09

South Indian Bank Limited
South Indian Bank Limited

SB NRO Gold Savings Account

CHECKED
NEFT transfer charge

General

₹0 (Free)

Verified 15 Aug 2026Official source

When this charge applies

South Indian Bank SB NRO Gold Savings Account only. The official product page states modified features applicable from 01-Sep-2023, including free and unlimited NEFT/RTGS. No broader savings-account or channel scope is inferred.

Official source (HTML)

Checked 2026-08-15 · Effective 2023-09-01

UCO Bank
UCO Bank

Retail Banking Service Charges

CHECKED
NEFT transfer charge

General

Up to Rs 10,000: ₹2.25 · Above Rs 10,000 to Rs 1 lakh: ₹4.75 · Above Rs 1 lakh to Rs 2 lakh: ₹14.75 · Above Rs 2 lakh: ₹24.75

Verified 5 Sept 2026Official source

When this charge applies

UCO Bank outward NEFT. The savings-bank waiver for NEFT through net banking and mobile banking is published on its own channel rule from UCO's current schedule and is not folded into this base tariff. Charges are exclusive of GST.

Official source (PDF)

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

Union Bank of India
Union Bank of India

Elite Salary Account

CHECKED
NEFT transfer charge

General

₹0 (Free)

Verified 15 Aug 2026Official source

When this charge applies

Union Bank of India Elite Salary Account only. The current official page lists NEFT/RTGS/IMPS/Demand Draft as free. No channel or effective date is inferred beyond the exact current product benefit.

Official source (HTML)

Checked 2026-08-15

Frequently Asked Questions (NEFT charges)

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

Charges for neft 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 neft 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 neft charges altogether?

You can often reduce neft 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.