POLICY AND STANDARD OPERATING PROCEDURE (SOP) FOR VALUE-BASED LIMITS ON OUTWARD IMPS/RTGS/NEFT TRANSACTIONS FY 2026-27

 

Sr No

Descriptions

Type

Start Time

End Time

MAX TXN Per Account

MAX Amount Per TXN

MAX Amount Per Account

 

1

NEFT using Mobile App initiated by customer

Working Hour

08-00

20-00

10

5,00,000

5,00,000

 

2

NEFT using Mobile App initiated by customer

Non-Working Hours

20-01

07-59

10

2,00,000

2,00,000

 

3

NEFT using Mobile App initiated by customer

Holiday

00-00

23-59

10

2,00,000

2,00,000

 

4

IMPS using Mobile App initiated by customer

Working Hours

08-00

20-00

10

5,00,000

5,00,000

 

5

IMPS using Mobile App initiated by customer

Non-Working Hours

20-01

07-59

10

2,00,000

2,00,000

 

6

IMPS using Mobile App initiated by customer

Holiday

00-00

23-59

10

2,00,000

2,00,000

 

7

RTGS using Mobile App initiated by customer

Working Hours

08-00

20-00

10

5,00,000

5,00,000

 

8

RTGS using Mobile App initiated by customer

Non-Working Hours

20-01

07-59

10

2,00,000

2,00,000

 

9

RTGS using Mobile App initiated by customer

Holiday

00-00

23-59

10

2,00,000

2,00,000

 

16

*UPI transaction for Hospital & Education Society as per NPCI Guideline as on dated 1st August, 2024

Working Hours

00-00

23-59

10

5,00,000

5,00,000

 

 

 

 

 

17

*UPI transaction for Hospital & Education Society as per NPCI Guideline as on dated 1st August, 2024

Non-Working Hours

00-00

23-59

10

5,00,000

5,00,000

 

18

*UPI transaction for Hospital & Education Society as per NPCI Guideline as on dated 1st August, 2024

Holiday

00-00

23-59

10

5,00,000

5,00,000

 

19

UPI transaction for All Customers

Working Day

00-00

23-59

10

1,00,000

1,00,000

 

20

UPI transaction for All Customers

Non-Working Day

00-00

23-59

10

1,00,000

1,00,000

 

21

UPI transaction for All Customers

Holiday

00-00

23-59

10

1,00,000

1,00,000

 

28

Mobile Banking Addition of Beneficiary Account Cooling period

 

30 Minutes

Rs. 200000/- within 24 hours

 

29

Quick Pay through amount transfer

 

Rs. 50000/-