IMPS — Immediate Payment Service
Real-time interbank money transfer — 24×7, 365 days. IMPS works on mobile number + MMID or account number + IFSC. Instant credit to beneficiary.
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IMPS Limits
Per-transaction limits
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IMPS Charges
Bank-wise IMPS fees
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IMPS Timing
Availability & timings
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Statistics
NPCI monthly data
Availability
24×7, 365 days — including weekends and holidays. IMPS does not have NEFT-style batch windows.
Transaction Limit (Standard)
Up to ₹5 lakh per transaction (most banks). RBI raised the limit; individual bank limits may be lower.
Payment Modes
Mobile + MMID (Mobile Money Identifier) or Account Number + IFSC. Beneficiary receives funds in real-time.
Charges
Varies by bank. Online IMPS is typically ₹0–₹25 per transaction for small amounts. GST applicable. Check your bank's Schedule of Charges.
Source: NPCI IMPS Overview and official NPCI IMPS statistics. Limits and charges are indicative — verify with your bank before transacting.