IMPS Timing & Availability
IMPS is available 24 hours a day, 7 days a week, 365 days a year — including bank holidays, Sundays, and national holidays.
24×7
IMPS is available 365 days a year
Including bank holidays, Sundays, 2nd & 4th Saturdays
IMPS vs NEFT Timing
Key DifferenceUnlike NEFT which has batch settlement windows, IMPS settles in real-time. Each IMPS transaction completes within seconds. NEFT transfers initiated after banking hours are processed next banking day.
IMPS vs RTGS Timing
Key DifferenceRTGS is also real-time, but has operating hours (typically 7 AM – 6 PM on banking days) and a minimum ₹2 lakh transaction limit. IMPS works for any amount and any time.
Bank Maintenance Windows
Practical NoteWhile IMPS is technically 24×7, your bank may have brief maintenance windows (typically 12 AM – 2 AM) during which IMPS transactions from that bank's app may be temporarily unavailable.
Credit to Beneficiary
NPCI RuleBeneficiary account receives funds in real-time (within a few seconds to minutes). NPCI mandates real-time credit — there is no end-of-day processing like NEFT.
Source: NPCI IMPS Product Overview . IMPS availability subject to your bank's system maintenance windows.