Yes – each holder has their own login and separate ₹5 lakh IMPS limit. But total combined transfers cannot exceed available balance.
IMPS is HDFC’s fastest mode (real-time, 24x7), but the ₹5 lakh daily cap is rigid. For amounts above ₹5 lakh, you must use RTGS (weekday daytime) or NEFT (batch). hdfc transfer limit
No. Minimum balance requirement for transfer is ₹1 plus applicable charges. Yes – each holder has their own login
Transaction fails with error: “Daily limit exhausted.” You can still use a different mode (e.g., if IMPS exhausted, try NEFT) or wait for next day (limits reset at 00:00 IST). Final Verdict: Practical Rule of Thumb | If you want to send… | Best mode | Max amount | |----------------------|-----------|-------------| | ₹1 – ₹50,000 | UPI | ₹1 lakh/day | | ₹50,000 – ₹5 lakh | IMPS | ₹5 lakh/day | | ₹5 lakh – ₹25 lakh (weekday 8 AM–6 PM) | RTGS via NetBanking | ₹25 lakh | | ₹5 lakh – ₹25 lakh (night/weekend) | NEFT (hourly batch) | ₹25 lakh | | Above ₹25 lakh | Branch RTGS | No limit (with docs) | For amounts above ₹5 lakh, you must use
If you regularly need > ₹5 lakh, request HDFC to enable "Corporate Limit" on your savings account – this raises RTGS to ₹1 crore via NetBanking (requires income proof > ₹50 lakh/year). This information is accurate as of April 2026. HDFC Bank may revise limits with RBI approval. Always check within your NetBanking dashboard before initiating large transfers.
Internal transfers do not count toward your NEFT/RTGS daily aggregate. You can send ₹25 lakh via IMPS + ₹25 lakh internal + ₹5 lakh UPI on the same day. 6. International Outward Remittance (Wire Transfer / SWIFT) | Channel | Per Transaction | Daily / Annual Limit | Documentation needed | |---------|----------------|----------------------|----------------------| | NetBanking (Remit) | $1 – $25,000 (or equivalent) | $25,000 per day; $250,000 per year (under LRS) | PAN, beneficiary bank details | | Branch (Form A2) | Above $25,000 | No daily cap, but within RBI LRS ($250,000/year) | Purpose code, invoice (if business) |
Yes – each holder has their own login and separate ₹5 lakh IMPS limit. But total combined transfers cannot exceed available balance.
IMPS is HDFC’s fastest mode (real-time, 24x7), but the ₹5 lakh daily cap is rigid. For amounts above ₹5 lakh, you must use RTGS (weekday daytime) or NEFT (batch).
No. Minimum balance requirement for transfer is ₹1 plus applicable charges.
Transaction fails with error: “Daily limit exhausted.” You can still use a different mode (e.g., if IMPS exhausted, try NEFT) or wait for next day (limits reset at 00:00 IST). Final Verdict: Practical Rule of Thumb | If you want to send… | Best mode | Max amount | |----------------------|-----------|-------------| | ₹1 – ₹50,000 | UPI | ₹1 lakh/day | | ₹50,000 – ₹5 lakh | IMPS | ₹5 lakh/day | | ₹5 lakh – ₹25 lakh (weekday 8 AM–6 PM) | RTGS via NetBanking | ₹25 lakh | | ₹5 lakh – ₹25 lakh (night/weekend) | NEFT (hourly batch) | ₹25 lakh | | Above ₹25 lakh | Branch RTGS | No limit (with docs) |
If you regularly need > ₹5 lakh, request HDFC to enable "Corporate Limit" on your savings account – this raises RTGS to ₹1 crore via NetBanking (requires income proof > ₹50 lakh/year). This information is accurate as of April 2026. HDFC Bank may revise limits with RBI approval. Always check within your NetBanking dashboard before initiating large transfers.
Internal transfers do not count toward your NEFT/RTGS daily aggregate. You can send ₹25 lakh via IMPS + ₹25 lakh internal + ₹5 lakh UPI on the same day. 6. International Outward Remittance (Wire Transfer / SWIFT) | Channel | Per Transaction | Daily / Annual Limit | Documentation needed | |---------|----------------|----------------------|----------------------| | NetBanking (Remit) | $1 – $25,000 (or equivalent) | $25,000 per day; $250,000 per year (under LRS) | PAN, beneficiary bank details | | Branch (Form A2) | Above $25,000 | No daily cap, but within RBI LRS ($250,000/year) | Purpose code, invoice (if business) |