How to Transfer Money Using HDFC Bank NEFT or IMPS:- Both these systems allow safe, quick, and efficient money transfers directly from your HDFC account to another bank account. In this detailed guide, we will walk you through how to send money using NEFT or IMPS through HDFC Bank—step-by-step, with screenshots, tips, FAQs, and all the latest updates for 2025.
Table of Contents
🔍 What is NEFT?
NEFT (National Electronic Funds Transfer) is a nationwide payment system maintained by the Reserve Bank of India (RBI) that facilitates one-to-one money transfers from any bank to any bank within India.
🔹 Key Highlights:
- Operates 24×7, including weekends and holidays
- Settlements are processed in half-hourly batches
- Ideal for regular bank-to-bank transfers
🔍 What is IMPS?
IMPS (Immediate Payment Service) is a real-time electronic fund transfer service that is available 24×7, even on public holidays.
🔹 Key Highlights:
- Instant money transfer
- Works even at night or on holidays
- Available through NetBanking, Mobile Banking, and ATMs
🔍 NEFT vs IMPS – Key Differences
| Feature | NEFT | IMPS |
|---|---|---|
| Settlement | Half-hourly batch | Real-time |
| Availability | 24×7 | 24×7 |
| Minimum Amount | No minimum limit | ₹1 |
| Maximum Amount | No fixed cap (depends on mode) | ₹5 lakhs per transaction |
| Ideal For | Large or scheduled transfers | Urgent or small transfers |
| Charges (2025) | Free (within limits) | May have nominal charges |
✅ 4. Prerequisites for Using NEFT or IMPS via HDFC Bank
Before you initiate any transfer using NEFT or IMPS from your HDFC account, make sure you have:
- An active HDFC Bank savings or current account
- NetBanking or Mobile Banking access enabled
- Registered mobile number with the bank
- Beneficiary details like:
- Name
- Bank Name
- Account Number
- IFSC Code (for NEFT)
- MMID or Mobile No. (for IMPS via mobile)
🧾 How to Add a Beneficiary in HDFC Bank
Before you transfer funds using NEFT or IMPS, you need to add and approve the beneficiary How to Transfer Money Using HDFC Bank NEFT or IMPS.
👨💻 Via NetBanking:
- Login to HDFC NetBanking at https://netbanking.hdfcbank.com
- Navigate to Funds Transfer > Request > Add a Beneficiary
- Choose Transfer Type: NEFT/IMPS
- Fill in the beneficiary details
- Confirm the OTP sent to your registered mobile
- The beneficiary will be activated within 30 minutes to 12 hours
💸 How to Transfer Money Using NEFT in HDFC Bank (2025 Guide)
Once your beneficiary is added, follow these steps to use NEFT How to send money using NEFT or IMPS:
✅ NetBanking Method:
- Login to HDFC NetBanking
- Go to Funds Transfer > Transfer to Other Bank via NEFT
- Select the beneficiary from the list
- Enter:
- Amount
- Remarks (optional)
- Date (if scheduling)
- Click on Continue
- Verify the details and click on Confirm
- Enter OTP received on your mobile and submit
🎉 Your NEFT transfer is complete!
📱 How to Transfer Money Using IMPS in HDFC Bank (2025 Guide)
IMPS transfers are best for urgent payments. Here’s how to use it:
✅ Using HDFC MobileBanking App:
- Open the HDFC Bank Mobile App
- Go to Pay > IMPS Transfer
- Select Registered Beneficiary
- Choose Transfer Type: Account number or Mobile+MMID
- Enter amount and remarks
- Tap on Submit
- Enter your 4-digit PIN or fingerprint
- Payment gets processed instantly
💥 You’ll receive SMS and email confirmation in seconds!
💰 NEFT and IMPS Charges in HDFC Bank (Updated for 2025)
| Amount Range | NEFT Charges | IMPS Charges |
|---|---|---|
| Up to ₹10,000 | ₹0 (free) | ₹2.5 + GST |
| ₹10,001 – ₹1 lakh | ₹0 (free) | ₹5 + GST |
| ₹1 lakh – ₹2 lakhs | ₹0 (free) | ₹15 + GST |
| Above ₹2 lakhs | ₹0 (free) | ₹20 + GST |
Note: HDFC often waives NEFT/IMPS charges for preferred customers. Always check your account type.
⏱️ Transfer Limits and Timings
- NEFT: No lower or upper limit. Transfers done 24×7 in batches.
- IMPS: Up to ₹5 lakhs per transaction. Real-time, any time.
Tip: For higher value urgent transactions, use NEFT. For small, instant transfers, IMPS is best.
🆚 HDFC NetBanking vs Mobile Banking: Which is Better?
| Feature | NetBanking | Mobile App |
|---|---|---|
| Ease of Use | Best for desktop users | Great for on-the-go use |
| Beneficiary Management | More detailed | Faster with limited options |
| Transaction Speed | Moderate | Fast and intuitive |
| Security | OTP + Password | Biometric + PIN + OTP |
Verdict: Use NetBanking for setting up new beneficiaries and large transfers. Use Mobile App for quick and recurring payments.
🔐 Safety Tips for Online Money Transfers
- Always use official HDFC platforms (not third-party apps).
- Never share your OTP, password, or PIN with anyone.
- Enable 2-factor authentication.
- Keep your mobile banking app updated.
- Use biometric lock on your mobile.
- Avoid logging in on public Wi-Fi networks.
❓ Frequently Asked Questions (FAQs)
🔸 Q1: Can I cancel a NEFT or IMPS transfer?
NEFT: Only if it’s scheduled and pending.
IMPS: No—it’s instant and irreversible.
🔸 Q2: What to do if my IMPS transfer fails?
Amount is usually refunded instantly or within 24 hours.
🔸 Q3: Is there a charge for adding a beneficiary?
No, adding beneficiaries is completely free.
🔸 Q4: Can I use HDFC PayZapp for NEFT or IMPS?
No. Use NetBanking or MobileBanking App for these services.
🔸 Q5: What if I entered the wrong IFSC code?
Transaction may fail or go to the wrong account. Double-check details before confirming.
✅ Conclusion
In 2025, transferring money using HDFC Bank NEFT or IMPS is simpler, faster, and safer than ever before. Whether you’re paying your landlord, sending money to a friend, or handling business payments, HDFC’s digital services ensure seamless banking at your fingertips.
By following the step-by-step methods shared above, you can complete your fund transfers in minutes—without visiting a branch or ATM. Just make sure your internet connection is secure, your beneficiary details are correct, and your phone number is linked with your account for OTP-based authentication.
Banking has gone digital—so should you. Use HDFC’s NEFT and IMPS services smartly and stay ahead in the digital India movement. 💼💳📱
