{"id":16612,"date":"2025-03-25T16:41:20","date_gmt":"2025-03-25T11:11:20","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=16612"},"modified":"2026-02-09T17:42:56","modified_gmt":"2026-02-09T12:12:56","slug":"hdfc-bank-neft-charges","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/","title":{"rendered":"HDFC Bank NEFT Charges 2026: Fees, Timings &#038; Limits"},"content":{"rendered":"<p dir=\"ltr\" data-line-height-align=\"1.38\"><a href=\"https:\/\/razorpay.com\/learn\/neft\/\">NEFT (National Electronic Funds Transfer)<\/a> is a simple and secure method of transferring funds electronically across banks in India. Within HDFC Bank, it is widely used for seamless transactions, catering to both individual and business needs.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The charges for NEFT transfers at HDFC depend on factors like the transaction amount and the method chosen, with offline transfers incurring charges based on the transaction amount, online NEFT transfers are completely free. Transfers can be easily executed through HDFC&#8217;s NetBanking mobile app, or offline at branches, ensuring convenience and accessibility for customers.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d1cc15d1aab\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d1cc15d1aab\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#NEFT-Fees-and-Charges-in-HDFC-Bank\" >NEFT Fees and Charges in HDFC Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#NEFT-Transfer-Limits-in-HDFC-Bank\" >NEFT Transfer Limits in HDFC Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#Features-of-HDFC-NEFT\" >Features of HDFC NEFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#Ways-to-Make-an-HDFC-NEFT-Transfer\" >Ways to Make an HDFC NEFT Transfer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#Steps-to-Transfer-Money-via-HDFC-NEFT\" >Steps to Transfer Money via HDFC NEFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#How-to-Transfer-Funds-from-HDFC-to-Another-Bank-Using-NEFT\" >How to Transfer Funds from HDFC to Another Bank Using NEFT?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#How-to-Increase-the-NEFT-Limit-in-HDFC-Bank\" >How to Increase the NEFT Limit in HDFC Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#How-to-Pay-Credit-Card-Bills-Using-HDFC-NEFT\" >How to Pay Credit Card Bills Using HDFC NEFT?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#Information-Needed-for-an-NEFT-Transaction\" >Information Needed for an NEFT Transaction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#How-to-Do-NEFT-Transactions-Offline\" >How to Do NEFT Transactions Offline?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#NEFT-Timings-for-HDFC-Bank\" >NEFT Timings for HDFC Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#Advantages-of-Using-HDFC-NEFT\" >Advantages of Using HDFC NEFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#Reasons-to-Choose-HDFC-NEFT\" >Reasons to Choose HDFC NEFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#Limitations-of-HDFC-NEFT\" >Limitations of HDFC NEFT<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/razorpay.com\/learn\/hdfc-bank-neft-charges\/#Frequently-Asked-Questions-FAQs\" >Frequently Asked Questions (FAQs):<\/a><\/li><\/ul><\/nav><\/div>\n<h2 dir=\"ltr\" data-line-height-align=\"1.8\" data-pm-slice=\"1 4 []\"><span class=\"ez-toc-section\" id=\"NEFT-Fees-and-Charges-in-HDFC-Bank\"><\/span>NEFT Fees and Charges in HDFC Bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">HDFC Bank <a href=\"https:\/\/razorpay.com\/learn\/neft-payment-charges-method\/\">NEFT charges<\/a> vary based on how you initiate the transaction (online or through a branch) and the transfer amount. Below are the key fees and charges:<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">NEFT Charges for Online Transactions:<\/p>\n<ul>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Free of Cost: NEFT transactions done online have been free since 1st November 2017.<\/li>\n<\/ul>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">NEFT Charges for Branch Transactions:<\/p>\n<table dir=\"ltr\">\n<tbody>\n<tr>\n<td>\n<h3 dir=\"ltr\" style=\"text-align: center;\" data-node-text-align=\"center\" data-line-height-align=\"1.38\">Transaction Amount<\/h3>\n<\/td>\n<td>\n<h3 dir=\"ltr\" style=\"text-align: center;\" data-node-text-align=\"center\" data-line-height-align=\"1.38\">NEFT Charges (Excluding GST)<\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Up to \u20b91,00,000<\/p>\n<\/td>\n<td>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">\u20b92 + Applicable <a href=\"https:\/\/razorpay.com\/learn\/gst-goods-and-services-tax-guide\/\">GST<\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Above \u20b91,00,000<\/p>\n<\/td>\n<td>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">\u20b910 + Applicable GST<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\" data-pm-slice=\"1 4 []\"><span class=\"ez-toc-section\" id=\"NEFT-Transfer-Limits-in-HDFC-Bank\"><\/span>NEFT Transfer Limits in HDFC Bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table dir=\"ltr\">\n<tbody>\n<tr>\n<td data-colwidth=\"211\">\n<h3 dir=\"ltr\" style=\"text-align: center;\" data-node-text-align=\"center\" data-line-height-align=\"1.2\">Category<\/h3>\n<\/td>\n<td style=\"text-align: center;\" data-colwidth=\"113\">\n<h3 dir=\"ltr\" data-node-text-align=\"center\" data-line-height-align=\"1.2\">Per Transaction Limit<\/h3>\n<\/td>\n<td style=\"text-align: center;\" data-colwidth=\"105\">\n<h3 dir=\"ltr\" data-node-text-align=\"center\" data-line-height-align=\"1.2\">Per Day Limit<\/h3>\n<\/td>\n<td>\n<h3 dir=\"ltr\" style=\"text-align: center;\" data-node-text-align=\"center\" data-line-height-align=\"1.2\">Details<\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td data-colwidth=\"211\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">New Beneficiary (First-Time Transfer)<\/p>\n<\/td>\n<td data-colwidth=\"113\">\n<p data-line-height-align=\"1.2\">\u20b950,000<\/p>\n<\/td>\n<td data-colwidth=\"105\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">\u20b950,000 (for the first 24 hours)<\/p>\n<\/td>\n<td>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">A security measure applies for new beneficiaries, capping both per transaction and daily limits at \u20b950,000.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-colwidth=\"211\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">Existing Individual Customers (Online)<\/p>\n<\/td>\n<td data-colwidth=\"113\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">\u20b92 lakh<\/p>\n<\/td>\n<td data-colwidth=\"105\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">\u20b950 lakh<\/p>\n<\/td>\n<td>\n<p dir=\"ltr\" data-line-height-align=\"1.2\">Higher daily NEFT limits for existing customers through NetBanking and Mobile Banking.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-colwidth=\"211\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">Branch-Based NEFT Transfers<\/p>\n<\/td>\n<td data-colwidth=\"113\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">No fixed limit<\/p>\n<\/td>\n<td data-colwidth=\"105\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">No fixed limit (account balance dependent)<\/p>\n<\/td>\n<td>\n<p dir=\"ltr\" data-line-height-align=\"1.2\">For offline NEFT transfers, larger amounts may require prior approval or verification.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td data-colwidth=\"211\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">Corporate Customers (eNet)<\/p>\n<\/td>\n<td data-colwidth=\"113\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">Customised<\/p>\n<\/td>\n<td data-colwidth=\"105\">\n<p dir=\"ltr\" data-line-height-align=\"1.2\">Customised<\/p>\n<\/td>\n<td>\n<p dir=\"ltr\" data-line-height-align=\"1.2\">Corporate accounts have tailored NEFT limits to accommodate bulk or high-value transfers.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 dir=\"ltr\" data-line-height-align=\"1.8\"><span class=\"ez-toc-section\" id=\"Features-of-HDFC-NEFT\"><\/span>Features of HDFC NEFT<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">1. Fast and Paperless<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.8\">HDFC Bank\u2019s NEFT system ensures quick fund transfers with minimal processing time. When done online via NetBanking or Mobile Banking, the process is entirely paperless, saving you time and effort.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">2. Affordable Charges<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.8\">NEFT charges at HDFC Bank are affordable, especially for small-value transactions. Online NEFT transactions are free, while branch-based transactions have nominal fees based on the transaction amount, making it cost-effective for users.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">3. Free Online Transactions<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.8\">One of the biggest benefits of HDFC NEFT is that online NEFT transfers (via HDFC NetBanking and Mobile Banking) are completely free. You can transfer money 24&#215;7 without incurring any charges.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">4. Pay Credit Card Bills<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.8\">HDFC Bank\u2019s NEFT service allows you to pay not just HDFC credit card bills but also credit card bills of any other bank. By adding the credit card number as the beneficiary account number and providing the relevant IFSC code, you can conveniently clear your dues via NEFT, making payments quick and hassle-free.<\/p>\n<p dir=\"ltr\" data-line-height-align=\"1.8\">These features make HDFC NEFT a reliable, fast, and secure way to manage your banking transactions, whether you\u2019re sending money, making payments, or settling bills.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Ways-to-Make-an-HDFC-NEFT-Transfer\"><\/span>Ways to Make an HDFC NEFT Transfer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\">1. Using Internet Banking<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">HDFC Bank\u2019s NetBanking platform allows you to make NEFT transfers from the comfort of your home. Simply log in, add the beneficiary, and initiate the transfer in just a few clicks. This method is free, fast, and paperless.<\/p>\n<h3 dir=\"ltr\">2. Through Mobile Banking<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">The HDFC Mobile Banking app provides a user-friendly way to make NEFT transfers on the go. You can add beneficiaries, track transactions, and initiate transfers anytime, anywhere. Like Internet Banking, NEFT transfers via the app are free and seamless.<\/p>\n<h3 dir=\"ltr\">3. Visiting a Branch<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">If you prefer in-person banking, you can visit the nearest HDFC Bank branch to make an NEFT transfer. Fill out the NEFT form with the required beneficiary details and submit it to the bank staff. This method is useful for those who may not be comfortable with digital banking.<\/p>\n<h3 dir=\"ltr\">4. Using eNet<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">HDFC Bank\u2019s eNet platform is designed for corporate and business customers. It enables bulk NEFT transactions, making it an ideal solution for businesses that need to transfer funds to multiple accounts efficiently.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Steps-to-Transfer-Money-via-HDFC-NEFT\"><\/span>Steps to Transfer Money via HDFC NEFT<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">HDFC NEFT transactions are simple to carry out, provided you meet some prerequisites. Ensure that you\u2019re registered for HDFC NetBanking and Third-Party Funds Transfer. Additionally, you must add a beneficiary before initiating a transfer. Below is a step-by-step guide on how to transfer money via HDFC NEFT:<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">Via Net Banking<\/h3>\n<h4 dir=\"ltr\">1. Add a Beneficiary<\/h4>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Log in to HDFC NetBanking with your Customer ID and Password.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Click on the \u2018Funds Transfer\u2019 tab.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Select \u2018Add a Beneficiary\u2019 and choose \u2018Transfer to other bank\u2019.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Enter the beneficiary\u2019s account details or credit card number, along with the correct IFSC code.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Click \u2018Add\u2019, then confirm the details.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Complete the secure access authentication step and wait for the confirmation.<\/p>\n<p dir=\"ltr\" data-node-text-align=\"left\" data-line-height-align=\"1.38\">Note: A newly added beneficiary can receive up to \u20b950,000 within the first 24 hours. Also, you can add up to four beneficiaries per day.<\/p>\n<\/li>\n<\/ul>\n<h4 dir=\"ltr\">2. Transfer funds through NEFT<\/h4>\n<ul dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Go to the \u2018Funds Transfer\u2019 section and select \u2018Transfer to other bank (NEFT)\u2019.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Choose the account you wish to transfer funds from, select the beneficiary, and enter the transfer amount.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Agree to the terms and conditions.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Verify the transaction details and confirm the transfer.<\/p>\n<\/li>\n<\/ul>\n<h3 dir=\"ltr\" data-line-height-align=\"1.8\">Via Mobile Banking<\/h3>\n<ol dir=\"ltr\">\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Open the HDFC MobileBanking app and log in.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Access the menu and tap on \u2018Pay\u2019, followed by \u2018Money Transfer\u2019.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Select \u2018Add New Payee\u2019 and choose the transfer type (Bank Account or Credit Card).<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Enter the payee\u2019s details, including the IFSC code, and double-check the information.<\/p>\n<\/li>\n<li>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Tap \u2018Add\u2019, confirm, and proceed with the fund transfer.<\/p>\n<\/li>\n<\/ol>\n<h2 dir=\"ltr\" data-line-height-align=\"1.8\"><span class=\"ez-toc-section\" id=\"How-to-Transfer-Funds-from-HDFC-to-Another-Bank-Using-NEFT\"><\/span>How to Transfer Funds from HDFC to Another Bank Using NEFT?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">To initiate a transfer to another bank, the first step is to ensure that the beneficiary is added and activated in your NetBanking account. If you haven\u2019t done this yet, follow the steps mentioned in the above section to add a beneficiary. Once the beneficiary is added, proceed with the following steps:<\/p>\n<ol>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Access your HDFC NetBanking account using your Customer ID and Password.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Navigate to the \u2018Funds Transfer\u2019 section and choose \u2018Transfer to other bank (NEFT)\u2019.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Choose the HDFC account from which you want to transfer funds and select the beneficiary.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Input the transfer amount and any additional remarks (optional).<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Accept the terms and conditions and review the details.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Click \u2018Confirm\u2019 to initiate the NEFT transaction. You will receive a confirmation message once the transfer is successfully processed.<\/li>\n<\/ol>\n<h2 dir=\"ltr\" data-line-height-align=\"1.8\"><span class=\"ez-toc-section\" id=\"How-to-Increase-the-NEFT-Limit-in-HDFC-Bank\"><\/span>How to Increase the NEFT Limit in HDFC Bank?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">You can increase your NEFT transaction limit in HDFC Bank either online or by visiting a branch.<\/p>\n<h3 dir=\"ltr\">Online Method (NetBanking)<\/h3>\n<ol>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Log in to HDFC NetBanking using your User ID and password.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Click on the \u201cFunds Transfer\u201d tab and select \u201cModify TPT Limit\u201d or \u201cCustomise Transfer Limit.\u201d<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Set your new NEFT transfer limit, up to a maximum of \u20b950 lakh.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Note: Senior citizens above 70 years can increase the limit online only up to \u20b910 lakh. For higher limits, they need to visit a branch.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Authenticate the request using your Debit Card details and One-Time Password (OTP) sent to your registered mobile number.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Save the changes, and your updated transfer limit will be applied instantly.<\/li>\n<\/ol>\n<h3 dir=\"ltr\">Branch Method<\/h3>\n<ol>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Visit the nearest HDFC Bank branch.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Carry a valid photo ID proof.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Request and fill out the TPT Limit Increase Form.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Submit the signed form to the bank staff.<\/li>\n<\/ol>\n<h2 dir=\"ltr\" data-line-height-align=\"1.8\"><span class=\"ez-toc-section\" id=\"How-to-Pay-Credit-Card-Bills-Using-HDFC-NEFT\"><\/span>How to Pay Credit Card Bills Using HDFC NEFT?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Access your HDFC NetBanking account with your Customer ID and Password.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Add a Beneficiary (if not already added):<\/li>\n<\/ol>\n<ul>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Navigate to the \u2018Funds Transfer\u2019 tab and click \u2018Add a Beneficiary\u2019.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Choose \u2018Transfer to other bank\u2019 and enter your credit card number as the beneficiary account number.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Provide the bank name and IFSC code (obtained from the credit card issuing bank).<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Click \u2018Add\u2019, complete the secure access step, and wait for beneficiary activation.<\/li>\n<\/ul>\n<ol>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Once the beneficiary is activated, go to \u2018Funds Transfer\u2019 and select \u2018Transfer to other bank (NEFT)\u2019.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Choose your account, select the credit card as the beneficiary, and input the billing amount.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Agree to the terms and conditions and review the transaction details.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.8\">Click \u2018Confirm\u2019 to complete the payment.<\/li>\n<\/ol>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Information-Needed-for-an-NEFT-Transaction\"><\/span>Information Needed for an NEFT Transaction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">To complete an NEFT transaction with HDFC Bank, you need to provide the following essential details:<\/p>\n<ul>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Recipient\u2019s Name:<\/strong> The name of the beneficiary as per their bank account.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Recipient\u2019s Account Number:<\/strong> The <a href=\"https:\/\/razorpay.com\/learn\/bank-account-number\/\">bank account number<\/a> where the funds will be transferred.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Recipient\u2019s Account Type:<\/strong> The type of account (Savings, Current, etc.).<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>IFSC Code:<\/strong> The unique 11-digit Indian Financial System Code (IFSC) of the recipient\u2019s bank branch.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Transfer Amount:<\/strong> The exact amount you wish to transfer.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\"><strong>Purpose of Transfer (Optional):<\/strong> You may also mention the reason for the fund transfer (e.g., payment for services, bill payments, etc.).<\/li>\n<\/ul>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"How-to-Do-NEFT-Transactions-Offline\"><\/span>How to Do NEFT Transactions Offline?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Go to any HDFC Bank branch during banking hours.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Provide the required details, such as:<\/li>\n<\/ol>\n<ul>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Amount to be transferred<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Beneficiary bank name<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Beneficiary name and account number<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">IFSC code of the destination bank branch<\/li>\n<\/ul>\n<ol>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Ensure that the form is signed by the authorised signatory\/signatories (if applicable).<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Submit a cheque for the amount to be transferred. Ensure the cheque is correctly filled out.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">Hand over the completed NEFT form and cheque to the bank representative.<\/li>\n<li dir=\"ltr\" data-line-height-align=\"1.38\">The bank will process the NEFT transaction, and the funds will be transferred to the beneficiary\u2019s account.<\/li>\n<\/ol>\n<h2 dir=\"ltr\" data-line-height-align=\"1.8\"><span class=\"ez-toc-section\" id=\"NEFT-Timings-for-HDFC-Bank\"><\/span>NEFT Timings for HDFC Bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">1. Online Transactions<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">HDFC Bank NEFT transactions made via NetBanking and Mobile Banking are available 24&#215;7, 365 days. You can initiate a transfer anytime, and the funds will be settled in batches as per RBI\u2019s NEFT clearing cycles.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">2. Branch Transactions<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Branch-based NEFT transactions can be processed only during the branch\u2019s working hours, typically from 9:30 AM to 5:30 PM on weekdays. Timings may vary depending on the specific branch and location.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Advantages-of-Using-HDFC-NEFT\"><\/span>Advantages of Using HDFC NEFT<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\">1. Speedy Transactions<\/h3>\n<p dir=\"ltr\">HDFC NEFT allows you to transfer money quickly within the same day, provided you make the transfer during NEFT operating hours. This makes it convenient for those who need to send funds urgently without any delays.<\/p>\n<h3 dir=\"ltr\">2. Low-Cost Transfers<\/h3>\n<p dir=\"ltr\">NEFT transactions through HDFC Bank are affordable. Branch-based NEFT transfers have minimal charges, while online NEFT transactions via NetBanking and Mobile Banking are free. This makes it a budget-friendly option for transferring money.<\/p>\n<h3 dir=\"ltr\">3. Convenience<\/h3>\n<p dir=\"ltr\">You can transfer funds easily from the comfort of your home using HDFC Bank\u2019s NetBanking or Mobile Banking services. This saves you time and effort, as there\u2019s no need to visit the bank for every transaction.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Reasons-to-Choose-HDFC-NEFT\"><\/span>Reasons to Choose HDFC NEFT<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\">1. 24&#215;7 Availability for Online Transactions<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Unlike traditional <a href=\"https:\/\/razorpay.com\/blog\/different-types-of-payment-methods\/\">payment methods<\/a>, NEFT is available round the clock via HDFC NetBanking and Mobile Banking. You can transfer funds anytime, even on weekends and public holidays, ensuring uninterrupted banking.<\/p>\n<h3 dir=\"ltr\">2. Secure and Reliable Transactions<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">HDFC NEFT is backed by RBI-regulated protocols, providing a high level of security and reliability. Transactions are processed through encrypted channels, ensuring your money reaches the intended recipient safely.<\/p>\n<h3 dir=\"ltr\">3. Cost-Effective<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">With affordable charges and free online NEFT transfers, HDFC Bank makes it economical to send money to other banks. This is particularly beneficial for regular users and small business owners.<\/p>\n<h3 dir=\"ltr\">4. Multiple Access Points<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">You can initiate NEFT transfers via NetBanking, Mobile Banking, or by visiting an HDFC branch. This flexibility makes it convenient for users with different banking preferences.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Limitations-of-HDFC-NEFT\"><\/span>Limitations of HDFC NEFT<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\">1. Limited Hours for Transactions<\/h3>\n<p dir=\"ltr\">NEFT transactions are only processed during the Reserve Bank of India\u2019s (RBI) working hours. If you make a transfer after these hours, your transaction will only be completed the next day during the next NEFT settlement window.<\/p>\n<h3 dir=\"ltr\">2. Daily Transfer Limit<\/h3>\n<p dir=\"ltr\">HDFC Bank\u2019s NEFT transactions are subject to a daily transfer limit based on the customer\u2019s TPT (Third-Party Transfer) limit. This limit generally allows fund transfers of up to \u20b950 lakhs per day.<\/p>\n<h3 dir=\"ltr\">3. No Service During Non-Working Hours<\/h3>\n<p dir=\"ltr\">NEFT services don\u2019t work after regular banking hours or on bank holidays, such as weekends, or public holidays. This means that if you make a transfer at these times, the money will only be transferred on the next working day.<\/p>\n<h3 dir=\"ltr\">4. Restrictions for New Beneficiaries<\/h3>\n<p dir=\"ltr\">HDFC Bank imposes a restriction on fund transfers to new beneficiaries. For the first 24 hours after adding a beneficiary, you can only transfer up to \u20b950,000. This restriction is in place for security purposes and helps prevent fraudulent transactions.<\/p>\n<h2 dir=\"ltr\" data-line-height-align=\"1.38\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-FAQs\"><\/span>Frequently Asked Questions (FAQs):<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"ltr\" data-line-height-align=\"1.38\">1. Do I need to add a beneficiary to transfer funds via NEFT in HDFC Bank?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Yes, adding a beneficiary is mandatory for transferring funds via NEFT in HDFC Bank.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.8\">2. Can NEFT transactions be cancelled or reversed?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">NEFT transactions cannot be reversed once processed. However, if you act immediately after initiating the transfer, you may request cancellation by contacting HDFC Bank\u2019s customer care or visiting a branch, providing transaction details, and submitting a written request.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.8\">3. Are NEFT transactions in HDFC Bank safe?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">Yes, NEFT transactions with HDFC Bank are considered safe since they follow RBI-regulated protocols, ensuring secure and reliable fund transfers.<\/p>\n<h3 dir=\"ltr\" data-line-height-align=\"1.8\">4. Can NEFT be done without an HDFC Bank account?<\/h3>\n<p dir=\"ltr\" data-line-height-align=\"1.38\">No, you need to have an HDFC Bank account to initiate NEFT transactions via NetBanking or Mobile Banking. However, you can visit an HDFC Bank branch and request an NEFT transaction even if you don\u2019t have an account, provided you comply with the branch\u2019s NEFT process and guidelines.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>NEFT (National Electronic Funds Transfer) is a simple and secure method of transferring funds electronically across banks in India. Within HDFC Bank, it is widely used for seamless transactions, catering to both individual and business needs. The charges for NEFT transfers at HDFC depend on factors like the transaction amount and the method chosen, with<\/p>\n","protected":false},"author":151156612,"featured_media":16991,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[4247,1509,3854],"class_list":{"0":"post-16612","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-hdfc-neft-charges","9":"tag-neft","10":"tag-neft-charges"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/16612","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156612"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=16612"}],"version-history":[{"count":5,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/16612\/revisions"}],"predecessor-version":[{"id":18838,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/16612\/revisions\/18838"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/16991"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=16612"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=16612"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=16612"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}