HDFC NEFT Charges, Transfer Timings, Limit Per Day & How To Increase Limit?

NEFT, or National Electronic Funds Transfer, is an RBI-regulated method for transferring funds electronically between bank accounts. The transfer can take place online or through bank branches. HDFC Bank allows for the transfer through NEFT, which takes place in batches and is completed within 30 minutes.

Key Highlights

• Online Transactions: NEFT via HDFC NetBanking or mobile app is completely free of charge, available 24×7, 365 days.
• Branch NEFT Charges: Four-slab fee structure ranging from ₹2 to ₹24 + GST (revised August 2025), with discounted rates for senior citizens
• Daily Transfer Limit: Up to ₹50 lakh per day, subject to your Third-Party Transfer (TPT) limit
• Credit Time: Digital NEFT transactions are typically credited within 30 minutes as per RBI settlement batches

HDFC Bank NEFT Charges 2026

NEFT charges with HDFC are free for online transactions via net banking or the mobile app. However, for offline transactions at an HDFC Bank branch, revised charges apply as per HDFC Bank's official fee revision effective from August 1, 2025:

HDFC Account NEFT Limit 

The HDFC NEFT transfer limit is discussed in detail below:

• Daily limit: The NEFT transaction limit depends on the account holder’s Third-Party Transfer (TPT) limit, 
• Cap on transfers to new beneficiaries: Only ₹50,000 can be transferred in the first 24 hours of adding a new beneficiary; max 4 beneficiaries can be added per day

How to Increase NEFT Limit in HDFC?

You can opt to increase your NEFT limit by using the bank’s net banking facility. The steps to follow are discussed below:

Step 1: Visit the online portal of HDFC Bank and log in with your customer ID and password.

Step 2: Go to the ‘Funds Transfer’ tab.

Step 3: Under the ‘Request’ section, choose ‘Modify TPT Limit’.

Step 4: Click ‘Increase’ or ‘Decrease’ to set your preferred limit from the drop-down.

Step 5: Confirm the decision with your card details.

Step 6: An OTP will be sent to your phone. Enter the OTP to finish the process.

How to Change NEFT Limit in HDFC?

HDFC Bank allows customers to increase or change their NEFT limit through both online and offline modes. To change the limit online, follow the steps mentioned earlier.

For offline mode, visit the nearest HDFC Bank branch and request the TPT Limit Increase form to increase your NEFT limit. Fill out the form and submit it along with a valid ID proof.

HDFC NEFT Transfer Time

NEFT done through net banking or mobile banking is available 24×7 throughout the year. The amount is credited based on RBI settlement batches.

If you initiate NEFT online, the money is usually credited within about 30 minutes. For transactions done at a bank branch or those falling in late batches, the credit may happen on the next working day.

How To Transfer Through HDFC NEFT Pathway?

To transfer money using the NEFT Pathway for your HDFC Bank account, you can follow this step-by-step guideline:

Step 1: Log-in to your HDFC Netbanking Account

Step 2: Go to the ‘Fund Transfer’ tab and click on ‘Add Beneficiary’.

Step 3: Select ‘Transfer to another bank’ for beneficiary type.

Step 4: Enter the bank details of the beneficiary, such as IFSC code, account number, etc.

Step 5: Click on ‘Confirm’. This will complete the addition of the beneficiary.

Step 6: Visit the ‘Fund Transfer’ tab and choose the ‘Transfer to Other Bank (NEFT)’ option.

Step 7: Enter the relevant account details of the beneficiary and agree to the ‘Terms and Conditions’.

Step 8: Review the details and click on ‘Confirm’ to finish the process.

HDFC Bank NEFT is free for all online transactions via Net Banking or the mobile app, with offline branch charges ranging from ₹2 to ₹24 + GST across four slabs revised in August 2025. The daily transfer limit goes up to ₹50 lakh, subject to the customer's TPT limit, which can be modified online or at the nearest HDFC Bank branch.

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