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

NEFT (National Electronic Funds Transfer) is a key electronic payment method introduced by RBI to simplify fund transfers for individuals and businesses. It can be initiated online and offline, making it accessible for all users. HDFC Bank offers the NEFT facility to its customers, though keep in mind that NEFT transactions are processed in half-hourly batches, not instantly. This article will cover HDFC Bank NEFT charges and guide you on how to use NEFT for transferring money to other bank accounts.

HDFC Bank NEFT Charges 2025

NEFT charges with HDFC are free for online transactions via net banking or the mobile app. However, for offline transactions conducted by visiting an HDFC Bank branch, NEFT charges apply as per the following norms:

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, with a maximum transaction value of up to Rs. 50 lakh per day.
• Cap on transfers to new beneficiaries: For security reasons, during the first 24 hours of adding a new beneficiary, you can send only up to Rs. 50,000 to the beneficiary.

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.

Please note, the TPT limit can only be reduced to a minimum of Rs. 10,002.

HDFC NEFT Transfer Time

NEFT transactions usually take a couple of hours. Sometimes, it may take a day or two.

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.

Please note that during the first 24 hours of adding a new beneficiary, you can transfer funds only up to Rs. 50,000.

This article has covered the key aspects of HDFC Bank NEFT charges. You can transfer money to other banks without visiting your nearest branch. The NEFT transaction fees are minimal, and you can set your TPT limit based on your transaction needs. Overall, it is a fast, efficient, and available 24/7 throughout the year.

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