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.
No. Minimum balance requirement for transfer is ₹1 plus applicable charges. hdfc transfer limit
If you have a HDFC Savings Max or Preferred account , you can call phone banking and raise a temporary IMPS limit to ₹10 lakh for 24 hours (rarely advertised). 4. UPI (Unified Payments Interface) | Transaction type | Per Transaction | Daily Limit | |----------------|----------------|--------------| | UPI to other bank (normal) | ₹1 – ₹1 lakh | ₹1 lakh | | UPI to HDFC account | ₹1 – ₹1 lakh | ₹1 lakh | | UPI 2.0 (mandate-based) | Up to ₹5 lakh | ₹5 lakh (requires mandate) | | HDFC UPI Circle (family) | ₹1 – ₹15,000 | ₹15,000 (secondary user) | If you regularly need > ₹5 lakh, request
HDFC caps RTGS via NetBanking at ₹25 lakh/day unless you request a corporate/institutional limit enhancement (requires branch approval and income proof). For transfers above ₹25 lakh, you must visit a branch with valid ID and beneficiary details. If you have a HDFC Savings Max or
Yes – each holder has their own login and separate ₹5 lakh IMPS limit. But total combined transfers cannot exceed available balance.
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) |
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) |