| Channels | FedNet Internet Banking and FedMobile; branch/corporate service contexts can have different charge and limit treatment. | OnlineSBI (RINB), YONO and YONO Lite for eligible retail customers; branch routes remain separate and can carry different charges/limits. |
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| Authentication | FedNet requires 2FA for transactions of any amount. Current FAQ lists mobile-based OTP/FedSecure, SMS OTP and a hardware-token option for corporates; the selected form factor also affects new-beneficiary activation. | Transaction rights are required. SBI documents OTP approval for beneficiary addition and OTP authorization in online IMPS journeys; the customer-set third-party limit is also approved with OTP. |
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| NEFT | FedNet documents NEFT up to ₹10 lakh as available 24x7 subject to the client's set transaction limit. Enhanced limits beyond ₹10 lakh are available Monday–Friday and eligible Saturdays from 8:45 AM–6:30 PM. | RBI NEFT has no system-level floor or ceiling and settles in 48 half-hourly batches 24x7x365. SBI applies the customer's digital third-party limit, currently configurable from ₹1 lakh to ₹25 lakh per day across NEFT/RTGS/IMPS/general-category merchants. |
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| RTGS | RTGS uses the applicable ₹2 lakh system minimum. FedNet documents transfers up to ₹10 lakh 24x7 subject to the client-set limit, with enhanced limits beyond ₹10 lakh during the published working-day window. | RBI RTGS is real-time 24x7x365 with a ₹2 lakh minimum and no RBI maximum. SBI's retail digital third-party ceiling remains customer-set up to ₹25 lakh/day, so the bank/channel limit can be lower than the RBI system capacity. |
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| IMPS | IMPS is an instant digital rail; the reviewed Federal sources do not provide one clean universal Federal customer maximum, so v1.39 preserves the customer/channel limit model rather than inventing a daily cap. | SBI's current FAQ states ₹5 lakh per transaction, available 24x7, with cumulative online outward transfers up to ₹25 lakh/day or the customer-set third-party limit, whichever is lower. Quick Transfer without adding a beneficiary is separately capped at ₹50,000/day across RINB/YONO/YONO Lite. |
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| Beneficiary controls | Newly added FedNet beneficiaries are activated instantly for most 2FA arrangements, but customers who selected SMS OTP as 2FA have a 24-hour beneficiary activation wait. | Up to eight beneficiaries can be approved per calendar day in the cited IMPS FAQ (four interbank + four intrabank). Beneficiaries approved 6 AM–8 PM activate within one hour; later approvals activate after 6 AM next day. |
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| Security cooling | Beneficiary cooling is authentication-form-factor dependent, not a universal Federal number. FedNet also allows customer transaction limits to be changed through its limit-management service. | For the first four days after activation of a new beneficiary, SBI caps total transfers to that beneficiary at ₹5 lakh; after cooling, the normal per-transaction and daily controls apply. |
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| Charges | Current 1 June 2025 schedule: FedNet/FedMobile interbank NEFT/RTGS free; IMPS ₹2.50 up to ₹1,000, ₹5 above ₹1,000–₹25,000, ₹7 above ₹25,000–₹1 lakh and ₹15 above ₹1 lakh. Other transaction contexts can have their own tariffs. | Current IMPS FAQ says ₹1–₹5 lakh online IMPS is nil; the September 2026 SBI service-charge page also links a revised IMPS charge notice effective 15 February 2026, so the engine flags a live charge-source conflict. Online NEFT/RTGS are treated from SBI's service-charge material as nil; branch tariffs remain separate. |
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| Failure / reversal | FedNet lets customers track Pending Payments and Payments Made. Its RTGS FAQ states that where the beneficiary bank cannot credit the account, the beneficiary bank returns the funds to the remitting bank within two hours. | SBI says incomplete IMPS transactions reverse immediately where possible; reconciliation cases reverse in T+1 days. Beneficiary/account details remain customer-responsibility controls. |
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