| Channels | ICICI iMobile app, Retail Internet Banking and branch. Pockets/InstaBIZ are also cited for digital NEFT/RTGS charging, but this profile focuses on mainstream retail iMobile/RIB. | Axis branch and supported Internet/mobile banking channels. The current remittance form is rail-specific; digital channel ceilings remain account/scheme dependent. |
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| Authentication | New payee and transfers are confirmed with MPIN in iMobile or OTP in Net Banking; transfer-limit controls can be viewed/modified from the Net Banking profile. | Digital journeys use Axis channel security; the current branch form requires signed authorization. The engine does not infer one OTP/beneficiary sequence for every Axis channel from migration-only documentation. |
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| NEFT | Minimum ₹1. Maximum depends on segment/time: reviewed table shows ₹10 lakh or ₹1 crore from 1 AM–7 PM, and ₹10 lakh or ₹50 lakh during 7 PM–1 AM and holidays, based on customer segment. | RBI NEFT has no system floor/ceiling and operates 24x7 in half-hourly batches. Axis's current form permits cash NEFT up to ₹49,999 and requires photo ID for non-customer cash remittance; account/channel limits still apply for digital use. |
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| RTGS | Minimum ₹2 lakh. The combined current limits table uses the same segment/time bands as NEFT; ICICI's dedicated RTGS page also displays a simpler ₹10 lakh/day figure, so the engine retains source scope rather than flattening them. | RBI minimum ₹2 lakh, 24x7 real-time settlement and no RBI maximum. Axis's current bank form does not publish one universal retail digital maximum, so product/account scheme limits remain controlling. |
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| IMPS | Account+IFSC supports up to ₹5 lakh per transaction and ₹20 lakh/day in the reviewed table. Net Banking MMID transfers are separately capped at ₹10,000. | Axis's May 2025-version remittance form states up to ₹5 lakh per IMPS transaction, subject to the per-day transfer limit for the account holder's Axis scheme code. Pending IMPS can transfer or revert within T+2 days. |
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| Beneficiary controls | New-payee first-24-hour amounts are category-specific: Global Private/NRI ₹10L, Wealth/Wealth Select ₹5L, Privilege ₹2L, General ₹1L. | Generic bankwide current beneficiary waiting/first-day figures were not established by the reviewed primary remittance form. Migration-specific Citi-to-Axis material is retained as scoped evidence, not generalized. |
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| Security cooling | ICICI publishes monetary restrictions for the first 24 hours after payee addition rather than one universal wait time. iMobile activation separately carries a ₹10,000 first-day transfer limit. | No universal bankwide cooling amount is asserted from the current generic form. Where a customer's specific Axis app/account migration journey displays a temporary limit, that live scoped control overrides the generic profile. |
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| Charges | Digital NEFT/RTGS are nil. Branch NEFT: ₹2.25/₹4.75/₹14.75/₹24.75 + GST by slab; branch RTGS: ₹20/₹45 + GST. Savings-account IMPS from 1 July 2025: ₹2.50 up to ₹1k, ₹5 above ₹1k–₹1L, ₹15 above ₹1L–₹5L + GST. | Charges/taxes are 'as applicable' on the current remittance form and can vary by account programme. The engine avoids taking a fee waiver from one premium/current-account tariff and presenting it as an Axis-wide retail price. |
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| Failure / reversal | The transfer workflow distinguishes transaction status and bank support/escalation; exact reversal TAT depends on rail/failure state, so one generic reversal deadline is not invented from unrelated UPI rules. | Current Axis form states a pending IMPS may be transferred or reverted within T+2 days. Returned NEFT and error/delay responsibility follows the bank/RBI transaction conditions. |
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