| Channels | Kotak Bank App, Kotak Net Banking and branch for NEFT/RTGS; IMPS through digital banking. One-time transfers without beneficiary use their own combined limit. | HDFC Bank NetBanking, MobileBanking and branch. Digital Third Party Transfer rights and the customer's TPT limit govern many outward transfers. |
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| Authentication | Authenticated Net/Mobile banking and the account's signing/transaction authority apply. Kotak's one-time transfer flow uses channel authentication, while saved-beneficiary transfers remain subject to beneficiary activation and CRN limits. | Adding an other-bank beneficiary uses HDFC's secure-access authentication; RTGS guidance also requires OTP to the registered mobile for Internet Banking transactions. |
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| NEFT | Digital NEFT is available 24x7 except Kotak's published 11:30 PM–12:30 AM no-initiation window. Existing/customer-set limits apply through 9:30 PM; up to ₹10 lakh is shown for 9:30–11:30 PM, and the bank publishes a maximum permissible ₹50 lakh per transaction from 12:30–7:30 AM, still subject to the overall daily limit. | Online 24x7 in RBI batches. 7 AM–7 PM on RBI working days: daily amount follows TPT, up to ₹50 lakh. Outside those hours and on holidays: ₹2 lakh per transaction, with multiple transfers allowed within the TPT ceiling. |
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| RTGS | Minimum ₹2 lakh. Kotak lists RTGS 24x7 except 11:30 PM–12:30 AM and a maximum permissible ₹5 crore per transaction between 12:30–7:30 AM; the customer/CRN daily limit can be lower. | Minimum ₹2 lakh. Branch has no HDFC upper ceiling stated on the reviewed page; NetBanking daily transfer follows TPT up to ₹50 lakh. HDFC advertises 24x7 RTGS except 11:30 PM–12:30 AM due to its cut-off. |
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| IMPS | Instant 24x7 through Net/Mobile. Current default CRN limits apply across IMPS with the customer's overall controls; Kotak's separate beneficiary article states up to ₹5 lakh daily IMPS after its stated first-day beneficiary restriction, so this is kept as source-scoped rather than used to overwrite the newer segment table. | Account+IFSC: up to ₹5 lakh per transaction after the first-day beneficiary restriction, with daily amount governed by TPT. MMID-based transfers use a much lower ₹5,000-per-day Customer ID limit in reviewed HDFC material. |
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| Beneficiary controls | Main current limit page: add up to 10 beneficiaries/day for Privy/Wealth/Solitaire/Non-Resident or 5/day for Regular/811; newly added beneficiary caps are ₹3 lakh, ₹50,000 and ₹25,000 by segment, after a 30-minute no-transfer cooling period. | Other-bank beneficiary activation takes about 30 minutes. Maximum four payment modes/payees can be added in 24 hours under the reviewed transfer guidance. |
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| Security cooling | A separate current Kotak help article says the limit is ₹25,000 for the first 24 hours after a beneficiary is added or edited. Because this conflicts with the segment-based 30-minute/cap table, both are retained and the live channel screen should control at transfer time. | New beneficiary: ₹50,000 total during first 24 hours for applicable transfers. RTGS is separately blocked until 24 hours have passed after beneficiary addition. Mobile-device registration can create additional app-specific restrictions that remain in the digital-banking profile. |
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| Charges | Account/channel specific. Reviewed Kotak savings schedule: Net/Mobile NEFT/RTGS nil; branch NEFT ₹2/₹4/₹14/₹24 by amount slab and branch RTGS ₹20/₹40 by slab. IMPS pricing can differ by account proposition, so no universal charge is inferred. | Online NEFT and RTGS are nil for the reviewed retail categories. From 1 August 2025 branch NEFT is ₹2/₹4/₹14/₹24 + GST by slab; branch RTGS ₹20 (₹2–5L) or ₹45 (>₹5L) + GST. IMPS follows the current bank tariff. |
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| Failure / reversal | Kotak exposes transaction status, service-request and dispute/support routes. For NEFT credit timing, the bank notes beneficiary-bank processing can affect receipt; pending transfers should be checked before retrying. | For pending IMPS, HDFC asks customers to allow up to two days for beneficiary credit or reversal under the cited guidance before escalation with the RRN and transaction details. |
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