| Channels | OnlineSBI (RINB), YONO and YONO Lite for eligible retail customers; branch routes remain separate and can carry different charges/limits. | 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. |
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| Authentication | 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. | 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. |
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| NEFT | 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. | 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. |
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| RTGS | 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. | 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. |
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| IMPS | 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. | 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. |
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| Beneficiary controls | 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. | New-payee first-24-hour amounts are category-specific: Global Private/NRI ₹10L, Wealth/Wealth Select ₹5L, Privilege ₹2L, General ₹1L. |
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| Security cooling | 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. | 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. |
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| Charges | 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. | 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. |
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| Failure / reversal | SBI says incomplete IMPS transactions reverse immediately where possible; reconciliation cases reverse in T+1 days. Beneficiary/account details remain customer-responsibility controls. | 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. |
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