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) |
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) | hdfc transfer limit
No. Minimum balance requirement for transfer is ₹1 plus applicable charges. If you have a HDFC Savings Max or
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. You can send ₹25 lakh via IMPS +
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) |
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.
IMPS is HDFC’s fastest mode (real-time, 24x7), but the ₹5 lakh daily cap is rigid. For amounts above ₹5 lakh, you must use RTGS (weekday daytime) or NEFT (batch).