Central Bank of India IMPS Charges

Last Updated : July 3, 2025, 5:34 p.m.

In the rapidly evolving landscape of digital banking, Central Bank of India IMPS charges are a critical factor for customers seeking fast, secure, and cost-effective fund transfers. Immediate Payment Service (IMPS) allows Central Bank of India (CBI) account holders to transfer money instantly, 24/7, including weekends and holidays, making it a preferred choice for urgent transactions. This article provides a detailed guide to CBI IMPS charges 2025, transaction limits, and steps to perform IMPS transfers.

Central Bank of India IMPS Fees in 2025

Central Bank of India maintains a competitive fee structure for IMPS transactions, with charges varying based on the transaction amount and channel used. As of 2025, the Central Bank of India IMPS fees are as follows, based on available information:

• Up to ₹1,0000 : ₹3 + GST per transaction
• ₹10,000 to ₹1,00,000 : ₹5 + GST per transaction
• ₹1,00,000 to ₹2,00,000 : ₹10 + GST per transaction
• >₹2,00,000 to ₹5,00,000 : ₹15 + GST per transaction

Key Points :

• Outward IMPS Transactions : The above charges apply to funds sent from a CBI account.
• Inward IMPS Transactions : No charges for receiving funds.
• Mobile Banking : IMPS transactions via the Cent Mobile app may be eligible for concessional rates for certain account types, such as premium or priority banking customers.
• Branch-Based IMPS : Additional service fees may apply for transactions initiated at a branch; confirm with the nearest CBI branch.
• GST : Standard GST rates (18%) are applicable on all mentioned charges.

Key Features of Central Bank of India IMPS

• 24/7 Availability : Transfer funds anytime, including bank holidays and weekends.
• Instant Transfers : Funds are credited to the beneficiary’s account within minutes.
• Secure Transactions : Uses OTP-based authentication, MPIN, and 128-bit SSL encryption for safety.
• Flexible Options : Transfer using Mobile Money Identifier (MMID) and mobile number (P2P) or IFSC code and account number (P2A).

Central Bank of India IMPS Transaction Limits

Central Bank of India aligns its IMPS transaction limits with NPCI and RBI guidelines to ensure security and compliance. The IMPS transfer limits for CBI in 2025 are:

• Maximum Daily Limit : ₹2,00,000 (via mobile banking or net banking).
• Per Transaction Limit : Up to ₹2,00,000, depending on account type and customer profile.
• Minimum Transaction Amount : ₹1.
• MMID-Based Transfers (P2P) : Limited to ₹10,000 per day for added security.
• New Beneficiary Transfers : Maximum ₹10,000 on the first day of beneficiary activation.

To verify specific limits for your account, log in to Cent Net Banking or the Cent Mobile app, or contact customer support.

Benefits of Using Central Bank of India IMPS

• Affordable Fees : Low charges, starting at ₹2.50 + GST for transactions up to ₹1,000.
• Instant Transfers : Funds are credited within minutes, ideal for urgent payments.
• Secure : OTP or MPIN authentication and SSL encryption ensure safety.
• Convenient : Accessible via mobile app, net banking, SMS, or branches.
• 24/7 Availability : Transfer funds anytime, even on holidays.

Security Tips for Central Bank of India IMPS Transactions

• Protect OTPs and MPIN : Never share your OTP or MPIN with anyone, as they are critical for transaction authentication.
• Use Secure Networks : Avoid public Wi-Fi for mobile or net banking transactions.
• Log Out : Always log out after completing transactions to prevent unauthorized access.
• Monitor Accounts : Regularly check your transaction history for suspicious activity.
• Use Official Channels : Access IMPS services only through CBI’s official website or Cent Mobile app.

Conclusion

Central Bank of India’s IMPS service offers a fast, secure, and affordable way to transfer funds instantly, with IMPS charges starting at ₹2.50 + GST for transactions up to ₹1,000 and a maximum daily limit of ₹2,00,000. Leveraging the Cent Mobile app or Cent Net Banking ensures seamless, cost-effective transfers. Embrace the convenience of IMPS for real-time, hassle-free fund transfers across India.