DCB Bank IMPS Charges

Last Updated : July 5, 2025, 5:14 p.m.

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

DCB Bank IMPS Fees in 2025

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

• Up to ₹10,000 : ₹4.50 per transaction
• ₹10,000 to ₹1,00,000 : ₹4.50per transaction
• ₹1,00,000 to ₹2,00,000 : ₹14.50per transaction

Key Points :

• Outward IMPS Transactions : The above charges apply to funds sent from a DCB Bank account.
• Inward IMPS Transactions : No charges for receiving funds.
• Average Monthly Balance (AMB) : For accounts with an AMB of ₹25,000 or higher, IMPS transactions may be free up to 10 transactions per month. For accounts with AMB below ₹25,000, the above charges apply after exceeding 10 free transactions.
• Mobile and Net Banking : IMPS transactions via the DCB Mobile Banking app or DCB Personal Internet Banking may be free for certain account types, such as DCB Elite or Privilege Savings Accounts, as per bank promotions.
• Branch-Based IMPS : Additional service fees may apply for transactions initiated at a branch; confirm with the nearest DCB Bank branch.
• GST : Standard GST rates (18%) are applicable on all mentioned charges.

Key Features of DCB Bank 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).

DCB Bank IMPS Transaction Limits

DCB Bank aligns its IMPS transaction limits with NPCI and RBI guidelines to ensure security and compliance. The IMPS transfer limits for DCB Bank 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.

Benefits of Using DCB Bank IMPS

• Affordable Fees : Low charges, starting at ₹4.50 per transaction for amounts up to ₹1,00,000, with potential waivers for accounts maintaining ₹25,000 AMB.
• 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, internet banking, or branches.
• 24/7 Availability : Transfer funds anytime, even on holidays.
• Versatile Uses : Pay utility bills, credit card bills, or make online purchases.

Security Tips for DCB Bank 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 internet 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 DCB Bank’s official website (www.dcbbank.com) or DCB Mobile Banking app.
• Report Phishing : Immediately report suspicious emails, SMS, or calls to DCB Bank’s customer care.

Conclusion

DCB Bank’s IMPS service offers a fast, secure, and affordable way to transfer funds instantly, with IMPS charges starting at ₹4.50 per transaction for amounts up to ₹1,00,000 and a maximum daily limit of ₹2,00,000. Leveraging the DCB Mobile Banking app or DCB Personal Internet Banking ensures seamless, cost-effective transfers, with potential fee waivers for accounts maintaining an AMB of ₹25,000. Embrace the convenience of IMPS for real-time, hassle-free fund transfers across India.