Karnataka Bank IMPS Charges

Last Updated : July 5, 2025, 4:15 p.m.

In the era of digital banking, Karnataka Bank IMPS charges are a key factor for customers seeking fast, secure, and cost-effective fund transfers. Immediate Payment Service (IMPS) enables Karnataka 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 Karnataka Bank IMPS charges 2025, transaction limits, and steps to perform IMPS transfers.

Karnataka Bank IMPS Fees in 2025

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

• Up to ₹1,000 : NIL
• ₹1,000 to ₹1,00,000 : ₹5 + GST per transaction
• ₹1,00,001 to ₹2,00,000 : ₹15 + GST per transaction.

Key Points :

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

Key Features of Karnataka 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).

Karnataka Bank IMPS Transaction Limits

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

To verify specific limits for your account, log in to MoneyClick Net Banking or the MoneyClick Mobile Banking app, or contact customer support at 1800 425 1444.

Benefits of Using Karnataka Bank IMPS

• Affordable Fees : Low charges, starting at ₹5 + GST for transactions up to ₹1,00,000
• 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.
• Versatile Uses : Pay utility bills, credit card bills, or make online purchases.

Security Tips for Karnataka 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 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 Karnataka Bank’s official website or MoneyClick Mobile Banking app.
• Report Phishing : Do not share OTPs, login passwords, or debit card details with anyone.

Conclusion

Karnataka Bank’s IMPS service offers a fast, secure, and affordable way to transfer funds instantly, with IMPS charges starting at ₹5+ GST for transactions up to ₹1,00,000 and a maximum daily limit of ₹2,00,000. Leveraging the MoneyClick Mobile Banking app or MoneyClick Net Banking ensures seamless, cost-effective transfers. For the latest Karnataka Bank IMPS charges 2025, check the official Karnataka Bank website or contact customer care. Embrace the convenience of IMPS for real-time, hassle-free fund transfers across India.