Nainital Bank IMPS Charges

Last Updated : July 7, 2025, 5:32 p.m.

In the fast-evolving landscape of digital banking, Nainital Bank IMPS charges are a vital consideration for customers seeking quick, secure, and cost-effective fund transfers. Immediate Payment Service (IMPS) enables Nainital 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 Nainital Bank IMPS charges 2025, transaction limits, and steps to perform IMPS transfers.

Nainital Bank IMPS Fees in 2025

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

• All IMPS Transactions : No charges apply for transactions conducted through mobile banking, net banking, or ATMs.

Key Features of Nainital Bank IMPS

• 24/7 Availability : Transfer funds anytime, including bank holidays and weekends.
• Instant Transfers : Funds are credited to the beneficiary’s account instantly.
• 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).

Nainital Bank IMPS Transaction Limits

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

• Maximum Daily Limit : ₹2,00,000 per transaction and per day.
• 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 NTBL Net Banking or the NAINI NEO Mobile Banking app, or contact customer support at 1800-180-4031.

Benefits of Using Nainital Bank IMPS

• Instant Transfers : Funds are credited instantly, ideal for urgent payments.
• Secure : OTP, MPIN, and 128-bit SSL encryption ensure safe transactions.
• Convenient : Accessible via mobile app, net banking, or ATMs.
• 24/7 Availability : Transfer funds anytime, even on holidays.
• Versatile Uses : Pay utility bills, credit card bills, or make online purchases to merchants.

Security Tips for Nainital 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 Nainital Bank’s official website or NAINI NEO Mobile Banking app.
• Report Phishing : Immediately report suspicious emails, SMS, or calls to Nainital Bank’s customer care at 1800-180-4031 or customercare@nainitalbank.co.in.

Conclusion

Nainital Bank’s IMPS service offers a fast, secure, and affordable way to transfer funds instantly. Leveraging the NAINI NEO Mobile Banking app or NTBL Net Banking ensures seamless, cost-effective transfers.. Embrace the convenience of IMPS for real-time, hassle-free fund transfers across India.