Calculate the exact arrival time of your Indian domestic or international bank transfer. Supporting UPI, IMPS, NEFT, and RTGS across all major Indian banks.
Select your sending and receiving banks, choose a payment method, and enter the time you're making the transfer.
Three simple steps to find out when your money will arrive.
Choose the bank you're sending money from and the bank that will receive it. We support all major Indian banks including SBI, HDFC Bank, ICICI Bank, Axis Bank, and more.
Select whether you're using UPI (instant), IMPS (instant, 24/7), NEFT (half-hourly batches), or RTGS (real-time, high-value).
Tell us when you're sending the payment and we'll calculate exactly when the funds will arrive in the recipient's account.
Understanding the four main ways to send money between Indian bank accounts.
UPI is India's revolutionary instant payment system managed by NPCI. It allows instant money transfers using a virtual payment address (VPA), mobile number, or QR code. UPI handles billions of transactions monthly and is the backbone of India's digital payments ecosystem.
IMPS is an instant interbank electronic fund transfer service offered by NPCI. It enables real-time transfers 24/7, including weekends and holidays. IMPS uses MMID, mobile number, or account number with IFSC for transferring funds between banks.
NEFT is a nationwide electronic payment system operated by the Reserve Bank of India (RBI). Transactions are processed in half-hourly batches throughout the day. Since December 2019, NEFT operates 24/7 on all days of the year, including weekends and holidays.
RTGS is the fastest high-value payment system in India, operated by the RBI. Transactions are processed individually on a real-time basis. It is designed for large-value transfers and requires a minimum amount of ₹2,00,000 per transaction.
Our calculator covers all major Indian banks and financial institutions.
India's digital payment landscape has undergone a remarkable transformation in recent years. With the advent of UPI, IMPS, and the modernisation of NEFT and RTGS, sending money between bank accounts in India has never been easier or faster. Understanding how each system works helps you choose the right method for your needs.
UPI (Unified Payments Interface) has transformed the way India transacts. Launched in 2016 by NPCI (National Payments Corporation of India), UPI allows instant peer-to-peer and peer-to-merchant transfers using a simple virtual payment address (VPA) like yourname@upi. With apps like Google Pay, PhonePe, Paytm, and BHIM, UPI has become the dominant payment method in India, processing over 10 billion transactions per month.
Key features of UPI:
Choosing between IMPS, NEFT, and RTGS depends on the amount you're sending, the urgency, and the time of day:
The Reserve Bank of India (RBI) declares certain days as holidays during which RTGS services may be unavailable. UPI, IMPS, and NEFT (since December 2019) operate 24/7 regardless of RBI holidays. However, RTGS is only available on RBI working days.
Key RBI holidays in 2026 include: Republic Day (January 26), Holi (March 17), Good Friday (April 3), Ram Navami (April 6), Mahavir Jayanti (April 6), Buddha Purnima (May 12), Independence Day (August 15), Mahatma Gandhi Jayanti (October 2), Dussehra, Diwali, Guru Nanak Jayanti, and Christmas Day (December 25). Additionally, the second and fourth Saturdays of each month are bank holidays.
Under the RBI's Liberalised Remittance Scheme (LRS), resident Indians can remit up to USD 250,000 per financial year for permitted current and capital account transactions. This covers education expenses abroad, travel, gifts, investments in foreign assets, and maintenance of relatives overseas.
Key points about international transfers from India:
International transfer times from India vary by destination and routing:
Indian banks typically have international wire cutoff times between 12:00 PM and 2:00 PM IST. Transfers sent after cutoff will begin processing on the next business day.
Everything you need to know about Indian bank transfers.
UPI transfers are instant and typically complete within seconds. UPI operates 24 hours a day, 7 days a week, including weekends and all public holidays. The per-transaction limit is ₹1,00,000 for most banks and payment apps (₹2,00,000 for certain categories like capital markets). UPI is managed by NPCI and is completely free for person-to-person transfers.
IMPS (Immediate Payment Service) is an instant, real-time payment system available 24/7 with a per-transaction limit of ₹5,00,000. NEFT (National Electronic Funds Transfer) processes transactions in half-hourly batches and has no upper limit on the amount you can send. Both are available 24/7 since NEFT went round-the-clock in December 2019. Choose IMPS when you need instant settlement, and NEFT when you're sending larger amounts or don't need real-time delivery.
RTGS (Real Time Gross Settlement) is available on RBI working days, typically from 7:00 AM to 6:00 PM IST. The minimum transfer amount is ₹2,00,000 with no upper limit. RTGS is not available on Sundays, second and fourth Saturdays, and RBI-declared holidays. Transactions settle individually in real-time, making it the fastest option for high-value transfers during business hours.
UPI and IMPS work 24/7/365, including all weekends and holidays — funds arrive instantly. NEFT also operates 24/7 since December 2019, processing in half-hourly batches on all days. However, RTGS is only available on RBI working days (not on Sundays, second and fourth Saturdays, or RBI-declared holidays). If you need to send money on a holiday, use UPI, IMPS, or NEFT.
International transfers from India are governed by the RBI's Liberalised Remittance Scheme (LRS), which allows resident Indians to remit up to USD 250,000 per financial year. You'll need to submit Form A2 and a self-declaration to your bank. The transfer is sent via SWIFT and typically takes 2-5 business days depending on the destination. TCS (Tax Collected at Source) of 5-20% applies on remittances above ₹7,00,000 per year. Most banks process outward remittances before their cutoff time (typically 12:00-2:00 PM IST).
UPI and IMPS transactions are irrevocable — once the money is debited and credited, it cannot be automatically reversed. If you've sent money to the wrong account, contact your bank immediately and file a complaint. The bank will reach out to the beneficiary's bank to request a refund, but the beneficiary must consent to the reversal. For NEFT, transactions can be returned by the beneficiary bank if the account details don't match. Always verify the account number, IFSC code, and VPA before confirming a transfer.