All three run 24x7x365 in India today — here's how they differ on amount limits and settlement speed.
| Mode | Availability | Min amount | Max amount | Settlement |
|---|
Use IMPS for small, urgent transfers any time of day. Use NEFT for routine transfers with no rush. Use RTGS only for large amounts (₹2 lakh+) that need immediate, one-to-one settlement.
This NEFT vs RTGS vs IMPS comparison covers current transfer limits, minimum and maximum amounts, availability, and settlement speed for all three of India's electronic fund transfer systems. Use it to decide which transfer mode to use for a bank transfer, understand RTGS minimum amount requirements, or check IMPS transfer limits before sending money.