How to Increase the Transfer Limit in HDFC — Step-by-Step Guide

Key Insights

1. You can raise your HDFC transfer limit as needed to manage your business transactions.

2. Transfer limits vary depending on the time of day and whether the beneficiary is new.

3. Additionally, you can utilise free NetBanking for fund transfers to avoid branch transaction fees.

Introduction on how to increase the transfer limit in HDFC

Increasing the transfer limit in HDFC Bank helps customers to send larger amounts of money online, improving their financial flexibility for both business and personal use.

Dev, a businessman, used the HDFC Net Banking portal to upgrade his transfer limit by submitting some financial documents.

The table below outlines the key benefits Dev experienced after successfully increasing his transaction limit:
 

This upgrade was so valuable for Dev, making his financial transactions more efficient and supporting his business's growth. 

This blog helps you understand how to increase the transfer limit in HDFC. The next topic is: What is the HDFC Account Transfer Limit?

What is the Transfer Limit of HDFC in 2025?

The money you can send in a single day using NEFT, RTGS, or IMPS is known as the HDFC Account Transfer Limit. The bank sets this security limit, and it may change depending on the time and type of transaction.

Sohit is a freelancer who will receive ₹3,00,000 payment from the client, but he split the payment into two transactions of ₹2,00,000 and ₹1,00,000 due to the post-7 pm rule.

The following table breaks down HDFC's transfer limits.
 

They are important for customers like Sohit to manage their finances effectively.

Sohit aims to avoid payment delays and manage his cash flow. Now that you are aware of the HDFC limit, let's explore how to transfer funds using the HDFC portal.

Bonus Tip: The maximum permissible Third-Party Transfer (TPT) limit is usually up to ₹50,00,000 for retail savings account customers, subject to HDFC's internal approval and your account profile.

How To Increase Transfer Limit In HDFC?

You can increase your NEFT limit through the bank's net banking facility. Here are the steps to follow:
 

• Step 1: Access the HDFC Bank online portal and log in using your customer ID and password.
   
• Step 2: Navigate to the "Funds Transfer" tab.
   
• Step 3: In the 'Request' section, select 'Modify TPT Limit.'
   
• Step 4: To adjust your preferred limit, click on either 'Increase' or 'Decrease' in the drop-down menu.
   
• Step 5: Please confirm your decision by providing your card details.
   
• Step 6: An OTP will be sent to your phone number. Enter the OTP to complete the process.

This quick online process allows you to manage your spending, providing more financial flexibility efficiently. Now, we will talk about how to transfer funds using the HDFC NEFT mode.

Bonus Tip: For most pre-approved customers, the new limit is activated instantly after successful OTP authentication. If further verification is needed, it may take 24-48 hours.

How to Transfer Funds through IMPS and RIGS in HDFC?

To transfer money to your HDFC Bank account, you can follow these step-by-step guidelines:

• Step 1: Log in to your HDFC Net Banking account.
   
• Step 2: Navigate to the 'Fund Transfer' tab and select 'Add Beneficiary.'
   
• Step 3: Choose 'Transfer to Another Bank' for the beneficiary type.
   
• Step 4: Please provide the bank details of the beneficiary, including the IFSC code, account number, and any other relevant information.
   
• Step 5: Click' on 'Confirm' to finalise the addition of the beneficiary.
   
• Step 6: Go to the 'Fund Transfer and select the 'Transfer to Other Bank (NEFT)' option.
   
• Step 7: Input the relevant account details of the beneficiary and accept the 'Terms and Conditions'.
   
• Step 8: Please review the details and click "confirm" to complete the process.

In the first 24 hours after adding a new beneficiary, you can transfer a maximum of Rs. 50,000.

Fees and Charges for Fund Transfers at HDFC

The expenses incurred when sending money using different methods, such as NEFT, RTGS, or IMPS, are known as fees and charges for HDFC fund transfers.

Akash, a small business owner who regularly transfers funds for his operations, is affected by these costs, which vary depending on the transaction channel, amount, and timing.

The table below outlines the main fees he faces, enabling him to make informed choices for his business transfers.

Akash focuses on online transfers to manage his business finances effectively and avoid extra charges. He is aware of the fees and limits associated with HDFC transfers.

How to Increase Your HDFC Transfer Limit

With the proper paperwork, you can quickly visit a branch or easily increase your transfer limit through NetBanking.

Key Methods:
 

• NetBanking: Instantly authenticate your request using your Debit Card details and an OTP.
   
• Branch Visit: Higher limits require a completed TPT Limit Increase Form and a valid photo ID.
   
• Documents vary: Requirements depend on your account type.
   
• Partnership Firm: Submit the form plus an official partnership letter.
   
• Private Company: Provide the form along with a Board Resolution.

To unlock greater transaction flexibility safely, you have these documents that best meet your needs. 

Conclusion 

Manage your fund effortlessly with HDFC Bank's money transfer facility, designed to suit your needs. Whether you're a busy business owner like Dev or a freelancer like Sohit, you can conveniently adjust your limits online as required. 

Using netBanking or the mobile app for NEFT enhances the security and flexibility of your financial transactions. Familiarising yourself with these features empowers you to take charge of your finances, ensuring a seamless and efficient banking experience.

FAQS

I need to make a one-time high-value transfer exceeding my limit. Can I get a temporary increase?

Yes, HDFC offers a temporary limit enhancement for such needs. You must request this via a written application at your home branch or through your relationship manager, stating the reason and duration. Approval is discretionary.

Why can't I increase my limit myself through NetBanking even though I have a high balance?

Your self-service limit in NetBanking is pre-defined based on your account type and banking profile. For increases beyond that threshold, a bank officer must manually verify your income, account conduct, and KYC, which requires a branch visit.

What documents are required to increase the limit in a branch?

Typically, you need a printed and signed limit enhancement form, KYC documents (ID & address proof), and recent income proof (like salary slips or ITR).

Is there a charge to increase my transaction limit?

No, HDFC Bank does not charge any fee for the process of increasing your daily transfer limit itself.

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.