Digital Banking

• 
  UPI
  
• 
  AEPS
  
• 
  IMPS
  
• 
  NEFT / RTGS
  
• 
  Mobile Banking
  
• 
  Internet Banking
  
• 
  Debit Cards
  
• 
  Micro ATM / Aadhaar Pay
  

UPI

Feature	Details	Limits/Charges	Availability
Payments	P2P / P2M via UPI ID/QR	As per bank/RBI	Live
Onboarding	Mobile + Debit card / Aadhar OTP (as permitted)	—	Android/iOS
Security	UPI PIN, device binding, risk checks	—	24×7

IMPS (Immediate Payment Service)

Feature	Details	Limits/Charges	Availability
Payments	P2P / P2M via UPI ID/QR	As per bank/RBI	Live
Onboarding	Mobile + Debit card / Aadhar OTP (as permitted)	—	Android/iOS
Security	UPI PIN, device binding, risk checks	—	24×7
Cash In/Out	Fingerprint auth via BC/Micro-ATM	Per txn/day caps as per policy	Live
Balance Enquiry	Linked Aadhaar-bank account	As per bank	Rural/Urban BCs
KYC	Aadhaar + biometric	—	Interoperable

IMPS (Immediate Payment Service)

Feature	Details	Limits/Charges	Availability
Transfer	Account/IFSC or MMID	As per bank	24×7×365
Auth	App login + device binding	—	Mobile/Internet

NEFT / RTGS

Feature	Details	Limits/Charges	Availability
NEFT	Batch transfer	As per bank	24×7
RTGS	High-value real-time	Min/charges per policy	Bank hours/24×7 (as enabled)

Mobile Banking

Feature	Details	Limits/Charges	Availability
Functions	Balance, statements, transfers, bill pay	As per bank	Android/iOS
Security	mPIN, biometrics, device binding	—	24×7

Internet Banking

Feature	Details	Limits/Charges	Availability
Functions	Account view, transfers, service requests	As per bank	Web (HTTPS)
Security	Login + OTP/2FA, device checks	—	24×7

Debit Cards

Feature	Details	Limits/Charges	Availability
Usage	ATM withdrawals, POS & e-commerce (Rupay/Visa)	Per day caps as per schedule	Domestic/Intl (if enabled)
Security	PIN, OTP for e-com, on/off controls	—	24×7

Micro ATM / Aadhaar Pay

Feature	Details	Limits/Charges	Availability
Cash In/Out	Card/biometric transactions at BC points	Per txn/day caps as per policy	Live
Receipt	Printed/SMS receipt	—	Rural/Urban BCs