Digital Banking

UPI

FeatureDetailsLimits/ChargesAvailability
PaymentsP2P / P2M via UPI ID/QRAs per bank/RBILive
OnboardingMobile + Debit card / Aadhar OTP (as permitted)—Android/iOS
SecurityUPI PIN, device binding, risk checks—24×7

IMPS (Immediate Payment Service)

FeatureDetailsLimits/ChargesAvailability
PaymentsP2P / P2M via UPI ID/QRAs per bank/RBILive
OnboardingMobile + Debit card / Aadhar OTP (as permitted)—Android/iOS
SecurityUPI PIN, device binding, risk checks—24×7
Cash In/OutFingerprint auth via BC/Micro-ATMPer txn/day caps as per policyLive
Balance EnquiryLinked Aadhaar-bank accountAs per bankRural/Urban BCs
KYCAadhaar + 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

FeatureDetailsLimits/ChargesAvailability
UsageATM withdrawals, POS & e-commerce (Rupay/Visa)Per day caps as per scheduleDomestic/Intl (if enabled)
SecurityPIN, OTP for e-com, on/off controls—24×7

Micro ATM / Aadhaar Pay

FeatureDetailsLimits/ChargesAvailability
Cash In/OutCard/biometric transactions at BC pointsPer txn/day caps as per policyLive
ReceiptPrinted/SMS receipt—Rural/Urban BCs

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