As banking habits continue to evolve in 2026, the State Bank of India (SBI) has introduced important revisions to its transaction limits and service charges. These updates affect how customers use IMPS transfers, ATM services, and free transaction allowances, making it essential to understand the new rules to avoid unnecessary charges.
This detailed guide explains SBI transaction limits and charges in 2026, covering IMPS fees, ATM charges, exemptions, and smart ways to reduce banking costs.
The New Era of SBI IMPS Transfers (Effective February 15, 2026)
From February 15, 2026, SBI has revised its IMPS (Immediate Payment Service) pricing model, especially for high-value digital transactions. While the bank continues to promote digital banking, it has moved toward a usage-based fee structure for larger transfers.
IMPS remains one of the fastest money transfer options in India, allowing instant, 24×7 fund transfers, even on holidays.
Online IMPS Transaction Charges (YONO / Net Banking / Mobile Banking)
To ensure affordability for everyday users, SBI has kept small-value digital IMPS transfers free, while applying nominal charges on higher slabs.
SBI Online IMPS Charges (Effective Feb 15, 2026)
| Transaction Amount | Service Charges |
| Up to ₹25,000 | Free |
| ₹25,001 – ₹1,00,000 | ₹2 + GST |
| ₹1,00,001 – ₹2,00,000 | ₹6 + GST |
| ₹2,00,001 – ₹5,00,000 | ₹10 + GST |
Key points to note:
- Maximum IMPS limit per day: ₹5 lakh
- Charges apply only beyond ₹25,000
- GST is applicable on all chargeable slabs
- IMPS transfers are instant and irreversible
Also Read: SBI IMPS Charges
Branch-Based IMPS Transaction Charges
Customers who initiate IMPS transfers at SBI branches continue to follow a separate, higher fee structure, reflecting manual processing and staff involvement.
SBI Branch IMPS Charges
| Transaction Amount | Branch Charges |
| Up to ₹1,000 | Free |
| ₹1,001 – ₹10,000 | ₹2 + GST |
| ₹10,001 – ₹25,000 | ₹4 + GST |
| ₹25,001 – ₹1,00,000 | ₹4 + GST |
| ₹1,00,001 – ₹2,00,000 | ₹12 + GST |
| ₹2,00,001 – ₹5,00,000 | ₹20 + GST |
Important: Branch IMPS charges remain unchanged compared to earlier rules.
IMPS Fee Waiver for Exempted Account Categories
To protect priority customer groups, SBI continues to offer IMPS fee waivers for select salary and special savings accounts.
Accounts Exempt from IMPS Charges:
- Defence Salary Package (DSP)
- Paramilitary Salary Package (PMSP)
- Police Salary Package (PSP)
- Indian Coast Guard Salary Package (ICGSP)
- Central & State Government Salary Packages
- Railway Salary Package (RSP)
- Shaurya Family Pension Accounts
- CSP / SGSP / SUSP
- SBI Rishtey – Family Savings Account
For these accounts, online IMPS transactions remain free, regardless of amount.
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Revised ATM & ADWM Charges (Effective December 1, 2025)
In response to increased interchange fees, SBI revised ATM and ADWM charges for transactions at other banks’ ATMs.
Free ATM Transactions and Charges at Other Bank ATMs
Regular savings account holders receive a limited number of free transactions per month.
SBI Charges at Other Bank ATMs
| Transaction Type | Charges After Free Limit |
| Cash Withdrawal | ₹23 + GST |
| Non-Financial Transactions | ₹11 + GST |
Free transaction limit: 5 free transactions per month (financial + non-financial)
Also Read: SBI ATM Withdrawal Limits 2026
Special Rule for Salary Account Holders
Unlike earlier years, salary account holders now have a cap on free ATM usage.
- 10 free transactions per month at other bank ATMs
- Charges apply beyond this limit
This change significantly impacts customers who frequently withdraw cash from non-SBI ATMs.
Important SBI Transaction Reminders for 2026
These practical reminders can help customers avoid unnecessary fees:
- Cardless cash withdrawals via YONO are unlimited and free
- BSBD and KCC accounts continue with existing benefits
- Always verify beneficiary details before IMPS transfers
Final Takeaway
SBI’s transaction updates for 2026 focus on digital convenience with controlled costs. By keeping IMPS transfers within free limits and using SBI ATMs or cardless withdrawals, customers can bank smarter while minimizing charges.
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