UPI and bank transfers (direct) charges
Published fees for UPI, NEFT, RTGS and IMPS paid straight to your bank, with GST, what you receive on a ₹10,000 payment and when the money arrives.
Last checked 26 Oct 2026 against official pages
| Payment method | Fee | You receive on ₹10,000 | Arrives | Status |
|---|---|---|---|---|
| UPI to a merchant account (P2M) — standard | 0% + 18% GSTAnnounced, not in force yet: up to ₹2,000: 0% · above ₹2,000: 0.4% (cap ₹300) + 18% GST | ₹10,000.00 | Not published | Unverified |
| UPI QR — small merchant (P2PM, ≤ ₹1 lakh/month) | 0% | ₹10,000.00 | Not published | Verified |
| UPI to a merchant account (P2M) — essential sectors (₹5 flat) | 0% + 18% GSTAnnounced, not in force yet: up to ₹2,000: 0% · above ₹2,000: ₹5 + 18% GST | ₹10,000.00 | Not published | Unverified |
| UPI to a merchant account (P2M) — mutual funds / brokers | 0% + 18% GSTAnnounced, not in force yet: 0.02% (cap ₹300) + 18% GST | ₹10,000.00 | Not published | Unverified |
| UPI to a personal account (P2P) | 0% | ₹10,000.00 | Not published | Verified |
| NEFT received into your account | 0% | ₹10,000.00 | Not published | Verified |
| RTGS received into your account | 0% | Not available at this amount | Not published | Verified |
| IMPS received into your account | 0% | ₹10,000.00 | Not published | Unverified |
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App
Payment method
₹
You receive
₹10,000.00, after ₹0.00 in fees
Announced, deferred by NPCI — start date to be notified.
Fees include GST on the fee only, never on your payment. Figures are estimates from published pricing; your contract or dashboard has the final word. Clarifee isn’t affiliated with or paid by any bank or payment company.
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Official sources
- NPCI press release, 13 Oct 2026: UPI MDR on select merchant transactions shall be implemented post Diwali
- NPCI — FAQs: MDR on Select UPI (P2M) Transactions (updated 15 Oct 2026)
- PIB (MoF), 15 Sep 2026 — UPI MDR framework
- RBI — NEFT FAQ (updated 2 Sep 2024)
- RBI — RTGS FAQ (updated 14 Oct 2026)
- HDFC Bank — Regular Current Account fees & charges (eff. 1 Oct 2023)
- Axis Bank — Current Account Normal (CANOR) schedule of charges, w.e.f. 1 Oct 2025
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