IMPS is the acronym for Immediate payment service. IMPS enables real-time bank fund transfers. Unlike NEFT, IMPS can be carried out 24/7 irrespective of the working hours of the banks or holidays. Even though IMPS is a mobile-based fund transfer system, one can access this service through ATM and net banking also.
To conduct an IMPS transaction, one may have to at least provide their mobile number and mobile money identifier or bank account number and IFSC code or Aadhaar number. Every bank has set its own upper limit for an IMPS transaction. IMPS transaction involves a transaction fee that varies depending upon the fund amount to be transferred.
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