NEFT Timings 2025: Updated Transfer Schedule & Holidays

NEFT or National Electronic Funds Transfer has been the bedrock of online transactions for over 2 decades. It allows savings and business accounts in India to easily and securely transfer funds from one account to another. Together with IMPS and UPI, NEFT handles daily transactions of over ₹2.2 trillion.

The NEFT transfer timings provide round-the-clock availability to individuals. Even for businesses, knowing the NEFT timings is important because it enables the seamless processing of money transfers between parties. In this blog, we will discover the NEFT timings 2025, schedule, and how it works.

What is NEFT and How Does it Work?

NEFT stands for National Electronic Funds Transfer, which is a payment system in India that allows bank-to-bank transfers. The Reserve Bank of India operates the payment system and allows customers to transfer money from one bank account to another.

It is a popular method for transferring money between banks in India. It is vital for electronic banking and enables secure, digital transactions. Throughout the day, NEFT transactions are carried out hourly and handled in batches. It is a popular and safe way to transfer money for a number of uses, including online shopping, bill payment, and salary payments.

NEFT transactions are processed in batches of 30 minutes. A NEFT transfer that is started at 10:02 AM, for instance, will be settled by 10:30 AM. If a transfer is requested at 10:25 AM, it will also be handled by 10:30 AM.

How NEFT Works?

In NEFT, transactions are processed in batches. They are also settled in hourly intervals throughout the day. Here is how NEFT works:

• Initiate Transfer: Start the transfer by adding the beneficiary’s name, account number, IFSC code, and transfer amount.
• Bank Verification: The bank verifies the beneficiary’s information. After verification, your bank deducts the designated amount from the account.
• Transaction Sent to RBI NEFT System: The Reserve Bank of India’s NEFT clearing centre receives the transaction data from the bank.
• RBI Batches Transactions: 48 times a day, including weekends and holidays, RBI gathers all transfer requests and processes them in half-hourly batches.
• RBI Notifies Recipient Bank: The RBI notifies the destination bank to credit the beneficiary’s account with the payment instructions.
• Recipient Bank Credits Funds: As soon as the receiving bank gets the RBI’s directive, it credits the funds to the beneficiary’s account.
• Transfer Complete: Depending on batch time, the transaction is now successfully finished, often in a few hours.

Updated NEFT Transfer Timings 2025

As of 2025, the National Electronic Funds Transfer (NEFT) system operates under updated schedules. From Monday to Saturday, excluding bank holidays, NEFT transfers are available from 8:00 AM to 7:00 PM. Typically, NEFT services are unavailable on Sundays and public holidays unless specified otherwise by individual banks.

NEFT 2025 Timings

Day	Timings	Limit
Monday-Saturday	7:00 AM – 7:00 PM	No limit
Weekends and Holidays	Available 24×7	Upper limit of ₹1 crore for each transaction
After-hours	7:00 PM to 7:00 AM	Up to ₹1 crore per transaction

There are no major changes in NEFT timings for 2025. You can still enjoy hassle-free digital transactions during the given time. Remember, NEFT operates in hourly batches. Transaction times depend on the destination bank’s processing time and the beneficiary bank.

NEFT Timings During Bank Holidays: NEFT Holidays 2025

NEFT, or National Electronic Funds Transfer, allows seamless online fund transfers between banks. However, NEFT transactions halt during bank holidays. In 2025, the major bank holidays impacting NEFT services include:

Date	Holiday
26 January	Republic Day
1 April	Bank’s Annual Closing Day
29 March	Good Friday
16 June	Bakra Eid
15 August	Independence Day
2 October	Mahatma Gandhi Jayanti
25 December	Christmas

On these days, NEFT transactions aren’t processed as bank branches and systems remain closed. This pause affects services like credit card bills and online fund transfers. Some exceptions apply if the Reserve Bank of India or individual banks like HDFC Bank or ICICI Bank announce special arrangements. However, changes are uncommon.

During national holidays, other digital transactions such as IMPS and RTGS might still be available. For more information on NEFT and banking hours, visit the Reserve Bank of India’s official website.

How to Check NEFT Status and Transaction Timing?

Batches of NEFT transactions are completed every 30 minutes. Tracking your NEFT transaction status helps you check if your transaction is processed or rejected. Here is how you can check NEFT transaction status:

NEFT Status via Mobile Banking App

• Log in to Mobile App: Open the mobile banking app for your bank and log in using your login information or biometric verification.
• Go to Fund Transfer: To access the Fund Transfer/Payments section, tap on the “Transfer” or “Payments” area and choose NEFT.
• Add or Select Beneficiary: Enter the beneficiary’s name, account number, and IFSC code to add a new beneficiary or select an existing one.
• Wait for Activation: Before starting the transfer, new beneficiaries must wait the bank’s required cooling-off time.
• Enter Amount and Notes: Enter the transfer amount, together with any optional notes or the reason for the payment.
• Verify Transaction: To approve the transfer, use biometric authentication or an OTP.
• Obtain Confirmation: After the NEFT is executed, you will get a notice or a success message.

NEFT Stats using Net Banking

• Open Net Banking and Log in: Go to the online banking interface of your bank and enter your login credentials.
• Navigate to Funds Transfer: Click the “Payments” or “Funds Transfer” tab, then choose NEFT from the list of alternatives.
• Choose or Add Beneficiary: Choose an existing beneficiary or add a new one with all of their account and IFSC information.
• Await Beneficiary Approval: Before enabling transfers to new beneficiaries, banks often need a short activation period.
• Complete the Transfer Information: Choose the beneficiary, enter the transfer amount, and add any optional notes.
• Confirm using OTP: Use an OTP that was issued to the email address or cellphone number you registered with to verify the transaction.
• Get Acknowledgement: You will see or get an email with a confirmation message that includes the transaction reference.

NEFT Status via Bank’s Website

• Visit the Official Bank Website: Log in and find the NEFT or money transfer option on your bank’s official website.
• Secure Login: To access the NEFT portal, enter your registered login information.
• Add/Select Beneficiary: Enter or choose the beneficiary’s information, such as their account number and IFSC.
• Verify Beneficiary Registration: Prior to starting the transaction, wait for the beneficiary to be activated and validated.
• Enter Transfer Details: Select your account, enter the required amount, and, if necessary, add comments.
• Authenticate Transfer: Use the transaction PIN or OTP to authorise the transfer.
• Track Transaction: Download the transaction receipt, if it is available, and see the real-time confirmation. 

Checking Delay and Contacting Support

If your NEFT transfer is delayed:

• Step 1: Check transaction status using the steps above.
• Step 2: Still unresolved? Contact your destination bank branch’s customer support via the bank’s helpline.

Benefits of Using NEFT for Fund Transfers

Here are the key advantages of NEFT transactions you must know:

• 24/7 Accessibility: You have 24/7 access to the NEFT payment system. What this means is that you can transfer money throughout the year.
• Safe Money Transfer: NEFT transactions guarantee safe settlement and almost instant money transfer to the beneficiary’s account. Safeguarded by the Reserve Bank of India.
• Nationwide Reach: NEFT has a vast network of different banks and branches you can transfer to and from.
• Convenience: You can transfer money from anywhere using online fund transfers and without standing in long queues.
• Free Transactions: Online NEFT transactions for savings bank account holders are free.
• No Minimum Limit: Unlike some payment methods that require a minimum transaction limit, NEFT allows the transfer of any amount. This is perfect for both small and large transactions.

In addition to money transfers, the NEFT system may be utilized for a number of other operations, such as inbound foreign currency remittances, loan EMI payments, and credit card payments to the card issuers. This is what the differences of NEFT vs RTGS vs IMPS are.

NEFT vs IMPS vs RTGS

Feature	NEFT	IMPS	RTGS
Full Form	National Electronic Funds Transfer	Immediate Payment Service	Real-Time Gross Settlement
Availability	24×7, including holidays	24x7x365 (instant)	24×7, including holidays (real-time)
Settlement Type	Half-hourly batches	Real-time	Real-time and gross basis
Transfer Speed	30 minutes to a few hours	Instant	Instant (real-time)
Minimum Limit	No minimum	₹1 (varies by bank)	₹2,00,000
Maximum Limit	No fixed limit	₹5,00,000 (bank-dependent)	No upper limit
Charges	Free online	₹2 – ₹10 + GST	Free online; branch may charge
Access Modes	Mobile app, net banking, branch	UPI, mobile app, net banking, ATM	Mobile app, net banking, branch

Common NEFT Errors and How to Avoid Them

While the NEFT is a useful bank transfer method, there are still common errors you will encounter. Here are all the common NEFT errors and the ways to avoid them:

• Incorrect Beneficiary Details: One of the most frequent NEFT mistakes is entering the wrong beneficiary information. Ensure you double-check the account number and IFSC code before proceeding.
• Insufficient Balance: Transactions fail if there isn’t enough money in your account. Always confirm your balance before initiating a transfer.
• Bank-Specific Issues: Different banks, such as HDFC Bank and ICICI Bank, sometimes face technical issues or system outages. Keep updated via your bank’s notifications or customer service.
• System Outages: The Reserve Bank of India schedules periodic maintenance, which can cause service downtimes. Be aware of such timings on national holidays like Gandhi Jayanti.

Conclusion

Understanding NEFT 2025 timings is crucial for both individuals and businesses. When you know the updated NEFT transfer timings, you can plan your transactions efficiently. This ensures that your funds reach the beneficiary bank on time. With NEFT, money transfers occur in hourly batches, making it a reliable and cost-effective method.

NEFT provides ease and worldwide accessibility, whether you’re transferring money to a buddy or paying a company. When it comes to handling loan-related operations, such as making EMI payments or receiving loan disbursals, the convenience of money transfer is also essential. If you are looking for business financing to grow your business, apply for a business loan with FlexiLoans.