NEFT, RTGS, IMPS and UPI to Transfer Funds From NRO to NRE Account

Yes, NRIs can use NEFT, RTGS, or IMPS through their NRE or NRO accounts to transfer funds to accounts in India. However, it depends on where they are transferring. If they are transferring to a local resident account, then no documentation is required. If transferring to an NRE Account, then it is subject to compliance with banking and foreign exchange (FEMA) rules. 

The transfer limits for each method are as follows:

• NEFT: No strict RBI-mandated minimum. The banks may impose their own limits (for example, Rs. 10 lakh or Rs. 1 crore). 
• IMPS: Up to Rs. 5 lakh in a day. The limit may differ by bank, but cant go over 5lakhs.
• RTGS: Minimum Rs. 2 lakh, no upper limit (for large transactions). 

IMPS method is fully available 24*7, including holidays. On the contrary, NEFT and RTGS have expanded their availability, with many banks supporting round-the-clock services. 

RTGS is usually preferred for high-value transfers (above Rs. 2 lakhs) as it provides immediate real-time settlement without batching delays. 

IMPS fees may differ depending on the transfer amount, while online NEFT and RTGS transfers usually have zero charges. 

NEFT is often sufficient and cost-effective for day-to-day or non-urgent transfers. It can include paying bills, sending modest amounts, etc.