Compatibility is the default, not the exception
Every scheduled commercial bank in India accepts inbound IMPS and UPI credits — that's the entire premise of the rail. Settlement to your account works out of the box for HDFC, SBI, ICICI, Axis, Kotak, Yes, IDFC First, IndusInd, PNB, BoB, Federal, RBL, Canara, Union and IDBI accounts held in the KYC'd name.
Bank-specific notes we've seen
- HDFC and ICICI: highest ticket sizes flow through cleanly; the narration includes the CryptoSe settlement reference for your CA to reconcile.
- SBI: IMPS credits post immediately; passbook narration is shorter — keep the CryptoSe receipt as primary reference.
- Kotak 811 and Yes Bank Digital: some accounts have lower inbound IMPS caps; check with your branch if settling >₹5 lakh in one go.
- Co-operative banks & small-finance banks: technically compatible via UPI but slower to reflect; not recommended for time-critical settlements.
Covered in this hub
This single guide consolidates the material previously spread across dozens of brand/city/network-specific posts. Coverage includes:
HDFC BankState Bank of IndiaICICI BankAxis BankKotak MahindraYes BankIDFC First BankIndusInd BankPunjab National BankBank of BarodaFederal BankRBL BankCanara BankUnion BankIDBI Bank
FAQs
Does my bank get to see 'crypto' in the narration?
The narration references Dadu Fintech / CryptoSe as the payer — not 'crypto' as a keyword. Because settlement is from a regulated PMLA reporting entity, banks do not treat it as a suspicious inbound.