RTGS / NEFT
RTGS
Real Time Gross Settlement for high-value, real-time transfers.
- Settlement: real-time
- Minimum: ₹2,00,000
- Availability: 24x7x365
NEFT
National Electronic Funds Transfer for batch-processed transfers.
- Settlement: half-hourly batches
- Minimum: no minimum
- Availability: 24x7x365
RTGS / NEFT Transaction Limits
| Channel | Description | Min/Txn | Max/Txn | Max/Day | Max/Month | Availability |
|---|---|---|---|---|---|---|
| NEFT | Through Mobile App | 1.00 | 2,00,000.00 | 30,00,000.00 | 5,00,000.00 | 00:00 to 24.00 24X7 |
| RTGS | Through Mobile App | 1.00 | 100.00 | 25,000.00 | 7,50,000.00 | 00:00 to 24.00 24X7 |
How to Initiate a Transfer
1
Collect Details
Get beneficiary name, account number, IFSC code, and bank name.
2
Visit Branch / Use App
Use branch-assisted transfer or mobile banking.
3
Submit & Verify
Confirm amount, details, and transaction type.
4
Confirmation
Receive the UTR number as confirmation.