Complete Guide to know about RTGS with Web Online CA

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Real Time Gross Settlement (RTGS) - Timing and Charges

  • By Web Online CA
  • 3 min read
  • Updated On 21-February-2026

What is RTGS?

RTGS stands for Real-Time Gross Settlement. it is a specialized electronic funds transfer system used by banks and financial institutions for high-value and time-sensitive transactions. The transactions are settled individually and immediately, without being batched with other transactions.

RTGS Transaction Limits

- The minimum amount that can be transferred via RTGS is Rs. 2 lakh.

- There is no specified upper limit for RTGS transactions when conducted through a bank branch. This means you can transfer any amount above the minimum threshold of Rs. 2 lakh.

- If you choose RTGS transaction through internet banking, there is typically a maximum limit in place. This limit is often set at Rs. 25 lakh, it may vary across banks.

RTGS Charges

- Inward transactions – Free, no charge to be levied.

- Outward transactions – ₹ 2,00,000/- to 5,00,000/-: not exceeding ₹ 25/- (exclusive of tax, if any)

- Above ₹ 5,00,000/-: not exceeding ₹ 50 (exclusive of tax, if any) 

Benefits of Using RTGS for Fund Transfer

- Do not have a maximum limit, making it suitable for transferring both small and large sums of money.

- Real-time transactions

- 24x7 availability

- Easy, Safe and Secure for fund transfer

- Many banks offer this service free of charge

How to Transfer Funds Through RTGS?

- Log in to your net banking account using your User ID and Password.

- Click on the 'Fund transfer' section on the home page.

- Select the transfer method as 'RTGS'.

- Add the beneficiary to your account if you haven't already.

- Click on the 'Add beneficiary' option and enter the beneficiary's details such as IFSC, account number, account type, and name.

- Enter the amount you wish to transfer and click on 'Confirm'.

- Authorize the transfer using authentication methods like OTP.

- Receive a transaction confirmation with a reference number.

- The recipient will be notified of the incoming funds in real-time.

- Keep the confirmation details for your records.

Frequently Asked Questions

The minimum amount for an RTGS transfer is Rs. 2 lakh. There is typically no maximum limit.

RTGS processes transfers in real time - money is usually credited to the beneficiary's account within a few minutes of initiation.

Online RTGS via net banking or mobile banking is often free, but banks can charge nominal fees for transactions initiated through branches.

Yes, RTGS is available 24×7, all year round for online transfers, including holidays.

Yes - RTGS uses secure banking networks and RBI-regulated systems, making it safe for large and urgent transfers.
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