IOB RTGS Form (Indian Overseas Bank) – 2026 Guide
If you want to transfer a large amount of money (₹2,00,000 or more) through Indian Overseas Bank (IOB), you can do it using the IOB RTGS form at the branch.
Quick Summary
- Form name: IOB RTGS / NEFT Application Form
- Minimum RTGS amount: ₹2,00,000
- Mode: Branch form or online banking
- Processing: Real-time (during RTGS hours)
What Is IOB RTGS Form?
The IOB RTGS form is a physical request form used to initiate a high-value fund transfer from your IOB account to another bank account.
Usually, the same form is used for NEFT and RTGS. You just need to tick RTGS.
Details Required in IOB RTGS Form
Remitter (Sender) Details
- Account holder name
- IOB account number
- Branch name
- Mobile number
- Amount (in figures & words)
- Signature of account holder
Beneficiary Details
- Beneficiary name
- Beneficiary bank name
- Beneficiary branch
- Beneficiary account number
- IFSC code (mandatory)
Transfer Type
- Select RTGS
How to Get IOB RTGS Form
- Visit your Indian Overseas Bank branch
- Ask for the RTGS/NEFT form at the counter
Some branches may also keep forms at the enquiry desk.
How to Submit IOB RTGS Form (Step-by-Step)
- Visit IOB branch during working hours
- Collect and fill the RTGS/NEFT form
- Double-check beneficiary details
- Submit the form along with cheque or debit authority (if required)
- Collect the acknowledgement receipt
RTGS transfers are usually credited the same day if submitted within RTGS timings.
IOB RTGS Timings (Branch)
- Working days: During branch business hours
- Saturdays: 1st & 3rd Saturday
- Closed: Sundays and bank holidays
Online RTGS via IOB net banking may be available 24×7, as per bank policy.
Charges for IOB RTGS
RTGS charges may vary based on:
- Transfer amount
- Branch or online mode
Many banks offer free online RTGS, but branch charges may apply.
Common Mistakes to Avoid
- Incorrect IFSC code
- Wrong beneficiary account number
- Amount below ₹2,00,000
- Signature mismatch
These errors can delay or reject the transfer.
FAQs
Q. Can I use IOB RTGS form for NEFT?
A. Yes. The same form is generally used.
Q. Is RTGS available without visiting branch?
A. Yes, via IOB net banking, if activated.
Q. How long does IOB RTGS take?
A. RTGS is processed in real time, usually within minutes.
Security Tips
- Verify beneficiary details carefully
- Do not share account information unnecessarily
- Keep the acknowledgement slip safe
Conclusion
The IOB RTGS form is a reliable way to transfer high-value funds through Indian Overseas Bank. Fill in accurate details, submit the form during RTGS hours, and your transfer is usually completed the same day. For faster service, online RTGS is recommended.
