Kotak Bank RTGS Form: How to Fill, Submit & Transfer Funds (India, 2026)
The Kotak Bank RTGS form is used to transfer ₹2 lakh or more from your Kotak Mahindra Bank account to another bank account using the RTGS (Real Time Gross Settlement) system.
Quick Summary
- Minimum RTGS amount: ₹2,00,000
- Mode: Branch form or Online Net Banking
- Transfer speed: Real-time
- Charges: May apply for branch RTGS
- Availability: Branch hours / Online RTGS is 24×7
What Is RTGS in Kotak Bank?
RTGS is an RBI-regulated fund transfer system for high-value transactions where money is credited to the beneficiary instantly or within minutes.
Where to Get Kotak Bank RTGS Form
You can get the RTGS form from:
- Any Kotak Mahindra Bank branch
- Customer service desk inside the branch
If you use Kotak Net Banking, a physical RTGS form is not required.
How to Fill Kotak Bank RTGS Form (Step-by-Step)
Remitter (Sender) Details
Fill your own details:
- Account holder name
- Kotak Bank account number
- Account type (Savings / Current)
- Branch name
- Mobile number
- Amount (₹)
- Amount in words
Beneficiary (Receiver) Details
Fill carefully to avoid errors:
- Beneficiary name
- Beneficiary bank name
- Branch name
- Account number
- IFSC code (mandatory)
Incorrect IFSC or account number can cause delay or rejection.
Declaration & Signature
- Tick RTGS (not NEFT)
- Sign as per bank records
- Write date and place
Documents Required
- Filled RTGS form
- Cheque or debit authorisation (branch-dependent)
- Valid ID proof (may be asked)
How to Submit Kotak Bank RTGS Form
- Visit your Kotak Bank branch
- Submit the completed RTGS form at the counter
- Deposit the transfer amount
- Collect the acknowledgement / UTR number
Online RTGS in Kotak Bank (No Form Needed)
If you have Kotak Net Banking:
Steps:
- Log in to Kotak Net Banking
- Add beneficiary (one-time)
- Select RTGS
- Enter amount (₹2 lakh or more)
- Confirm using OTP
✔ Faster
✔ Paperless
✔ Usually lower or zero charges
RTGS Charges (Indicative)
- Branch RTGS: Charges may apply
- Online RTGS: Often free or minimal
Charges can vary by account type. Check with branch or net banking for exact fees.
FAQs – Kotak Bank RTGS Form
Q1. Can I use RTGS for less than ₹2 lakh?
A. No. Use NEFT or IMPS for smaller amounts.
Q2. How long does Kotak RTGS take?
A. RTGS is processed in real time, usually within minutes.
Q3. Can RTGS be cancelled?
A. Generally not, once processed. Contact the branch immediately if needed.
Q4. Is RTGS available on holidays?
A. Online RTGS works 24×7. Branch RTGS depends on branch working hours.
Conclusion
The Kotak Bank RTGS form is useful for branch-based high-value transfers, while online RTGS via Kotak Net Banking is faster and more convenient. Always double-check beneficiary details before submission.
