RTGS (Real Time Gross Settlement) is used for high-value fund transfers between banks in India. It is fast, secure, and ideal when you need to transfer a large amount in one go.
This guide explains the RTGS minimum limit, maximum limit, timings, and common FAQs in simple Indian English.
Quick Summary – RTGS Limit
- Minimum RTGS Amount: ₹2,00,000
- Maximum Limit: No RBI-defined upper limit
- Availability: 24×7 (including Sundays & bank holidays)
- Best for: Large-value transfers
- Settlement: Real-time
What is the RTGS Minimum Limit?
The minimum amount for RTGS is ₹2 lakh (₹2,00,000).
This means:
- You cannot send less than ₹2 lakh via RTGS
- For smaller amounts, use NEFT or IMPS
This minimum limit is set by RBI and applies across all banks.
Is There Any Maximum RTGS Limit?
- RBI does not set a maximum RTGS limit
- However, banks may set their own per-transaction or daily limits
- Limits can vary based on:
- Net banking vs branch transfer
- Account type (savings/current/corporate)
- Customer risk profile
Always check your bank’s net banking limit for confirmation.
RTGS Timings (2026)
- Online RTGS: 24×7
- Branch RTGS: As per branch working hours
- Settlement: Real-time (usually within minutes)
How to Do RTGS Transfer
You can initiate RTGS through:
- Net Banking
- Mobile Banking App
- Bank Branch (RTGS form)
You’ll need:
- Beneficiary name
- Account number
- Bank name & IFSC code
- Amount (₹2 lakh or more)
FAQs – RTGS Limit
Q1. Can I send ₹1 lakh through RTGS?
A. No. RTGS requires a minimum transfer of ₹2 lakh.
Q2. What is the safest mode for large transfers?
A. RTGS is considered very safe due to real-time settlement.
Q3. Is RTGS available on bank holidays?
A. Yes, online RTGS works 24×7, including holidays.
Q4. Are RTGS charges applicable?
A. Most banks do not charge for online RTGS. Branch charges, if any, may vary.
Common Issues & Tips
| Situation | What to Do |
|---|---|
| Amount below ₹2 lakh | Use NEFT or IMPS |
| Transfer failed | Check beneficiary details |
| Amount debited but not credited | Wait a few minutes, then contact bank |
| Limit exceeded | Increase limit via bank/app |
Safety Tips
- Double-check beneficiary account number & IFSC
- Avoid last-minute transfers for urgent needs
- Save trusted beneficiaries
- Keep transaction reference number
Conclusion
The RTGS limit in India starts from ₹2 lakh, with no maximum limit set by RBI. It is the best option for large, urgent money transfers with real-time settlement.
