{"id":7127,"date":"2024-11-25T05:00:43","date_gmt":"2024-11-24T23:30:43","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=7127"},"modified":"2026-02-09T16:29:44","modified_gmt":"2026-02-09T10:59:44","slug":"rtgs-timings","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/rtgs-timings\/","title":{"rendered":"RTGS Timings &#8211; RTGS Transfer Timings in India for 2026"},"content":{"rendered":"<p>Real Time Gross Settlement (RTGS) is a secure and efficient method for transferring high-value funds electronically, regulated by the Reserve Bank of India (RBI). This article delves into essential details about RTGS timings, transfer processes, and settlement guidelines. Whether you want to understand RTGS transfer time, how much time RTGS takes, or the overall RTGS payment time, this guide covers all aspects to ensure seamless transactions.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e23d20ad4d5\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e23d20ad4d5\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/rtgs-timings\/#RTGS-Timings-in-2026\" >RTGS Timings in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/rtgs-timings\/#RTGS-iMobile-%E2%80%93-Also-Available-for-NRIs\" >RTGS (iMobile) \u2013 Also Available for NRIs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/rtgs-timings\/#How-Long-Does-RTGS-Transfer-Take\" >How Long Does RTGS Transfer Take?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/rtgs-timings\/#Things-to-Remember-When-Using-RTGS-Transfer\" >Things to Remember When Using RTGS Transfer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/rtgs-timings\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/learn\/rtgs-timings\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"RTGS-Timings-in-2026\"><\/span>RTGS Timings in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>RTGS transfers are available <strong>24\/7, 365 days a year<\/strong>, including weekends, public and <a href=\"https:\/\/razorpay.com\/learn\/bank-holidays-list-india\/\">bank holidays<\/a>. Once the transfer is initiated, the <strong>beneficiary bank credits the recipient\u2019s account within 30 minutes<\/strong> of receiving the funds transfer message. This round-the-clock availability ensures you can initiate real-time RTGS fund transfers at any time without waiting for banking hours.<\/p>\n<p>Additionally, <a href=\"https:\/\/razorpay.com\/learn\/transfer-funds-using-rtgs\/\">RTGS transfers<\/a><strong>\u00a0eliminate the need for creating demand drafts or cheques<\/strong>, making the process faster and more convenient. Most banks also offer online RTGS services, allowing you to complete transfers without visiting a branch. The beneficiary bank receives the funds in real time, ensuring swift and seamless transactions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"RTGS-iMobile-%E2%80%93-Also-Available-for-NRIs\"><\/span><b>RTGS (iMobile) \u2013 Also Available for NRIs<\/b><b><br \/>\n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td>\n<h3 style=\"text-align: center;\"><b>Transaction Timing<\/b><\/h3>\n<\/td>\n<td style=\"text-align: center;\">\n<h3><b>Minimum Limit<\/b><\/h3>\n<\/td>\n<td>\n<h3 style=\"text-align: center;\"><b>Maximum Limit<\/b><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td>1:00 a.m. IST \u2013 7:00 p.m. IST<\/td>\n<td>\u20b92 lakh<\/td>\n<td>\u20b910 lakh or \u20b91 crore (based on customer segment)<\/td>\n<\/tr>\n<tr>\n<td>7:00 p.m. IST \u2013 12:00 a.m. IST and 12:00 a.m. \u2013 1:00 a.m. IST<\/td>\n<td>\u20b92 lakh<\/td>\n<td>\u20b910 lakh or \u20b950 lakh (based on customer segment)<\/td>\n<\/tr>\n<tr>\n<td>2nd &amp; 4th Saturdays, Sundays, and Bank Holidays<\/td>\n<td>\u20b92 lakh<\/td>\n<td>\u20b910 lakh or \u20b950 lakh (based on customer segment)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"How-Long-Does-RTGS-Transfer-Take\"><\/span>How Long Does RTGS Transfer Take?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Under normal circumstances, RTGS transfers are processed in <strong>real-time<\/strong>, with the beneficiary bank expected to credit the recipient\u2019s account within <strong>30 minutes<\/strong> of receiving the transfer message, as mandated by the Reserve Bank of India (RBI). Typically, the funds reflect in the receiver\u2019s account within a few seconds.<\/p>\n<p>In case of delays, the <strong>originating bank is held responsible<\/strong> for the transaction, as per the Income Tax Department. If the beneficiary\u2019s bank is unable to credit the account, the funds will be returned to the remitter.<\/p>\n<p>For instance, according to the <strong>State Bank of India (SBI)<\/strong> guidelines, if a transfer fails, the remitting bank must return the funds to the originating account within <strong>two hours<\/strong> of completing the <a href=\"https:\/\/razorpay.com\/learn\/what-is-batch-processing\/\">batch process<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Things-to-Remember-When-Using-RTGS-Transfer\"><\/span>Things to Remember When Using RTGS Transfer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While RTGS is a fast and secure fund transfer method, it is always important to know the terms and conditions.<\/p>\n<p><strong>Some of the common guidelines include the following:<\/strong><\/p>\n<ul>\n<li>The amount will be paid only to the account mentioned in the RTGS form.<\/li>\n<li>In case an RTGS payment is initiated, it cannot be canceled.<\/li>\n<li>Before making any transfers, it is highly recommended to go through the RTGS form and make the money transfer accordingly.<\/li>\n<li>The user has to select either <a href=\"https:\/\/razorpay.com\/learn\/difference-between-neft-and-rtgs\/\">RTGS or NEFT<\/a> when filling out the fund transfer form. The bank will decide which fund transfer method will be used if no mode is selected.<\/li>\n<li>If the beneficiary details mentioned are incorrect, the bank is not liable for any consequences arising from the error.<\/li>\n<li>If there is a failed payment, the amount must be returned to your bank account. If the compensation is not returned for failed payments, you are eligible for compensation of the current repo rate plus 2%.<\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Related Read: What Are RTGS Charges? - Check RTGS Transfer Charges in 2024&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:332799,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:14277081},&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:{&quot;1&quot;:2,&quot;2&quot;:0}},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;9&quot;:0,&quot;10&quot;:1,&quot;11&quot;:3,&quot;12&quot;:0,&quot;15&quot;:&quot;Calibri&quot;,&quot;19&quot;:0,&quot;21&quot;:0}\"><em><strong>Related Read: <\/strong><\/em><a href=\"https:\/\/razorpay.com\/learn\/what-are-rtgs-charges\/\"><em><strong>What Are RTGS Charges in 2026?<\/strong><\/em><\/a><\/span><\/p>\n<h3><strong>Features of RTGS<\/strong><\/h3>\n<ul>\n<li>The minimum amount you can transfer via RTGS has to be above INR 2 lakh<\/li>\n<li>RTGS transactions can be initiated from anywhere using the internet banking option (ideal to be done at the home, workplace, or using a device that is safe and not a public-access machine).<\/li>\n<li>RTGS transactions have no fees or charges thanks to the directive from the RBI that came into effect on July 01, 2019<\/li>\n<li>RTGS transfer time are as follows &#8211; Available 24 hours, 7 days a week and 365 days a year.<\/li>\n<\/ul>\n<p><em><strong>Read More: <a href=\"https:\/\/razorpay.com\/learn\/rtgs\/\">What is RTGS and How Does it Works?<\/a><\/strong><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As you can see, RTGS fund transfer is a quick and safe method for transferring funds and can be used when you have to share a large amount. There are no stipulated limitations to RTGS timings, and this fund transfer can be done <strong>24*7*365<\/strong>.<\/p>\n<p><strong>To make an RTGS transfer, all you need to input are the following:<\/strong><\/p>\n<ul>\n<li>Your account details.<\/li>\n<li>Beneficiary account number.<\/li>\n<li>Beneficiary bank and branch details.<\/li>\n<li>Name of the beneficiary.<\/li>\n<li><a href=\"https:\/\/razorpay.com\/blog\/decoding-ifsc-codes-meaning-importance\/\">IFSC code<\/a> for the receiving bank.<\/li>\n<li>Amount to be transferred.<\/li>\n<li>Remarks, if any.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\t\t\t<div id=\"rank-math-rich-snippet-wrapper\" class=\"\">\n\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>Real Time Gross Settlement (RTGS) is a secure and efficient method for transferring high-value funds electronically, regulated by the Reserve Bank of India (RBI). This article delves into essential details about RTGS timings, transfer processes, and settlement guidelines. Whether you want to understand RTGS transfer time, how much time RTGS takes, or the overall RTGS<\/p>\n","protected":false},"author":151156444,"featured_media":11330,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[3591,1679],"class_list":{"0":"post-7127","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-payment","9":"tag-rtgs"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/7127","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156444"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=7127"}],"version-history":[{"count":22,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/7127\/revisions"}],"predecessor-version":[{"id":18816,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/7127\/revisions\/18816"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media\/11330"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=7127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=7127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=7127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}