Taxation

RTGS transfer timings

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May 20, 2026

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Real Time Gross Settlement (RTGS) is a service that lets you transfer money quickly from one bank to another. Whether you are making a business transaction or transferring funds for personal needs, understanding RTGS limits is crucial to ensure a smooth transaction.

RTGS transfer timings (2025)

Axis Bank's RTGS transfer timings are set by the Reserve Bank of India (RBI). In 2025, Axis Bank allows you to make RTGS transactions during the following times:

Method of RTGS	Day	Timings	Transaction limits
Corporate Internet Banking/	Working Day	7 AM - 7 PM	You can initiate payments as per the amount limit set to your account.
Retail Internet Banking/	Working Day	7 AM - 7 PM	Up to ₹1 crore per transaction (funds above ₹1 crore will get processed on the next banking day/hour)
Mobile Banking	On 2nd & 4th Saturdays, Sundays and Bank holidays	Full day	Up to ₹1 crore per transaction (funds above ₹1 crore will get processed on the next banking day/hour)

How long does the RTGS transfer take?

When you transfer money using RTGS, it is processed in real-time. This means that your transaction is processed as soon as you make the transfer.

Things to remember for the RTGS fund transfer time

1. Cut-off time: Transact before the cut-off time. If you miss the deadline, the transaction will be processed on the next working day.

2. Minimum limit: RTGS is designed for high-value transactions. The minimum amount you can transfer via RTGS is ₹2 lakhs.

3. No upper limit: There is no maximum transaction limit for RTGS transfers. However, if you need to transfer a large amount, make sure your account has enough balance to cover it.

4. Modes of transaction: RTGS transfers can be initiated via Internet Banking, Mobile Banking, or at a bank branch.

Conclusion

RTGS is one of the fastest, safest, and most reliable methods for transferring high-value funds in India. With 24/7 availability, real-time processing, and RBI-mandated quick settlement times, RTGS ensures that your money reaches the recipient securely and swiftly.

Axis Bank makes RTGS transfers fast and easy. Just remember to check the timings, make your transactions on time, and ensure all the details are correct. If you ever face any issues, their customer support is always ready to assist.

Also Read: How to do a wire transfer in 6 simple steps?

Frequently asked questions

1. What if RTGS is not credited after 2 hours?

If RTGS is not credited within 2 hours, contact your bank immediately. Delays may occur due to technical issues, and the bank can assist in resolving the problem. If not resolved, you may escalate the issue to the RBI's grievance redressal system.

2. Can I do RTGS instantly?

RTGS transactions are processed in real-time, but they may not always be instant due to factors like bank working hours or technical issues. Transfers are usually completed within 30 minutes during operational hours.

3. What is the RTGS transfer time?

RTGS transfer time is usually instant during business hours, but it depends on the receiving bank’s processing. Transfers made after hours or on holidays are processed the next business day.

4. Can RTGS be delayed?

Yes, RTGS can be delayed due to technical errors, incorrect details, or non-working hours. However, RTGS is designed for quick transfers, and delays are generally rare under normal circumstances.

Disclaimer: This article is intended solely for informational purposes. The views expressed in this article are personal. Axis Bank and/or the author shall not be liable for any direct or indirect loss or liability incurred by the reader arising from reliance on the content herein. Readers are advised to consult a qualified financial advisor before making any financial decisions. Axis Bank does not endorse or guarantee the accuracy of any third-party content or links included in this article.