What is RTGS Limit?
Real Time Gross Settlement or RTGS is a fund transfer service operated and managed by the Reserve Bank of India (RBI). It is popular owing to its method of settling transfer requests on a gross or instruction by instruction basis instead of the common batch-clearing format. As a result, it allows the quick and hassle-free transfer of funds from one bank account to another. However, before initiating a transaction, you must be aware of the RTGS transaction limit. which would determine the minimum and maximum amounts you can transfer using the service. Also, you must ensure that you transact within the RTGS daily limit.

What is the RTGS Minimum and Maximum Limit?
RTGS, as a payment system, is designed for high-value transactions and has a minimum and maximum limit.
RTGS Minimum Limit: This refers to the minimum amount of money you must transfer to be eligible for RTGS. The minimum RTGS amount limit is ₹2 lakh.
RTGS Maximum Limit: This refers to the RTGS transaction upper limit. Your transaction amount should be within this set limit. The upper limit prescribed for RTGS transactions varies from bank to bank.
There might also be a daily limit set by individual banks to which you need to adhere to.
RTGS Transfer Limits Set by Top Indian Banks
The RTGS minimum and maximum limits vary from bank to bank. Therefore, it is wise to check the offline and online RTGS limit with your bank before initiating a transaction.
1) HDFC Bank RTGS Transaction Limit
Minimum
|
₹2 lakh
|
RTGS online limit
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As per your set Third-Party Funds Transfer limit (Maximum up to ₹50 lakh per day)
|
RTGS limit per day at branches
|
No upper limit of RTGS transaction
|
2) Axis Bank RTGS Limit
RTGS minimum limit
|
₹2 lakh
|
RTGS maximum limit between 7:00 AM to 6:00 PM
|
As per your set Third-Party Funds Transfer limit (Maximum up to ₹50 lakh per day)
|
RTGS maximum limit between 6:00 PM to 7:00 AM
|
No upper limit of RTGS transaction
|
3) State Bank of India RTGS Limit
Minimum and maximum Limit of RTGS for retail banking:
RTGS lower limit
|
₹2 lakh
|
RTGS upper limit
|
₹10 lakh
|
RTGS money transfer limit for corporate internet banking:
RTGS Minimum Limit
|
|
₹2 lakh
|
Maximum RTGS Limit per transaction
|
Saral
|
₹10 lakh
|
Vyapaar
|
₹50 lakh
|
Vistaar
|
₹2,000 crore
|
RTGS Maximum Limit per day
|
Saral
|
₹10 lakh
|
Vyapaar
|
No RTGS limit
|
Vistaar
|
No RTGS limit
|
4) Citibank RTGS Limit
8:00 AM to 7:00 PM
Monday to Friday and working Saturdays
|
Maximum RTGS limit online per day via Citibank Online
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Citigold Private Client and Citigold customers: Up to ₹75 lakh
Others: Up to ₹25 lakh
|
8:00 AM to 7:00 PM
Monday to Friday and working Saturdays
|
RTGS transfer limit per day via Citi mobile banking
|
Citigold Private Client and Citigold customers: Up to ₹25 lakh
Others: Up to ₹15 lakh
|
7:00 PM to 8:00 AM on the next working day
|
Combined limit for NEFT and RTGS
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₹3 lakh
|
Sundays and Bank Holidays
|
Combined limit for NEFT and RTGS
|
₹3 lakh
|
Apart from RTGS, you can also use IMPS or NEFT to transfer money from one account to another. The NEFT timings, NEFT transfer limit, and NEFT fees and charges will, however, be different from that of RTGS, and so will be the IMPS transfer limit and IMPS fees and charges. You can check out the difference between IMPS vs NEFT vs RTGS and select the mode that suits you best!