RTGS Transaction Time

RTGS Timings

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RTGS Transfer Timings

In an effort to provide a much-needed boost to digital payment systems, RBI has revised the online RTGS timings for banks. As per the RBI circular on RTGS timings that was released in December 2020, the facility is now available 24 hours, for all seven days of the week.

FAQs about RTGS Timings

  • ✔️Is RTGS a 24*7 service?

    Yes, the RTGS timing has been updated by the Reserve Bank of India. Now, the service is available for 24 hours across 7 days a week.

  • ✔️Can RTGS be done at night?

    Yes, as per the RBI circular on RTGS timings, the online RTGS service is available at all times, even at night. However, some banks adhere to an RTGS cut off time, which is usually between 11.30 PM to 00:30 AM.

  • ✔️What are the customer transaction timings for RTGS?

    As per Reserve Bank of India guidelines, the current RTGS timings are 24x7. However, the bank timings may vary slightly based on the cut-off time.

  • ✔️Can a big amount be transferred in time via RTGS?

    RTGS is ideal for high-value transactions. Moreover, the processing also occurs in real-time. There can be a maximum delay of 30 minutes between the transfer request being initiated and the beneficiary account being credited. If you wish to transfer a big amount, make sure to check out your bank’s RTGS limit.