{"id":15743,"date":"2026-07-13T12:41:23","date_gmt":"2026-07-13T07:11:23","guid":{"rendered":"http:\/\/10.10.164.133\/?p=15743"},"modified":"2026-07-14T10:21:05","modified_gmt":"2026-07-14T04:51:05","slug":"rtgs-charges-in-india","status":"publish","type":"post","link":"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/","title":{"rendered":"RTGS Charges in India: Bank-Wise Fees &amp; Business Checklist"},"content":{"rendered":"\n<p>RTGS charges in India depend on the bank, transaction channel, account type, and transfer amount. For businesses, the cost question is only one part of the decision: RTGS should also fit the payment amount, urgency, beneficiary setup, approval process, and reconciliation requirements.<\/p>\n\n\n\n<p>This guide explains how RTGS charges work, when online transfers are usually free, what branch-assisted transfers can cost at major Indian banks, and what businesses should verify before initiating a high-value transfer.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 custom_toc counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<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:\/\/payu.in\/blog\/rtgs-charges-in-india\/#How_RTGS_Charges_Work\" >How RTGS Charges Work<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#RTGS_Charges_At_Major_Indian_Banks\" >RTGS Charges At Major Indian Banks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#When_RTGS_May_Be_The_Right_Choice\" >When RTGS May Be The Right Choice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#How_To_Reduce_Unexpected_Charges\" >How To Reduce Unexpected Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#Online_Vs_Branch_RTGS_Charges\" >Online Vs Branch RTGS Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#How_To_Verify_RTGS_Charges_Before_Transfer\" >How To Verify RTGS Charges Before Transfer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#RTGS_Charges_Vs_NEFT_And_IMPS\" >RTGS Charges Vs NEFT And IMPS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#Business_Takeaway\" >Business Takeaway<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#How_PayU_Fits_Into_Business_Payment_Workflows\" >How PayU Fits Into Business Payment Workflows<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_RTGS_Charges_Work\"><\/span><strong>How RTGS Charges Work<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RTGS has a minimum transfer amount of Rs. 2 lakh, no RBI-set upper cap, and 24x7x365 availability through the RTGS system. Charges are not identical across all banks. The channel matters: online and mobile transfers are often cheaper than branch-assisted transfers, while current accounts, corporate accounts, premium accounts, salary packages, and non-individual accounts can follow different schedules.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RTGS_Charges_At_Major_Indian_Banks\"><\/span><strong>RTGS Charges At Major Indian Banks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The table below gives a practical snapshot from public schedules for selected major banks. It is not an all-bank list, and charges should be verified on the bank&#8217;s latest schedule before payment because banks revise charges periodically.<\/p>\n\n\n\n<p><strong>Bank:<\/strong><\/p>\n\n\n\n<p>Current public RTGS charge guidance<\/p>\n\n\n\n<p><strong>Where to verify:<\/strong><\/p>\n\n\n\n<ul>\n<li>SBI<\/li>\n<\/ul>\n\n\n\n<p>Online RTGS: nil; branch RTGS: Rs. 20 + GST for Rs. 2 lakh to Rs. 5 lakh and Rs. 40 + GST above Rs. 5 lakh.<\/p>\n\n\n\n<p><a href=\"https:\/\/sbi.bank.in\/web\/faq-s\/faq-rtgs-neft\" rel=\"nofollow\">https:\/\/sbi.bank.in\/web\/faq-s\/faq-rtgs-neft<\/a><\/p>\n\n\n\n<ul>\n<li>HDFC Bank<\/li>\n<\/ul>\n\n\n\n<p>Online RTGS: nil; branch RTGS: Rs. 20 for Rs. 2 lakh to Rs. 5 lakh and Rs. 45 above Rs. 5 lakh, excluding GST.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.hdfc.bank.in\/rtgs\/fees-and-charges\" rel=\"nofollow\">https:\/\/www.hdfc.bank.in\/rtgs\/fees-and-charges<\/a><\/p>\n\n\n\n<ul>\n<li>ICICI Bank<\/li>\n<\/ul>\n\n\n\n<p>Online RTGS through listed digital modes: nil; branch RTGS: Rs. 20 + GST for Rs. 2 lakh to Rs. 5 lakh and Rs. 45 + GST above Rs. 5 lakh.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.icici.bank.in\/personal-banking\/payments\/money-transfer\/charges-limits-timings\" rel=\"nofollow\">https:\/\/www.icici.bank.in\/personal-banking\/payments\/money-transfer\/charges-limits-timings<\/a><\/p>\n\n\n\n<ul>\n<li>Axis Bank<\/li>\n<\/ul>\n\n\n\n<p>Online RTGS: nil; branch RTGS: Rs. 25 for Rs. 2 lakh to Rs. 5 lakh and Rs. 50 above Rs. 5 lakh, with scheme exclusions.<\/p>\n\n\n\n<p><a href=\"https:\/\/application.axis.bank.in\/feesandchargemaster\/pdf\/ChargesForBranchTransaction.pdf\" rel=\"nofollow\">https:\/\/application.axis.bank.in\/feesandchargemaster\/pdf\/ChargesForBranchTransaction.pdf<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_RTGS_May_Be_The_Right_Choice\"><\/span><strong>When RTGS May Be The Right Choice<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Use RTGS when its settlement behaviour matches the business need. RTGS is usually chosen for high-value, time-sensitive bank transfers. IMPS is usually chosen for smaller urgent transfers where instant credit is more important than batch settlement. For repeated vendor or internal transfers, finance teams should also compare NEFT charges and reconciliation convenience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_To_Reduce_Unexpected_Charges\"><\/span><strong>How To Reduce Unexpected Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Check whether your account type has a waiver, use online channels when appropriate, confirm GST treatment, add beneficiaries in advance to avoid cooling-period issues, and document the transfer purpose for reconciliation. Businesses should maintain an internal payment matrix that says which rail to use by amount, urgency, approver, and accounting treatment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Online_Vs_Branch_RTGS_Charges\"><\/span><strong>Online Vs Branch RTGS Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many banks price online RTGS differently from branch-assisted RTGS. Digital channels may be free or lower-cost for several account types, while branch transactions can carry slab-based charges and tax. Corporate banking packages, current accounts, premium relationships, salary accounts, and non-individual accounts may also have separate terms. This is why a generic RTGS charge table should be treated as a starting point, not a final payable amount.<\/p>\n\n\n\n<p>Businesses should also check whether the charge is exclusive of GST, inclusive of tax, waived for a specific account programme, or changed for a branch request. A transfer initiated through a relationship manager or branch desk may follow a different schedule from a transfer initiated through net banking.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_To_Verify_RTGS_Charges_Before_Transfer\"><\/span><strong>How To Verify RTGS Charges Before Transfer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before sending a high-value payment, verify the bank&#8217;s latest fees-and-charges page, the account type, the transaction channel, the amount slab, and applicable tax. If the transfer is through corporate banking, check whether maker-checker approval, beneficiary cooling period, daily limits, or token-based authorisation affects the transaction. For urgent transfers, do this before the payment day, not after the invoice becomes overdue.<\/p>\n\n\n\n<p>The finance team should maintain an internal payment matrix that identifies the preferred rail by amount, urgency, beneficiary type, approver, and accounting treatment. This prevents teams from choosing RTGS only because it is familiar, when NEFT or IMPS may be cheaper or more appropriate for a smaller transfer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RTGS_Charges_Vs_NEFT_And_IMPS\"><\/span><strong>RTGS Charges Vs NEFT And IMPS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RTGS is designed for high-value real-time settlement and has a minimum amount of Rs. 2 lakh. NEFT is better for routine transfers where batch settlement is acceptable. IMPS can be useful for urgent transfers within the bank&#8217;s allowed limit. Charges differ by bank, account type, channel, and slab, so the cheapest option may vary by transaction.<\/p>\n\n\n\n<p>For businesses, the operational cost is not only the fee shown by the bank. Failed transfers, manual reconciliation, incorrect beneficiary details, duplicate payments, and late approvals can cost more than the transaction charge. A clear approval and reconciliation process is therefore as important as comparing bank fee slabs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Business_Takeaway\"><\/span><strong>Business Takeaway<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The safest approach is to choose the payment method based on the job it needs to do. Check the amount, urgency, customer or vendor context, bank limits, approval workflow, fees, tax treatment, refund or reversal path, and reconciliation evidence before deciding. For finance teams, a written payment policy is better than one-off judgement calls. It helps teams avoid duplicate transfers, unclear customer status, missed bank charges, and month-end reconciliation gaps.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_PayU_Fits_Into_Business_Payment_Workflows\"><\/span><strong>How PayU Fits Into Business Payment Workflows<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PayU does not set RTGS bank charges. Businesses can use PayU products to accept customer payments digitally and manage related workflows such as checkout, refunds, settlements, and reporting, where the product terms apply.<\/p>\n\n\n\n<p>For merchants, the important distinction is between bank-account transfer rails and customer-facing digital payment acceptance. NEFT, RTGS, and IMPS move money between bank accounts. A payment gateway helps businesses collect payments from customers through cards, UPI, net banking, wallets, EMI, BNPL, and other supported modes, then manage related workflows such as checkout, refunds, settlements, reporting, and reconciliation.<\/p>\n\n\n\n<p>Availability, pricing, settlement timelines, and payment modes can vary by merchant category, payment mode, approval status, and the latest product terms. Businesses should verify current PayU pricing, eligibility, and implementation requirements before going live.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1783926402801\"><strong class=\"schema-faq-question\"><strong>Is this available 24&#215;7?<\/strong><\/strong> <p class=\"schema-faq-answer\">RTGS availability depends on the rail and bank channels. RTGS and IMPS are generally 24&#215;7 systems, but banks can apply maintenance or channel restrictions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783926424250\"><strong class=\"schema-faq-question\"><strong>Are RTGS charges the same for every bank?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. RBI rules define the RTGS framework and charge caps, but customer charges can still differ by bank, account type, channel, tax treatment, and transaction slab.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783926435408\"><strong class=\"schema-faq-question\"><strong>Can a business reverse a transfer after sending it?<\/strong><\/strong> <p class=\"schema-faq-answer\">RTGS transfers are difficult to reverse after processing. Validate beneficiary details before confirming.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783926460437\"><strong class=\"schema-faq-question\"><strong>What should businesses check before using it?<\/strong><\/strong> <p class=\"schema-faq-answer\">Check amount limits, beneficiary details, channel availability, fees, GST, settlement expectations, internal approval rules, and reconciliation needs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783926475566\"><strong class=\"schema-faq-question\"><strong>Can PayU change bank transfer charges?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. PayU does not control bank charges for NEFT, RTGS, IMPS, ACH, or wire transfers. PayU can support merchant payment collection and related payment operations where its products apply.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>RTGS charges in India depend on the bank, transaction channel, account type, and transfer amount. For businesses, the cost question is only one part of the decision: RTGS should also&#8230;<\/p>\n","protected":false},"author":92,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[902],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RTGS Charges in India: Bank-Wise Fees &amp; Business Checklist<\/title>\n<meta name=\"description\" content=\"Review RTGS charges in India, online vs branch fees, GST, bank-wise examples, limits and checks businesses should complete before transfer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/payu.in\/blog\/rtgs-charges-in-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RTGS Charges in India: Bank-Wise Fees &amp; 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