What is the RTGS limit per day?

There is no RBI-prescribed daily maximum for RTGS.
So if your bank shows a ₹10 lakh, ₹20 lakh, or another ceiling, that is generally a bank or channel limit, not the RTGS system maximum.

What is the minimum RTGS limit?

The minimum amount for an RTGS transfer is ₹2 lakh.

You cannot use RTGS for ₹1.99 lakh. For amounts below ₹2 lakh, consider another eligible payment rail such as NEFT or IMPS.

Is there a maximum RTGS limit?

RBI does not prescribe a maximum amount for RTGS.

However, banks can impose their own:

• per-transaction limits
• daily transfer limits
• internet-banking limits
• mobile-app limits
• beneficiary or cooling-period limits
• corporate-user approval limits

This is why the maximum shown in your app may be much lower than the amount RTGS itself can carry.

Online vs branch RTGS limits

Branch and digital limits can differ.

Before a large payment, check the live limit for your bank + account type + channel rather than relying on a generic bank-limit table.

How can you increase your RTGS limit?

If your banking limit is too low:

1. Check your transfer settings: Look for third-party transfer, transaction, or beneficiary limits.
2. Request a higher limit: Your bank may allow this through internet banking, mobile banking, or a branch.
3. Check cooling periods: A newly added beneficiary may temporarily have a lower limit.
4. Use the appropriate corporate workflow: Business accounts may support maker-checker approvals or higher configured limits.
5. Contact the bank for very large payments: Additional verification or documentation may apply.

What are the RTGS charges?

RBI stopped charging banks its own RTGS processing charges from 1 July 2019, but that does not mean every outward RTGS transaction must be free to every customer.

RBI's current customer-charge framework is:
Banks can charge less, and many offer zero-charge digital RTGS for eligible accounts.

How long does an RTGS transfer take?

RTGS settlement happens in real time at the system level.

Under normal circumstances:

• the beneficiary bank receives the funds in real time
• it must credit the beneficiary account within 30 minutes of receiving the RTGS message
• the remitting bank receives a positive confirmation after credit

RTGS has been available 24×7×365 since 14 December 2020.

There is no RBI-prescribed daily 11:30 PM–12:30 AM shutdown. Individual banks may have temporary maintenance windows for their own digital channels.

What should you check before sending RTGS?

RTGS payments are final and irrevocable once settled in RBI's books, so accuracy matters.

Check:

• beneficiary account number
• beneficiary name
• bank and branch
• IFSC
• amount
• account being debited

RBI has also directed banks to provide beneficiary account-name lookup for RTGS and NEFT, including through internet banking, mobile banking, and branches.

Use that verification where available before approving a high-value transfer.

What happens if an RTGS payment fails?

If the beneficiary bank cannot credit the payment, it must return the funds to the originating bank within one hour of receiving the payment at the Payment Interface or before the end of the RTGS Business Day, whichever is earlier.

The original debit should then be reversed.

Every RTGS transaction also has a 22-character UTR, or Unique Transaction Reference, which your bank can use when investigating a delayed or disputed transfer.

Do large RTGS payments need an LEI?

For single NEFT or RTGS payments of ₹50 crore and above by non-individual entities, RBI requires remitter and beneficiary Legal Entity Identifier (LEI) information.

Individual customer transactions are generally outside this requirement.

RTGS vs NEFT vs IMPS

For a payment above ₹2 lakh where real-time settlement matters, RTGS is often a natural fit. For smaller transfers, NEFT or IMPS may be more suitable.

Can RTGS be used for international payments?

No. RTGS is an Indian domestic payment system for transfers between RTGS-enabled bank branches.

If you need to collect from international customers, you need a cross-border payment route instead.

PayGlocal's Multi-Currency Accounts support collections in 33+ currencies from 180+ countries, with local collection rails, INR settlement, payment tracking, automated FIRA, and applicable EDPMS/e-BRC support for exporters.