How to do RTGS in Canara Bank via Branch: Fill-Up, Charges & Timings

Who Can Do RTGS in Canara Bank

The Canara Bank RTGS (Real Time Gross Settlement) system is one of the fastest options for transferring large amounts. Most people still find the most reliable option for RTGS via a branch, where you will need an RTGS form issued by Canara Bank to request the transfer. It is a single sheet form, works for both NEFT and RTGS transfer. RTGS transactions are managed by RBI regulations, and only specific types of customers can use this facility –

In simple terms, RTGS is for customers who hold a valid Canara Bank account with a sufficient balance.

How to Obtain the Canara Bank RTGS Form

Canara Bank provides a separate RTGS/NEFT form for both English and Hindi users. You can get the PDF from its official website’s download centre. Sometimes, Canara Bank pauses public downloads; however, the same forms can be obtained through an official branch.

• Simply go to the branch “May I Help” counter desk. Say – I want to do an RTGS. They provide a printed copy RTGS/NEFT form and basic details. You have to tick on RTGS to use it.

If you want the official PDF directly, you can download it here –

How to Do RTGS in Canara Bank (Branch Mode)

If you are doing RTGS via the branch counter, follow these three main stages carefully:

1 Step: Visit an RTGS-Enabled Branch Counter

1. Visit any RTGS-enabled Canara branch, the nearest you find.
2. You have to carry a few documents – your passbook, cheque leaf, and ID proof. (if required)
3. Your RTGS application physical paper, you can print or get from the branch.
4. Confirm with the officer that you want to do an RTGS transfer, not NEFT.
5. Check your account balance; it must be a sufficient amount for the transfer plus service charges, including tax.

2 Step: How to Fill the Canara Bank RTGS Form

Your RTGS Application form has two main and important sections, one for the remitter (sender, meaning you) and one for the beneficiary (receiver, where you are sending). You have to fill all fields carefully using Capital words and Block letters to avoid overwriting and mistakes. Below is a sample layout and example:

Need for a Self-Cheque

To initiate your RTGS application at a branch, Canara Bank requires a self-cheque from your cheque book, draw a leaf and start writing –

Here’s how to fill in the self-cheque correctly for RTGS:

1. On the Pay line, write “SELF for RTGS or NEFT”.
2. Write the RTGS amount in figures and words.
3. Sign the cheque exactly as per the bank records.
4. In the “A/C Payee” section, draw two parallel lines (for security).
5. On the back side of the cheque, write:
   • For RTGS transfer to Beneficiary Name
   • Amount: ₹3,50,000
   • IFSC: SBIN0005678
   • Beneficiary A/c: 987654321000
   • Signature: sign the same as the front.
6. Now, all set, attach this self-cheque with the filled RTGS application form and submit both at the counter.

Can You Use Cash for Canara Bank RTGS?

No — You cannot use cash for RTGS transactions, as per the RBI and Canara Bank transaction rules. RTGS is strictly for account-to-account transfers.

If you only have cash, you must first deposit the cash into your Canara Bank account, wait until it reflects, and then do RTGS from that account.

However, NEFT (not RTGS) allows cash transfers up to ₹50,000 for non-account holders.

3 Step: Submit the RTGS Form at the Counter

Once you have:

• Filled the RTGS form,
• Attached your self-cheque, and
• Verified all details,

You have to hand the documents directly to a bank officer at the cash/transfer counter only. Don’t give anyone or drop the RTGS form in any drop box; it won’t be processed.

The officer will verify your details and signature, confirm the balance, and then provide you with a Customer Acknowledgement Slip with a UTR (Unique Transaction Reference) number.

Keep this UTR number — it helps track the transfer if required. Also, you can complain here – Canara Bank Fund Transfer complaint portal
for any RTGS or NEFT-related issues.

RTGS Timings and Processing Time

If you submit the form before the cutoff (3:30 PM), the transaction will be completed the same day. After the cutoff, it is processed on the next working day. Avoid any lunch hour + late RTGS payment, as it may extend your transfer timings.

RTGS Charges in Canara Bank

Canara Bank sets nominal charges for RTGS initiated at branch counters only. The fee depends on the amount transferred:

Remaining Q/A of Canara Bank Account Holders