How to Get Kotak RTGS Form: Fees, Limits & Step-by-Step Transfer

Where to Begin

If you want to make a money transfer using any of RTGS or NEFT via your Kotak Mahindra bank account, via a branch. The very first thing you will need is the RTGS/NEFT Application form.

Unlike net banking or mobile banking, where transactions are initiated digitally, the branch-based process requires a correctly filled-out details form plus a cheque leaf.

This single sheet works for both types of transfers — you can use it to transfer amounts ranging from Rs. 1,000 to Rs. 50 crores through the branch. However, there is no fixed upper limit; the minimum limit is Rs. 2 lakh for RTGS.

You can get the form in two ways:

1. Download it online from Kotak’s website and print it.
2. Ask for it directly at your nearest Kotak branch. (RTGS-enabled branch only) – The staff will always give you the latest version.

Both options are valid. Downloading helps if you want to fill it in advance, while picking it up at the branch is easier if you don’t want to bother with printing. If you make mistakes, extra forms are available on the spot.

The Layout of the Form

The Kotak RTGS/NEFT form usually comes in two styles, so don’t get confused.

1. Side by side – Just like the BOB RTGS Form, it is also available in the branches’ customer copy and bank copy, left and right side formats.
2. Top-to-bottom format – Just like normal private bank forms, everything is arranged vertically, starting from the top sender details, and the customer receipt in the end, with the bank seal.

Steps to Download the Kotak PDF Form For RTGS or NEFT

Here’s the simple process to download the form directly from Kotak’s official site:

1. First of all, just visit www.kotak.com using any web browser.
2. Go to Customer Service (At footer section) → Tap on Personal Banking.
3. Select Download Forms.
4. Look for the Remittance section (found in the Other category).
5. Choose RTGS & NEFT Form.
6. You will see two options:
   • A single English PDF
   • A ZIP file having the form in 13 different Indian languages
7. Tap on PDF to download it.

Here’s the direct link to the English PDF:

If you wish to have this form in any language you like – Hindi, Marathi, Gujarati, Tamil- you can extract the ZIP file and select the required one.

Kotak RTGS Form – Editable and Fillable PDF Download

How to do an RTGS transfer in Kotak Mahindra Bank?

1. Collect Beneficiary Details

• Ask the person/party you want to pay for:
  • Account holder name (exact spelling)
  • Account number
  • IFSC code
  • Bank name + Branch address.

Best Tip – Simply ask for a cancelled cheque of the beneficiary account, which makes it simple for you to put the correct details without any doubt.

2. Fill Your Cheque First

Yes, you will need a cheque for this transaction; however, it is not mandatory, but it depends on the branch-to-branch and account type.

• Take a cheque leaf from your own Kotak account.
• In the Pay section: Write your own name or just put “yourself”
• In the Amount section: Write the amount you want to transfer, both in digits and words.
• Date: Write the same date when you want to make a transfer (same as on the application form).
• Signatures: Sign the front and back sides of the cheque.
• You may have to enter the account number and sign back to the cheque. (optional)

3. Fill the Kotak RTGS Application Form

• First, use a blue or black pen and start with the branch name and date.
• Remittance Type – select and tick your type – RTGS (if more than ₹2 lakh) or NEFT.
• Your Account Number – same as on your self-writting cheque.
• Cheque Number – write the cheque number. (first 6 digits at bottom – 000012).
• Amount – same as cheque. Write in figures and words, and add “only” and “/-” at the end of it without a big space.
• Purpose Code – mandatory for RTGS. You will get the code list in the form below. If unsure, you can select CASH.
• Beneficiary details (The money receiver person or company information) –
  • Tick the right account type (Savings, Current, NRE, Loan, etc.).
  • Enter the full name of the beneficiary exactly as in their bank records.
  • Enter their account number twice for confirmation.
  • Add the IFSC code.
  • Mention the bank name and branch.
• Sign – same as your bank and cheque leaf signature.
• Account holder name – Just put your name.

4. Fill the Customer Acknowledgement Slip (Bottom of Form)

• Basic Enter details same as above:
  • Your Branch
  • Date
  • Amount
  • Cheque number
  • Beneficiary account number & bank name
• This part will be stamped and signed by bank staff and given back to you as proof. You can use it to track your payments.

5. Submission & Processing

• Submit the filled form + cheque at the branch counter.
• Bank official will:
  • Verify details
  • Sign & stamp form
  • Issue the UTR (Unique Transaction Reference) number
• You may have to wait for the UTR number, it issued once the payment is processed. You can use it to track it.

How Long Does It Take for Kotak RTGS or NEFT?

• If you submit within the form clearing window timings:
  • NEFT → Same day (but batch-wise, may take 2–3 hours)
  • RTGS → Almost real-time (typically within 1 hour)
• If you submit after the cutoff time:
  • Will be processed next working day.
• Example:
  • If you drop the form at 11 AM (weekday) → Funds likely reach by the same afternoon (NEFT) or within 1 or 2 hours (RTGS).
  • If you drop the form at 6 PM (after cutoff), → Funds move only on the next working day.

For Corporate and Current Accounts

If you are transferring money from a current account or a company account, the process has one extra step.

1. The form needs authorised signatories exactly as per the account mandate.
2. A company seal or stamp is also required on the form.

Best Time to Submit (Timeline)

The time you submit your form can affect when your money reaches the beneficiary.

Weekend notes: The Sundays, public holidays, and 2nd or 4th Saturdays, your branch will be closed as per RBI.

What are the basic charges for Kotak RTGS or NEFT

FAQs Related to Form