RTGS Form: Stepwise Guide to Fill and Download in Banks

RTGS Transfer Methods and Limit

According to the RBI, the minimum amount you can send through RTGS is ₹2 lakh, while there is no maximum capped amount; however, the bank sets its own internal limits.

Usually, it depends on what method you are using for RTGS, such as –

What is the RTGS form?

For branch banking, you will need the RTGS Form, which is a simple application slip that you fill out at the bank branch whenever you want to send money through Real Time Gross Settlement.

Since RTGS is designed for large-value payments, the form makes sure the bank has every detail it needs before processing the request.

These payments are only performed on selected RTGS-enabled branches, mostly in rural areas, and towns have a big branch which usually RTGS-enabled.

You have to confirm with your branch first. Fun fact, there are a total of 1,60,000 RTGS-enabled bank branches across India.

Most customers are confused here. Usually, Most banks in India issue a combined RTGS/NEFT form, so you must tick the RTGS box for any selected transaction. For any transfer below Rs. 2 Lakh, you can go with NEFT.

Where to Get RTGS Forms

• Branch Counter – It is not widely available, only RTGS-enabled branches.
  • Visit and collect from the help desk, usually bilingual (English & Hindi).
  • For a cooperative or a gramin bank branch, you can ask for religious language forms as well.
• Download PDF –
  • Go to your bank’s official website.
  • Look for “Forms Centre” or “Downloads.”
  • Search for ‘RTGS/NEFT Application Form PDF.’
  • Download the form — usually provided in English, Hindi, and many more regional languages.
  • Print it, fill in the details, and carry it to the branch.

Note: Most bank branches accept RTGS Fillable PDF self-printed forms. However, most tier-2 or tier-3 area branches ask you to fill again an available form at the counter.

How to Fill RTGS Form Step by Step

The top of the pay-in slip starts with the Branch name, date, time, your Fund amount in words and digits. Now, select the mode of payment, such as Cash, cheque, or deducted from a/c digitally. You can tick it. (Remember, not every method works for RTGS.)

Step 1: Enter Remitter Information (The sender A/c details here)

• Write your name clearly in CAPITAL LETTERS.
• Put down your account number (from which money will be debited).
• If using a cheque, write the cheque number and date.
• Cash is generally not allowed for RTGS (only for NEFT, up to ₹49,999).

2 Step: Beneficiary Details (Where your money will transfer)

• Full name of the beneficiary.
• Account number (enter twice to confirm).
• IFSC code of the beneficiary’s bank branch.
• Bank name and branch address.
• Mobile number for SMS updates.

Step 3: Choose Transaction Type

• Tick RTGS in the application box.
• Leave the NEFT option blank.

4 Step: Remarks

Banks provide remarks (salary, loan repayment, supplier payment, pension, etc.). Select the most suitable for you.

5 Step: Signature and Submission

• Sign the form as per your account records.
• Attach a cheque if paying by cheque.
• Submit the form at the branch and collect the acknowledgement slip.

Quick Example of a Written RTGS Form

Note: These are general steps that work on all receipts. If you want something specific, depending banks to banks, check below –

Bank-Specific RTGS Form Guides

What RBI Guidelines Say About RTGS

• RTGS is for large-value, time-sensitive transactions.
• ₹2 lakh minimum per transfer.
• Credit is based on the account number only, not the beneficiary name.
• Customers receive a UTR (Unique Transaction Reference) number for every RTGS transfer.
• Refunds for failed transactions must be processed quickly by the bank.

Using a Cheque for RTGS

• At most branches, RTGS is processed through cheque submission.
• Write a cheque in favour of “Yourself” and put down the exact RTGS amount.
• Submit this cheque along with the filled RTGS form.
• The bank debits your account and processes RTGS against the cheque details.

(Example: In SBI, you cannot do RTGS via cash; a cheque is mandatory.)

Customer Acknowledgement Slip

After submitting your RTGS form at the branch, the teller returns a stamped slip that includes:

• UTR number or Reference ID
• Date and time
• Amount transferred
• Branch seal and signature

Keep this safe until your beneficiary confirms receipt. It works as proof, and you can use it to track your request anytime.

What are the charges for RTGS Fund transfer?

The charges are basic and start from Rs. 20 + 18% GST; however, it only works at the branch, you may find higher upto Rs. 50, depending on account type and branch location. But RBI has capped them to keep costs reasonable.

Alternatively, you can choose Online Fund Transfer, it free of cost.

How Much Time Does RTGS Take

• Online RTGS: Credited instantly, usually within a 15-minute window.
• Branch RTGS: The approved timing is typically 30–60 minutes; however, you might find it extended if the branch has a heavy workload or any server delay. You may have to wait for the last 2 hours to complete it.
• RBI Guideline: RTGS operates 24×7, 365 days, so delays are usually operational, not system-based.

How to Do RTGS Online

Online RTGS is faster and doesn’t require physical forms. Here’s how:

1. Simply Open Your smartphone and log in to your Net Banking or Mobile Banking app.
2. Navigate to Fund Transfer in the Account section in the header.
3. Add a new beneficiary (enter name, account number, IFSC).
4. Wait for 30 mintues cooling period. (if applicable)
5. Select RTGS as the transfer mode.
6. Enter the transfer amount (check the first capped amount in terms below).
7. Confirm using OTP or PIN.
8. It will deduct from your savings account.
9. Note the Tick number generated.

Still Questions List