Payment Methods
What is RTGS?
Real Time Gross Settlement · रियल टाइम ग्रॉस सेटलमेंट
RBI's large-value instant settlement system with a ₹2 lakh minimum — the heavyweight rail.
RTGS settles each instruction individually and immediately in RBI's books — 'gross' meaning no netting against other transfers. It is reserved for serious money: the minimum ticket is ₹2 lakh with no upper limit.
Available 24×7 since December 2020, RTGS is what businesses use for property deals, high-value supplier payments, and statutory deposits where certainty and finality matter more than convenience. There is no VPA here — you need exact account number and IFSC.
RTGS: quick answers
Is there a maximum RTGS amount?
No upper limit — the ₹2 lakh minimum is the only size constraint.
Can RTGS fail or reverse?
Transfers are final. If details are wrong, recovery depends on the receiving bank's goodwill, so triple-check account numbers.
Use it right now