How does Punjab National Bank (PNB) RTGS fund transfer work?

RTGS (Real Time Gross Settlement) at Punjab National Bank (PNB) is a real-time, gross settlement system for high-value transactions above ₹2 lakh. Each transaction is settled individually and immediately — unlike NEFT which uses batch processing. RTGS operates 24x7, 365 days a year. With AutoAOF, you can fill your PNB RTGS form online and download a print-ready PDF in under 2 minutes.

What is the minimum and maximum RTGS limit at Punjab National Bank (PNB)?

The minimum RTGS transfer amount at Punjab National Bank (PNB) is ₹2,00,000 (₹2 lakh) as mandated by RBI. There is no maximum limit for RTGS transactions, though your account's per-day limit may apply. Amounts below ₹2 lakh are automatically processed via NEFT. AutoAOF detects this automatically and switches the form type.

What details are required to fill the Punjab National Bank (PNB) RTGS form?

To fill the Punjab National Bank (PNB) RTGS form, you need: (1) Your full name and account number (Remitter), (2) Your registered mobile number, (3) Beneficiary's full name, (4) Beneficiary's account number, (5) Beneficiary bank's 11-character IFSC code, (6) Transfer amount (minimum ₹2 lakh), and (7) Branch name. AutoAOF auto-validates the IFSC and fills the bank and branch name for you.

What is the difference between RTGS, NEFT, and IMPS?

RTGS is for high-value transfers (₹2 lakh and above) with real-time settlement — ideal for large property payments or business transfers. NEFT works for any amount, settles in 30-minute batches, and is free online. IMPS is instant for smaller amounts (up to ₹5 lakh). For large payments at Punjab National Bank (PNB), RTGS is the most reliable method as funds reach the beneficiary instantly.

Can I cancel a Punjab National Bank (PNB) RTGS transaction after submission?

No — RTGS transactions are irrevocable once processed by Punjab National Bank (PNB). Always verify the beneficiary account number, IFSC code, and amount before submitting. If the transaction fails due to an incorrect beneficiary account, the funds are automatically reversed to your account within 2 hours. AutoAOF's IFSC validation helps prevent errors before you print the form.

What are Punjab National Bank (PNB) RTGS charges at the branch?

Punjab National Bank (PNB) RTGS charges at branch: For ₹2 lakh to ₹5 lakh — ₹24.50 + GST. For above ₹5 lakh — ₹49.50 + GST. All charges are subject to 18% GST. RTGS & NEFT are FREE via PNB Internet Banking and PNB ONE app Charges are subject to change; verify the latest schedule at your PNB branch.

Punjab National Bank (PNB) RTGS Form Online – Fill & Download PDF

Punjab National Bank (PNB) is India's second-largest public sector bank, headquartered in New Delhi. Founded in 1894, PNB operates over 10,000 branches and 13,000+ ATMs across India. PNB processes millions of RTGS and NEFT transactions daily and is known for its wide rural and semi-urban banking reach. All PNB fund transfer and deposit forms are standardised as per RBI guidelines.

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Remitter Details

Bank Name*

Form Type*

Date*

Branch Name*

Remitter Name*

Remitter Account Number*

Remitter Mobile Number*

Cheque Number

Cheque Date

Amount*

Beneficiary Details

Beneficiary Name*

Beneficiary Account Number*

IFSC Code*

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Important Guidelines

I agree that the credit to the beneficiary account shall be accorded on the next day if the beneficiary bank and beneficiary branch is closed on account of holiday. I hereby agree that the Bank will not be held responsible in any way for unexecuted RTGS Request for the reasons beyond the control of Punjab National Bank or Reserve Bank of India , or both.
I/We hereby confirm the correctness of the details like beneficiary name, account number, and IFSC code of the beneficiary bank branch.
As per RBI guidelines, credit to the beneficiary account will be processed solely based on the account number provided, irrespective of the beneficiary name.
I/We am/are aware that the bank will get the valid discharge if the amount is credited to the beneficiary account number mentioned in the RTGS/NEFT application. The bank shall not be liable for any loss arising due to an incorrect IFSC code or mismatch in the beneficiary name, including spelling variations.
I/We declare that I/we am/are authorized to request the bank for RTGS/NEFT facility, and all persons authorized to operate the mentioned accounts are also authorized to present the RTGS/NEFT fund transfer application form as per the existing mode of operation. Any changes in the mode of operation shall be duly informed to the bank.
I/We confirm that I/we have read the terms and conditions for the RTGS/NEFT facility available on the bank's official website and agree that the use of the RTGS/NEFT facility shall be subject to and governed by these terms and conditions.
I/We undertake to stay updated on any revision made by the bank regarding fees and/or other charges levied for providing access to or allowing the use of the RTGS/NEFT facility. The revised charges shall be notified by hosting the same on the bank's website.

Disclaimer : AutoAOF is not official website of Punjab National Bank (PNB). It is an independent platform created to help users easily fill and generate RTGS forms online. The official website of bank is https://www.pnbindia.in/. All logos, forms, and trademarks are property of Punjab National Bank (PNB).

Punjab National Bank (PNB) RTGS— Branch Charges & Limits

Branch Service Charges

₹2L – ₹5 Lakh	₹24.50 + GST
Above ₹5 Lakh	₹49.50 + GST

Transfer Details

Min Amount₹2,00,000

SettlementReal-time (instant)

Availability24x7 (online & mobile banking)

Branch NoteBranch: subject to standard working hours

✓ RTGS & NEFT are FREE via PNB Internet Banking and PNB ONE app

ⓘ All charges + 18% GST. Verify latest rates at pnbindia.in.

How to Fill Punjab National Bank (PNB) RTGS Form Online

Select Bank & Date: From the Bank Name dropdown, choose Punjab National Bank (PNB). Verify the Form Type is set to RTGS. Enter today's date and the Branch Name where you will submit the form.
Fill Remitter Details: Enter your full name as it appears on your bank account, your Account Number, and your registered Mobile Number. Optionally enter the Cheque Number and Cheque Date if paying by cheque.
Enter Transfer Amount (Min ₹2 Lakh): Type the amount you wish to transfer in the Amount field. RTGS requires a minimum of ₹2,00,000. If you enter an amount below ₹2 lakh, the form will automatically switch to NEFT.
Fill Beneficiary Account & IFSC: Enter the beneficiary's full name, their Account Number, and their bank's 11-character IFSC Code. AutoAOF will automatically validate the IFSC and fill in the Beneficiary Bank and Branch Name.
Download & Submit at Branch: Click the Download button to get a print-ready PDF. Print the form, sign it, and submit it at your nearest Punjab National Bank (PNB) branch. Ensure all details are correct before submission — RTGS transactions are irrevocable once processed.

Frequently Asked Questions (FAQs)

How does Punjab National Bank (PNB) RTGS fund transfer work?: RTGS (Real Time Gross Settlement) at Punjab National Bank (PNB) is a real-time, gross settlement system for high-value transactions above ₹2 lakh. Each transaction is settled individually and immediately — unlike NEFT which uses batch processing. RTGS operates 24x7, 365 days a year. With AutoAOF, you can fill your PNB RTGS form online and download a print-ready PDF in under 2 minutes.
What is the minimum and maximum RTGS limit at Punjab National Bank (PNB)?: The minimum RTGS transfer amount at Punjab National Bank (PNB) is ₹2,00,000 (₹2 lakh) as mandated by RBI. There is no maximum limit for RTGS transactions, though your account's per-day limit may apply. Amounts below ₹2 lakh are automatically processed via NEFT. AutoAOF detects this automatically and switches the form type.
What details are required to fill the Punjab National Bank (PNB) RTGS form?: To fill the Punjab National Bank (PNB) RTGS form, you need: (1) Your full name and account number (Remitter), (2) Your registered mobile number, (3) Beneficiary's full name, (4) Beneficiary's account number, (5) Beneficiary bank's 11-character IFSC code, (6) Transfer amount (minimum ₹2 lakh), and (7) Branch name. AutoAOF auto-validates the IFSC and fills the bank and branch name for you.
What is the difference between RTGS, NEFT, and IMPS?: RTGS is for high-value transfers (₹2 lakh and above) with real-time settlement — ideal for large property payments or business transfers. NEFT works for any amount, settles in 30-minute batches, and is free online. IMPS is instant for smaller amounts (up to ₹5 lakh). For large payments at Punjab National Bank (PNB), RTGS is the most reliable method as funds reach the beneficiary instantly.
Can I cancel a Punjab National Bank (PNB) RTGS transaction after submission?: No — RTGS transactions are irrevocable once processed by Punjab National Bank (PNB). Always verify the beneficiary account number, IFSC code, and amount before submitting. If the transaction fails due to an incorrect beneficiary account, the funds are automatically reversed to your account within 2 hours. AutoAOF's IFSC validation helps prevent errors before you print the form.
What are Punjab National Bank (PNB) RTGS charges at the branch?: Punjab National Bank (PNB) RTGS charges at branch: For ₹2 lakh to ₹5 lakh — ₹24.50 + GST. For above ₹5 lakh — ₹49.50 + GST. All charges are subject to 18% GST. RTGS & NEFT are FREE via PNB Internet Banking and PNB ONE app Charges are subject to change; verify the latest schedule at your PNB branch.