How does State Bank of India (SBI) RTGS fund transfer work?

RTGS (Real Time Gross Settlement) at State Bank of India (SBI) 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 SBI RTGS form online and download a print-ready PDF in under 2 minutes.

What is the minimum and maximum RTGS limit at State Bank of India (SBI)?

The minimum RTGS transfer amount at State Bank of India (SBI) 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 State Bank of India (SBI) RTGS form?

To fill the State Bank of India (SBI) 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 State Bank of India (SBI), RTGS is the most reliable method as funds reach the beneficiary instantly.

Can I cancel a State Bank of India (SBI) RTGS transaction after submission?

No — RTGS transactions are irrevocable once processed by State Bank of India (SBI). 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 State Bank of India (SBI) RTGS charges at the branch?

State Bank of India (SBI) RTGS charges at branch: For ₹2 lakh to ₹5 lakh — ₹20 + GST. For above ₹5 lakh — ₹40 + GST. All charges are subject to 18% GST. RTGS & NEFT are FREE when initiated via SBI YONO or Internet Banking Charges are subject to change; verify the latest schedule at your SBI branch.

State Bank of India (SBI) RTGS Form Online – Fill & Download PDF

State Bank of India (SBI) is India's largest public sector bank, with over 22,000 branches and 62,000+ ATMs across the country. Established in 1955, SBI serves more than 50 crore customers and handles the highest volume of RTGS, NEFT, and IMPS transactions in India. SBI's cash and cheque deposit slips follow a standardised format accepted at all SBI branches nationwide.

Use Saved Accounts Pro Feature

Select your saved accounts and auto-fill the form in one click

Saved Remitter Account

Saved Beneficiary Account

New here? Login or create an account to save your accounts and save time.

Work 10x Faster with Pro

Save unlimited remitter accounts
Save unlimited beneficiary accounts
One-click form filling
Generate in under 10 seconds

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*

IFSC found!Save this beneficiary to your free Address Book — skip this lookup forever.

Save account

Form downloaded! ✓

Next time, fill this in 5 seconds — save your remitter & beneficiary accounts once, reuse them forever. Free to start.

Get started — free

Important Guidelines

The customer shall be responsible for the accuracy of the account number.
I/We have checked the details of the instructions, particulars, and application, and I/We shall be liable to compensate the participant for any loss arising on account of any error in the payment order, amendment, or cancellation.
The transfer is effected for legitimate personal or business needs.
I/We understand that in case the payee branch does not have NEFT facility, the funds will be credited back to my/our account once returned by the destination bank.
I/We agree that in the event of any delay in the completion of the funds transfer or any loss on account of an error in the execution of the funds transfer pursuant to my/our payment order, the participant's liability shall be limited to the extent of the amount involved in the funds transfer plus interest (at the RBI LAF Repo rate) for the period of delay.
I/We also agree to abide by all the other terms and conditions contained in prior agreements, application forms, or other terms/rules/regulations governing NEFT transactions as enumerated by RBI.
Applications/messages received after business hours will be processed on the next working day.
SBI shall not be responsible for any delay in processing the payment due to RBI RTGS/NEFT system unavailability, failure of the internal communication system at the recipient bank/branch, incorrect information provided by the remitter, or any incorrect credit accorded by the recipient bank/branch due to incorrect information provided by the remitter.
The remitting branch shall not be liable for any loss or damage resulting from delay in transmission, delivery, or non-delivery of electronic messages, any mistake, omission, or error in transmission or delivery, any issue in deciphering the message, misinterpretation when received, or any action by the destination bank or any act beyond the control of the State Bank of India.
If the recipient branch is closed for any reason, the account shall be credited on the immediate next working day.
The bank is free to recover charges in respect of remittances returned due to faulty or inadequate information.
I/We have fully read the terms and conditions of the RTGS/NEFT remittance and shall abide by the same.

Disclaimer : AutoAOF is not official website of State Bank of India (SBI). It is an independent platform created to help users easily fill and generate RTGS forms online. The official website of bank is https://bank.sbi/. All logos, forms, and trademarks are property of State Bank of India (SBI).

State Bank of India (SBI) RTGS— Branch Charges & Limits

Branch Service Charges

₹2L – ₹5 Lakh	₹20 + GST
Above ₹5 Lakh	₹40 + GST

Transfer Details

Min Amount₹2,00,000

SettlementReal-time (instant)

Availability24x7 (online & branch)

Branch NoteBranch: 10 AM – 4 PM on working days

✓ RTGS & NEFT are FREE when initiated via SBI YONO or Internet Banking

ⓘ All charges + 18% GST. Verify latest rates at your SBI branch.

How to Fill State Bank of India (SBI) RTGS Form Online

Select Bank & Date: From the Bank Name dropdown, choose State Bank of India (SBI). 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 State Bank of India (SBI) branch. Ensure all details are correct before submission — RTGS transactions are irrevocable once processed.

Frequently Asked Questions (FAQs)

How does State Bank of India (SBI) RTGS fund transfer work?: RTGS (Real Time Gross Settlement) at State Bank of India (SBI) 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 SBI RTGS form online and download a print-ready PDF in under 2 minutes.
What is the minimum and maximum RTGS limit at State Bank of India (SBI)?: The minimum RTGS transfer amount at State Bank of India (SBI) 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 State Bank of India (SBI) RTGS form?: To fill the State Bank of India (SBI) 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 State Bank of India (SBI), RTGS is the most reliable method as funds reach the beneficiary instantly.
Can I cancel a State Bank of India (SBI) RTGS transaction after submission?: No — RTGS transactions are irrevocable once processed by State Bank of India (SBI). 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 State Bank of India (SBI) RTGS charges at the branch?: State Bank of India (SBI) RTGS charges at branch: For ₹2 lakh to ₹5 lakh — ₹20 + GST. For above ₹5 lakh — ₹40 + GST. All charges are subject to 18% GST. RTGS & NEFT are FREE when initiated via SBI YONO or Internet Banking Charges are subject to change; verify the latest schedule at your SBI branch.