How does UCO RTGS fund transfer work?

RTGS (Real Time Gross Settlement) at UCO 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 UCO RTGS form online and download a print-ready PDF in under 2 minutes.

What is the minimum and maximum RTGS limit at UCO?

The minimum RTGS transfer amount at UCO 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 UCO RTGS form?

To fill the UCO 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 UCO, RTGS is the most reliable method as funds reach the beneficiary instantly.

Can I cancel a UCO RTGS transaction after submission?

No — RTGS transactions are irrevocable once processed by UCO. 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 UCO RTGS charges at the branch?

UCO RTGS charges at branch: For ₹2 lakh to ₹5 lakh — ₹25 + GST. For above ₹5 lakh — ₹50 + GST. All charges are subject to 18% GST. RTGS & NEFT are FREE via online/mobile banking Charges are subject to change; verify the latest schedule at your UCO branch.

UCO RTGS Form Online – Fill & Download PDF

UCO Bank is a public sector bank headquartered in Kolkata, West Bengal, established in 1943. UCO Bank operates over 3,000 branches across India with a particularly strong presence in Eastern India and is one of the key banks serving West Bengal, Bihar, and Odisha. UCO Bank provides RTGS, NEFT, and IMPS fund transfer services, and accepts deposit forms at all its core banking branches.

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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

The customer shall be responsible for the accuracy of the particulars provided in the payment order issued by them and shall be liable to compensate the Bank for any loss arising due to any error in the payment order.
The customer shall ensure the availability of sufficient funds in their account for the payment order. If the Bank executes the payment order without sufficient funds in the customer's account, the customer shall be bound to pay the amount debited along with any charges, including interest payable by the Bank.
The customer hereby authorizes the Bank to debit their account for any liability incurred due to the execution of any payment order issued by them.
The customer agrees that the payment order becomes irrevocable once the Bank executes it.
No payment order issued by the customer shall be binding on the Bank until the Bank has accepted it and issued the counterfoil of the payment order to the customer.
The Bank shall not be liable for any loss or damage arising due to delays caused by system shutdowns, non-connectivity, batch processing, transmission errors, delivery failures, or any act beyond its control, including misinterpretation or actions by the destination bank.
The remitter must carefully check all payment instructions. As per RTGS rules, funds will be credited to the destination account number provided, even if the beneficiary's name does not match. The Bank shall not be liable for any loss or damage resulting from such discrepancies.
Messages received after the cut-off time will be processed on the next working day.
If there is a banking holiday at the destination center on the day the credit notification is received at the Treasury Branch, the funds will be credited to the beneficiary's account on the next working day with the value date of the previous working day.

Disclaimer : AutoAOF is not official website of UCO. It is an independent platform created to help users easily fill and generate RTGS forms online. The official website of bank is https://www.ucobank.com/. All logos, forms, and trademarks are property of UCO.

Related Forms : Also explore our UCO Cash Deposit Slip, UCO NEFT Form, and UCO Nomination Form.

UCO RTGS— Branch Charges & Limits

Branch Service Charges

₹2L – ₹5 Lakh	₹25 + GST
Above ₹5 Lakh	₹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 online/mobile banking

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

How to Fill UCO RTGS Form Online

Select Bank & Date: From the Bank Name dropdown, choose UCO. 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 UCO branch. Ensure all details are correct before submission — RTGS transactions are irrevocable once processed.

Frequently Asked Questions (FAQs)

How does UCO RTGS fund transfer work?: RTGS (Real Time Gross Settlement) at UCO 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 UCO RTGS form online and download a print-ready PDF in under 2 minutes.
What is the minimum and maximum RTGS limit at UCO?: The minimum RTGS transfer amount at UCO 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 UCO RTGS form?: To fill the UCO 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 UCO, RTGS is the most reliable method as funds reach the beneficiary instantly.
Can I cancel a UCO RTGS transaction after submission?: No — RTGS transactions are irrevocable once processed by UCO. 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 UCO RTGS charges at the branch?: UCO RTGS charges at branch: For ₹2 lakh to ₹5 lakh — ₹25 + GST. For above ₹5 lakh — ₹50 + GST. All charges are subject to 18% GST. RTGS & NEFT are FREE via online/mobile banking Charges are subject to change; verify the latest schedule at your UCO branch.