When it comes to transferring large amounts of money instantly, RTGS (Real Time Gross Settlement) is one of the most trusted systems in India. Karnataka Bank, a well-established private sector bank, offers a reliable RTGS facility that ensures fast, secure, and high-value transactions.
In this article, we will cover Karnataka Bank RTGS charges, timings, limits, and how to transfer funds, helping you understand the process clearly.
What Is RTGS?
RTGS stands for Real Time Gross Settlement, a system regulated by the Reserve Bank of India (RBI). It allows instant transfer of funds on a one-to-one basis, meaning transactions are processed individually without delay.
RTGS is ideal for:
- High-value transactions (₹2 lakh and above)
- Business payments and vendor settlements
- Property transactions
- Urgent fund transfers
Funds are usually credited in real time, making RTGS one of the fastest payment methods in India.
Karnataka Bank RTGS Charges
Karnataka Bank follows RBI-aligned pricing for RTGS transactions.
Online RTGS Charges
- Internet Banking / Mobile Banking: Generally Free or minimal charges
Most banks encourage digital transfers, and online RTGS is usually cost-effective.
Branch RTGS Charges
| Transaction Amount | Charges (Excl. GST) |
| ₹2 lakh – ₹5 lakh | ₹25 |
| Above ₹5 lakh | ₹50 |
- Inward RTGS (receiving funds): Free
For regular users, online RTGS remains the most economical option.
Karnataka Bank RTGS Timings
Online RTGS Timings
As per RBI guidelines, RTGS is available 24×7, 365 days via:
- Internet Banking
- Mobile Banking
This allows customers to transfer funds anytime, even on weekends and holidays.
Branch RTGS Timings
- Monday to Friday: 8:00 AM – 4:30 PM
- Saturday: 8:00 AM – 4:30 PM (except 2nd & 4th Saturday)
Transactions initiated after cut-off time are processed on the next working day.
Karnataka Bank RTGS Limits
RTGS is designed for large-value transactions.
| Parameter | Details |
| Minimum Amount | ₹2,00,000 |
| Maximum Limit | No upper limit (RBI rule) |
- Minimum ₹2 lakh is mandatory for RTGS transactions
- There is no maximum cap, making it suitable for very large transfers
Digital Limits
- Mobile banking RTGS limit: Around ₹10 lakh per day
How to Transfer Money via RTGS in Karnataka Bank
You can transfer funds via RTGS through online banking or by visiting a branch.
Method 1: Online (Net Banking / Mobile Banking)
Step 1 — Login
- Visit the official website: https://karnatakabank.bank.in/
- Login to your Net Banking account or mobile banking app.
Step 2 — Add Beneficiary
Go to Funds Transfer → Add Beneficiary and enter:
- Beneficiary Name
- Account Number
- IFSC Code
Activation may take some time for security purposes.
Step 3 — Initiate RTGS Transfer
- Select RTGS option
- Choose beneficiary
- Enter amount (minimum ₹2 lakh)
Step 4 — Authenticate
Confirm using OTP or transaction password.
Step 5 — Confirmation
After successful transfer, you will receive a UTR (Unique Transaction Reference) number for tracking.
Method 2: Branch Transfer
- Visit the nearest Karnataka Bank branch
- Fill out the RTGS form
- Provide beneficiary details
- Submit the form
- Collect acknowledgment slip
Benefits of RTGS with Karnataka Bank
- Instant transfer: Real-time settlement
- Secure system: RBI-regulated
- High-value transactions: No upper limit
- Free inward transfers: No charge for receiving funds
- Convenient options: Available online and offline
Important Tips for Users
- Always verify the beneficiary account number and IFSC code
- Use online banking for faster and cheaper transactions
- Keep the UTR number safe for tracking
- Add beneficiaries in advance to avoid delays
Conclusion
Karnataka Bank’s RTGS service is a fast, secure, and efficient solution for transferring large amounts of money. With reasonable charges, real-time processing, and flexible limits, it is ideal for both personal and business needs.
For the best experience, use internet or mobile banking, as it allows instant transfers with minimal or zero charges. Whether you are making urgent payments or handling high-value transactions, Karnataka Bank RTGS ensures smooth and reliable fund transfers.
