Karur Vysya Bank RTGS Charges, Timings, Limit & How to Transfer

When it comes to transferring large sums of money quickly and securely, RTGS (Real Time Gross Settlement) is one of the most efficient systems in India. Karur Vysya Bank (KVB), a trusted private sector bank, offers a reliable RTGS facility that ensures instant fund transfer for high-value transactions.

In this article, we will cover Karur Vysya Bank RTGS charges, timings, limits, and how to transfer money, helping you understand the service in detail.

What Is RTGS?

RTGS stands for Real Time Gross Settlement, a payment system regulated by the Reserve Bank of India (RBI). It allows funds to be transferred instantly and individually, without waiting for batch processing.

RTGS is ideal for:

• High-value transactions (₹2 lakh and above)
• Business payments and vendor settlements
• Property or investment transfers
• Urgent fund transfers

Funds are credited in real time or within a short duration, making it one of the fastest payment methods available.

Karur Vysya Bank RTGS Charges

Karur Vysya Bank follows a structured and transparent fee system for RTGS transactions.

Online RTGS Charges (Net Banking)

🏦 Branch RTGS Charges

• Inward RTGS (receiving money): Free
• Charges are subject to GST

Compared to many banks, KVB offers lower charges for online RTGS, making digital banking more cost-effective.

Karur Vysya Bank RTGS Timings

Online RTGS Timings

As per RBI guidelines, RTGS services are now available:

• 24×7, 365 days
• Including Sundays and bank holidays

This allows customers to transfer funds anytime using internet or mobile banking.

Branch RTGS Timings

• Monday to Friday: 8:00 AM – 4:30 PM
• 1st & 3rd Saturday: 8:00 AM – 4:30 PM
• 2nd & 4th Saturday & Sunday: Closed

Transactions initiated after cut-off time are processed on the next working day.

Karur Vysya Bank RTGS Limits

RTGS is designed for high-value transfers, and KVB follows RBI norms.

• Minimum ₹2 lakh is mandatory for RTGS
• There is no maximum cap, making it suitable for large payments

Digital Limits

• Mobile banking RTGS limit: Typically up to ₹5 lakh per transaction (can vary based on settings)

How to Transfer Money via RTGS in Karur Vysya Bank

You can transfer funds through RTGS using online banking or by visiting a branch.

Method 1: Online (Net Banking / Mobile App)

Step 1 — Login

• Visit the official website: https://kvb.bank.in/
• Login to your Net Banking account or mobile app.

Step 2 — Add Beneficiary

Go to Funds Transfer → Add Beneficiary and enter:

• Beneficiary Name
• Account Number
• IFSC Code

Beneficiary activation may take some time.

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

1. Visit the nearest Karur Vysya Bank branch
2. Fill out the RTGS form
3. Provide beneficiary details
4. Submit the form
5. Collect acknowledgment slip

Benefits of RTGS with Karur Vysya Bank

• Real-time transfer: Instant fund settlement
• Affordable charges: Lower fees for online transfers
• Secure system: Regulated by RBI
• High transaction capacity: No upper limit
• Multiple channels: Available via online and branch

Important Tips for Users

• Always verify the beneficiary account number and IFSC code
• Use net banking to save on charges
• Keep the UTR number safe for tracking
• Add beneficiaries in advance for urgent transfers

Conclusion

Karur Vysya 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 transactions.

For the best experience, opt for online RTGS, as it is cheaper and more convenient. Whether you are making urgent payments or handling high-value transactions, KVB ensures smooth and reliable fund transfers.