SBI RTGS Charges Calculator 2026
Key Points to Remember
- Minimum Transfer Limit: ₹2,00,000 (No maximum limit set by RBI).
- Online RTGS: 100% Free via YONO App or SBI Net Banking.
- Branch RTGS: Costs between ₹23.60 and ₹47.20.
- Taxes: All branch transaction fees include an 18% GST component.
Need to send a large sum of money securely? Using our SBI RTGS charges calculator helps you instantly determine the exact fees for your high-value transactions. Whether you want to know the RTGS charges SBI applies for branch visits or online transfers, this RTGS calculator provides accurate, real-time data for 2026. Understanding the exact RTGS charges in SBI allows you to plan your electronic payments perfectly without any unexpected deductions. Simply enter your amount in the tool above to get started!
For a detailed explanation of how RTGS works, including the step-by-step settlement process, see our guide: How RTGS Works in India.
How to Use the SBI RTGS Calculator
Using the tool above is incredibly straightforward and gives you real-time data:
- Enter the exact amount: Input the value you plan to transfer in the ‘Transaction Amount’ field (must be a minimum of ₹2,00,000).
- Select the method: Choose between ‘Online (YONO / Net Banking)’ or ‘Branch Visit’ from the dropdown menu.
- Click Calculate: The calculator will instantly display the estimated charges below.
- Review the Breakdown: You will clearly see the Base Charge, the 18% GST component, and the Total Charges applicable.
SBI RTGS Charges for Different Amounts (2026)
Search volume indicates many users look for exact fees tied to specific transfer values. Here is a quick reference guide for common RTGS transfer amounts using SBI:
| Transfer Amount | Online Charge (YONO/Net Banking) | Branch Visit Charge (Incl. GST) |
|---|---|---|
| ₹1 Lakh | Not Allowed (Use NEFT/IMPS) | Not Allowed (Use NEFT/IMPS) |
| ₹2 Lakh to ₹5 Lakh | Free (₹0) | ₹23.60 (₹20 Base + 18% GST) |
| Above ₹5 Lakh (e.g. ₹10 Lakhs) | Free (₹0) | ₹47.20 (₹40 Base + 18% GST) |
| ₹20 Lakhs and Above | Free (₹0) | ₹47.20 (₹40 Base + 18% GST) |
Why is Online RTGS Free at State Bank of India?
In accordance with guidelines issued by the Reserve Bank of India (RBI), state and private commercial banks are directed to promote digital transaction rails. To achieve this, SBI has waived 100% of the processing fee for RTGS transactions initiated via internet banking, mobile applications, and YONO platforms. This can save you substantial operational money on high-frequency transactions over time.
Taxes & GST on Branch RTGS Transfers
When you initiate an RTGS transfer at an SBI branch using a physical request slip or cheque, a standard base fee applies based on the transaction volume slab. Crucially, a flat **18% Goods and Services Tax (GST)** is levied on this base commission fee. For example:
- Under ₹5 Lakh: Base charge ₹20.00 + 18% GST (₹3.60) = **₹23.60** total.
- Above ₹5 Lakh: Base charge ₹40.00 + 18% GST (₹7.20) = **₹47.20** total.
SBI RTGS Limits and Timings in 2026
RTGS operates 24x7x365 across India, including national holidays. However, individual branches may set physical cutoffs based on standard operation hours. The standard operational rules are:
- Minimum Value: ₹2,00,000 per transaction.
- Maximum Limit: No limit set by RBI, but SBI Retail Internet Banking typically caps daily transactions at ₹10 Lakhs per user. Corporate net banking users can scale this limit up depending on their tier.
- Processing Window: Online settlements are processed instantly. Branch visits are subject to standard clearing windows.
Frequently Asked Questions
What is the exact RTGS charge in SBI with GST?
For transfers initiated online via SBI YONO or net banking, the charge is absolutely ₹0. If you visit a branch physically, you pay ₹23.60 (for amounts between ₹2 Lakh and ₹5 Lakh) or ₹47.20 (for transfers above ₹5 Lakh). Both branch rates are fully inclusive of the 18% GST.
Can we transfer ₹1 Lakh through RTGS in SBI?
No, RTGS has a strict minimum transaction limit of ₹2,0,000. For transferring ₹1 Lakh or any other amount below ₹2 Lakhs, you should use NEFT or IMPS, which have no minimum limits.
Are RTGS charges the same for SBI Current Accounts?
Yes, the base commission rates for branch-initiated RTGS transactions are standardized for both Savings and Current accounts. However, corporate net banking accounts may have custom tariff packages depending on their corporate agreements with SBI.
How long does an SBI RTGS transfer take to credit?
Since RTGS stands for “Real-Time Gross Settlement,” the settlement happens transaction-by-transaction in real time. Under RBI guidelines, the beneficiary’s bank must credit their account within 30 minutes of receiving the transfer.