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!
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:
SBI RTGS Charges List PDF| Transfer Amount | Online Charge (YONO/Net Banking) | Branch Visit Charge (Incl. GST) |
|---|---|---|
| ₹1 Lakh | Not Allowed (Use NEFT/IMPS) | Not Allowed |
| ₹2 Lakh | ₹0 (Free) | ₹23.60 |
| ₹5 Lakh | ₹0 (Free) | ₹23.60 |
| ₹10 Lakh | ₹0 (Free) | ₹47.20 |
| ₹20 Lakh | ₹0 (Free) | ₹47.20 |
SBI RTGS Charges 2026: Fees, Limits & Transfers Process
For 2026, SBI applies the following RTGS fees based on the transaction method:
- Online RTGS (YONO/Net Banking): ₹0 (Completely Free)
- Branch Transfers (₹2 Lakh to ₹5 Lakh): ₹20 + 18% GST (Total ₹23.60)
- Branch Transfers (Above ₹5 Lakh): ₹40 + 18% GST (Total ₹47.20)
Sending a large sum of money quickly through the State Bank of India (SBI) is highly secure using Real-Time Gross Settlement (RTGS). But what exactly does RTGS involve, and what will it cost you? Understanding SBI's RTGS charges, timings, and transfer limits for 2026 is crucial—especially when deciding between online transfers and branch visits.
What Exactly is RTGS? (And Why Should You Care?)
RTGS stands for Real Time Gross Settlement. Let's break that down:
- Real Time: Unlike systems that process payments in batches, RTGS instructions are processed the moment your bank receives them.
- Gross Settlement: Each RTGS transaction is settled individually. This ensures your specific payment is handled immediately and independently by the Reserve Bank of India (RBI).
Because the final settlement happens directly in the RBI's records, RTGS payments are considered final and irrevocable. It is the best method for transferring amounts over ₹2,00,000.
Note: RTGS is specifically designed for SBI RTGS charges to other bank accounts. Standard inter-bank transfers are subject to these charges, whereas intra-bank (SBI to SBI) transfers typically do not require RTGS processing.
SBI RTGS Form: How to Fill & Submit via Cheque
If you prefer offline banking, you will need to submit an SBI RTGS form along with a cheque at your home branch. Using our SBI RTGS charges through cheque calculator (the tool above) will show you exactly what will be deducted from your account when processing the slip.
- ✅ Step 1: Download the SBI RTGS charges through cheque pdf / form or collect it directly from your local branch.
- ✅ Step 2: Fill in the Beneficiary Name, exact Account Number, and the 11-digit IFSC code.
- ✅ Step 3: Write a cheque for the transfer amount (minimum ₹2 Lakh) in favor of "Yourself for RTGS".
- ✅ Step 4: Submit the form and cheque. Remember, paying sbi rtgs charges through cheque incurs the standard ₹23.60 or ₹47.20 fee depending on the slab.
How RTGS Charges Are Calculated (Real-Life Scenarios)
Seeing the charges in action makes them easier to understand. Let's look at two common high-value scenarios for branch transactions:
- Scenario 1: Buying a Vehicle (₹3,50,000 Transfer)
If you visit an SBI branch to transfer ₹3.5 Lakh to a dealership:
- Base processing fee: ₹20.00.
- Add 18% GST: ₹3.60.
- Total RTGS charge deducted from your account: ₹23.60.
- Scenario 2: Business Vendor Payment (₹15,00,000 Transfer)
If you visit a branch to pay a supplier ₹15 Lakhs:
- Base processing fee (Above ₹5 Lakh slab): ₹40.00.
- Add 18% GST: ₹7.20.
- Total RTGS charge deducted: ₹47.20.
The Smart Online Advantage: In both of these real-life scenarios, using SBI's online banking portal or the YONO app drops the charge to exactly ₹0.
SBI RTGS Charges vs Other Top Banks
How does the State Bank of India compare to other major players like HDFC and ICICI when it comes to high-value transfer fees?
| Bank Name | Online RTGS Charges | Branch RTGS Charges (Approx.) |
|---|---|---|
| State Bank of India (SBI) | ₹0 (Free) | ₹23.60 - ₹47.20 |
| HDFC Bank | ₹0 (Free) | ₹17.70 - ₹41.30 |
| ICICI Bank | ₹0 (Free) | ₹23.60 - ₹53.10 |
Note: Since January 2020, the Reserve Bank of India (RBI) mandated that all banks must waive RTGS and NEFT charges for online savings account transfers. Therefore, online transfers are universally free across major banks. Branch charges, however, remain at the discretion of the individual bank.
SBI RTGS Timings & Limits for 2026
Timings
Online Availability: 24x7x365. Transfers initiated through Internet Banking or the YONO app are available 24 hours a day, including weekends and public holidays.
Branch Availability: Restricted to the branch's specific working hours (usually Monday to Friday, and non-holiday Saturdays).
Transfer Limits
- Minimum Transfer Amount: The absolute minimum amount you can send via RTGS is ₹2,00,000.
- Maximum Transfer Amount: The RBI does not set an upper limit. However, SBI imposes its own online daily limits based on your account type (e.g., typically a ₹10 Lakh daily limit for standard retail/small business accounts). Check your online banking profile to verify your specific daily limit.
Frequently Asked Questions
What are SBI RTGS charges in 2026?
For 2026, SBI charges nothing (₹0) for RTGS transfers made online via Internet Banking or the YONO app. If you make the transfer at an SBI branch, the charge is ₹20 + 18% GST (Total ₹23.60) for amounts from ₹2 Lakh up to ₹5 Lakh, and ₹40 + 18% GST (Total ₹47.20) for amounts above ₹5 Lakh.
How to use the RTGS charges calculator?
Using our rtgs charges sbi calculator is incredibly simple. Just enter your transfer amount (which must be at least ₹2,00,000), select whether you are performing the transaction Online or at a Branch, and click 'Calculate RTGS Charges'. The tool instantly displays the Base Charge, the 18% GST, and the Total RTGS Fees.
What are RTGS charges in SBI?
RTGS charges in SBI are processing fees applied to high-value transactions over ₹2 Lakh. While the RBI mandates the system, SBI determines the service fees. They are completely waived for digital transactions to promote online banking but remain capped at a maximum of ₹47.20 (including GST) for physical branch visits.
Can I do RTGS through the YONO SBI app?
Yes, absolutely. The YONO SBI app fully supports RTGS transfers. It’s available 24/7, and like other online channels, RTGS transfers via YONO are free of charge.
Is SBI RTGS available 24/7?
Yes, for online RTGS transfers made via SBI Internet Banking and the YONO app, the service is available 24 hours a day, 7 days a week, including holidays. RTGS transfers made at an SBI branch are only possible during the branch’s working hours.