NEFT & RTGS Timings

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InterBank - Third Party Funds Transfer

You may use this option to transfer funds to any Third Party (Beneficiary) holding an account with a bank other than Kotak Mahindra Bank, if the beneficiary's bank participates in RBI National Electronic Funds Transfer (RBI - NEFT). These funds transfers are executed using Reserve Bank of India's InterBank Transfer Scheme.

Please note:

  • Your account will be debited online. Requests received before 6:00 pm IST on all Mumbai working days (Monday to Friday) and 12:00 pm IST on working Saturdays in Mumbai will be sent by us to RBI in the respective clearing cycles.
  • The time taken to credit the Beneficiary's account will be dependant on the time taken by the Beneficiary's Bank to process the payment.

RTGS - Real Time Gross Settlement

You may use this option to transfer funds to any Third Party (Beneficiary) holding an account with a bank other than Kotak Mahindra Bank, if the beneficiary's bank participates in RBI Real Time Gross Settlement (RBI - RTGS). These fund transfers are executed using Reserve Bank of India's InterBank Transfer Scheme.

Please note:

  • For requests received on any RTGS business day before 4 pm IST on Monday to Friday and on working Saturdays, your account will be debited online and request will be sent by us to RBI on the same day.
  • Requests received after cut-off time or on holidays will be processed on the next RTGS business day. Your account will be debited only when the request is processed, subject to availability of clear funds.