Work out neft rtgs charges instantly with clear inputs, formula shown and shareable results.
Electronic transfer charges are slab-based on the amount, not proportional, so the cost as a share of value falls sharply with size. Real-time gross settlement is used for large values and carries a higher flat charge.
Transfer charge
Charge = slab fee for the mode and amount, plus tax on the fee
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.
Small and urgent transfers suit immediate payment services; large value transfers use real-time gross settlement.
Many banks waive charges on digital channels for retail customers — the slabs shown are the traditional maxima.