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Saloni Dhumne

Content Writer - Personal Finance

A former journalist by profession, I live by the power of the written word. Specializing in personal finance, I simplify wealth planning for individuals looking to grow their money effectively. Beyond my work, I eagerly seize any opportunity to travel, exploring offbeat destinations and embracing new experiences.

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The latest articles by Saloni Dhumne


Yes Bank RTGS Form - How To Download The Yes Bank RTGS Form?
Updated on Apr 15th, 2026 | 10 min read

Yes Bank Real Time Gross Settlement (RTGS) facility is used for high-value fund transfers across India. Customers who prefer offline transfers need to submit the RTGS form at the branch, while the form can also be downloaded online from the official website.Key HighlightsAvailability: RTGS is available 24×7, with occasional short maintenance windows.Branch Charges: ₹25 (₹2–5 lakh) and ₹50 (above ₹5 lakh), excluding GST.Online Option: RTGS through net banking and mobile app is generally free of charge.Transfer Mode: Supports both branch-based (offline) and digital (online) RTGS transfers.What is the Yes Bank RTGS Form?The Yes Bank RTGS form is used to initiate high-value fund transfers through the RTGS system. It contains key details such as sender information, beneficiary details, account number, IFSC code, and authorization signature.The form is required only for branch-based transfers of ₹2 lakh and above. Online RTGS does not require any physical form.How to Download the Yes Bank RTGS Form?The RTGS form can be downloaded from the official website and used for branch submission.Log into your net banking account thourgh official website of Yes Bank.Look for the download option for the Yes Bank RTGS form.Download the form to your device and print it to fill in the information.Yes Bank RTGS Form PDF DownloadAll customers opting for RTGS fund transfers must download the Yes Bank RTGS form online to initiate the process. You can refer to the given link to download the same:Yes Bank RTGS Application FormHow to Fill Yes Bank RTGS Form?After you print the Yes Bank RTGS form PDF, you can follow these steps to fill out the Yes Bank RTGS form:Enter branch name, date, and time of submissionFill sender account detailsSelect RTGS transaction typeEnter beneficiary details: name, bank name, branch, IFSC code, and account numberSelect account type (SB, CA, CC, OD, NRE, etc.)Enter transfer amount in numbers and wordsMention purpose of transfer (if required)Sign the form and add mobile number and PANYes Bank RTGS Form SignatureSignature is very important in authenticating the transaction.


Bank of Baroda RTGS Form - How to Download BOB RTGS Form?
Updated on Apr 14th, 2026 | 10 min read

Real Time Gross Settlement (RTGS) in Bank of Baroda is used for transferring large amounts between bank accounts across India. The transfer can be done instantly, either through online banking or by submitting the RTGS form at a branch.Key HighlightsMinimum Amount: ₹2 lakh; no upper limit on transfers.Branch Charges: Time-based pricing for offline RTGS transactions.Mode of Transfer: Available via net banking/mobile app and branch submission.Processing Mode: Instant settlement without batch processing.Availability: 24×7 for online RTGS; branch hours apply for offline.What is the BOB RTGS Form?The BOB RTGS form is used to initiate offline RTGS transfers at a branch. It includes details like account information, beneficiary details, transfer amount, and signature.How to Download the BOB RTGS Form?Bank of Baroda customers can download the RTGS form online and use it for branch-based transfers.Steps to download the form:Navigate to the ‘Download Forms’ section from the Bank of Baroda official website.Locate the RTGS/NEFT Pay-in Slip in the list of available forms.Click on the download option to get the PDF file.How to Fill the BOB RTGS Form?Once you have the form, fill it carefully with accurate details to avoid any delays or rejection.Start by entering the branch name, date, and time of submissionFill in your account number (sender details)Select the RTGS transaction option on the formEnter beneficiary details, name, bank name and branch, IFSC code, and account numberWrite the beneficiary account number again for confirmationSelect the account type (SB, CA, CC, OD, NRE, etc.)Enter the transfer amount clearly in numbers and wordsMention the purpose of the transfer (if required)Sign the form and provide your mobile number and PANBOB RTGS Form PDF Download To initiate the process, all customers opting for RTGS fund transfers must download the Axis Bank RTGS form online. You can refer to the link given below:rtgs-neft-payinslip.pdfBOB RTGS Documents RequiredThe following are important documents that you must require when filling out the BOB RTGS form or submitting it to the bank:The beneficiary’s cheque leaf.Your Bank of Baroda passbook.Duly filled form of the BOB RTGS.Identification documents, such as PAN card, Aadhaar card, etc.BOB RTGS Form Filling SampleThe following is a sample of the Bank of Baroda RTGS form download for your reference:BOB RTGS Form SignatureSignatures play a crucial role in authenticating the transaction. Ensure your signature matches the one registered with your Bank of Baroda account.


Axis Bank RTGS Form - How to Download Axis Bank RTGS Form?
Updated on Apr 14th, 2026 | 9 min read

Axis Bank provides the Real Time Gross Settlement (RTGS) facility for high-value fund transfers. To use this service offline, customers need to fill out and submit the Axis Bank RTGS form at their nearest branch.Key HighlightsForm Availability: Download online or collect from an Axis Bank branch.Minimum Amount: ₹2 lakh per RTGS transaction.Mode of Use: Mandatory for branch-based RTGS transfers.Charges: Free online; ₹25 (₹2–5 lakh) and ₹50 (above ₹5 lakh) at branch.Timings: 24×7 for online RTGS; branch hours apply for offline.What is the Axis Bank RTGS Form?The Axis Bank RTGS form is used to initiate offline RTGS transfers at a branch. It includes key details like account information, beneficiary details, transfer amount, payment mode, and customer signature.The form can be collected from a branch or downloaded online. The minimum RTGS amount is ₹2 lakh, with no upper limit. RTGS is available 24×7.How to Download Axis Bank RTGS Form?Instead of visiting a bank branch, you can download a copy of the Axis Bank RTGS form PDF from the bank’s official website.Navigate to ‘Other Links’ located at the footer of Axis Bank website, click on the option ‘Download Forms’.Find the ‘NEFT/RTGS’ form link and click on it.


SBI RTGS Form - How to Download SBI RTGS Form?
Updated on Apr 14th, 2026 | 10 min read

The SBI RTGS form is used to initiate high-value fund transfers of ₹2 lakh or more through a bank branch. It can be downloaded online or collected from an SBI branch to authorise the transaction.Key Highlights:Form Availability: Download online or collect from SBI branchMinimum Amount: ₹2 lakh per RTGS transactionMode of Use: Required for branch-based RTGS transfersCharges: Free online; ₹20 + GST (₹2–5 lakh), ₹40 + GST (above ₹5 lakh) at branchTimings: 24×7 online; branch hours apply for offlineWhat is the SBI RTGS Form?The SBI RTGS form is a request form used to process RTGS transactions at a bank branch. It contains key details such as the sender’s account information, beneficiary details, transfer amount, and authorisation through signature.SBI generally does not charge fees for RTGS transactions made online through Internet banking or the YONO app. How to Download the SBI RTGS Form?The SBI RTGS form download process is simple and accessible through various channels. They are discussed as follows:OnlineHere are the steps to follow to download RTGS form using SBI’s website:Visit the official website of the State Bank of India.Navigate through the home page, and click on ‘Personal Banking’.Select the ‘RTGS NEFT’ option.On the page you are redirected, scroll down and click on ‘Download Application Form’ to get the RTGS form.OfflineYou can also get the RTGS form using the offline mode. Here are the steps:At the nearest SBI branch, request a hard copy of the RTGS form from the counter.Fill out the form with all necessary details and sign it. Submit it at the counter.SBI RTGS Form PDF DownloadAll customers opting for RTGS fund transfers must download the SBI RTGS form online to initiate the process.


RTGS Limit: How to Increase RTGS Per Day Transfer Limit?
Updated on Apr 14th, 2026 | 6 min read

RTGS limit refers to the minimum and maximum amount that can be transferred through the Real-Time Gross Settlement system, either per transaction or within a day. These RTGS limits vary based on the bank, account type, and transfer mode, helping manage high-value fund transfers securely.Key HighlightsMinimum Limit: RTGS transactions require a minimum amount of ₹2 lakh.Maximum Limit: No upper limit set by RBI; banks define their own caps.Per Day Limit: Varies based on bank, account type, and transfer mode.Use Case: Suitable for transferring large amounts securely and efficiently.Limit Increase: Can be requested through bank channels based on eligibility.What is RTGS Limit?RTGS limit defines the minimum and maximum amount that can be transferred through the RTGS system in a single transaction or within a day. These limits are set to regulate high-value transfers and vary based on the bank and account type.What is RTGS Minimum Limit?The minimum amount for an RTGS transaction is ₹2,00,000. It ensures the system is primarily used for high-value transfers, distinguishing it from other payment systems like NEFT, which handles smaller amounts. NEFT or IMPS are better alternatives for businesses and individuals requiring lower transfers.What is RTGS Maximum Limit?The RTGS maximum limit varies by bank and account type.


HDFC RTGS Form - How To Download HDFC Bank RTGS Form?
Updated on Apr 14th, 2026 | 5 min read

The HDFC RTGS form is required to initiate an offline RTGS transfer at a bank branch. It can be downloaded from the HDFC Bank website or collected directly from a branch.Key HighlightsForm Download: Form Can be downloaded online or collected at the branch.Minimum Amount: ₹2 lakh per RTGS transaction.Details Required: Sender details, beneficiary details, IFSC, amount, and purpose.What is HDFC RTGS Form?The HDFC RTGS form is a request form used to transfer funds through RTGS via a bank branch. It contains essential details such as the sender’s account information, beneficiary details, transfer amount, and authorisation through signature.How to Download HDFC RTGS Form?Customers wishing to avail themselves of the RTGS fund transfer service from their HDFC accounts can complete the HDFC RTGS form download online by following these steps:Navigate to the " Resources " option available at footer of the official website of HDFC Bank.Now select the “Form Centre” option.From the drop-down menu that appears, click on the option called “Forms for Personal Banking”.Navigate to the “Common Requests” section under “Personal Banking” and expand to see more.Click on “RTGS-NEFT Combine Form” link, and your RTGS form will be downloaded to your device.How to Fill HDFC RTGS Form?When filling the HDFC Bank RTGS form, ensure accuracy to avoid rejection or delays. You must keep the following points in mind while filling out the HDFC Bank RTGS form:Enter the account holder’s name, account number, and branch details.Provide beneficiary details including name, account number, IFSC, and bank branch.Mention the exact transfer amount, ensuring it is ₹2 lakh or above.Select or mention the purpose of the transfer.Attach a cheque leaf if required by the branch.Sign the form as per bank records.Review all details carefully before submitting at the branch.HDFC RGTS Form SignatureSignatures play a crucial role in authenticating the transaction. Ensure your signature matches the one registered with your HDFC account.


RTGS Charges: Check Out RTGS Transfer Charges
Updated on Apr 14th, 2026 | 12 min read

RTGS charges are the fees applicable when using the Real Time Gross Settlement system for transferring high-value funds between bank accounts. Online RTGS transactions through internet and mobile banking are exempt from charges as per RBI guidelines. RTGS transaction charges may apply for offline or branch-based transfers.Key HighlightsOnline Charges: RTGS transfers through internet and mobile banking are free.Offline Charges: Applicable for branch-based transfers within RBI limits.Charge Slabs: Up to ₹25 for ₹2–5 lakh and up to ₹50 for above ₹5 lakh.GST Applicability: GST is charged only on applicable service fees.RTGS ChargesRTGS charges depend on how the transfer is initiated. As per RBI guidelines, online RTGS transactions through internet and mobile banking are free. Charges may apply only for branch-based transfers, based on the transaction amount and bank policies.What are the Applicable Fees for RTGS Transactions?RTGS charges depend on the mode of transfer.


RTGS Timings 2026: How Much Time Does RTGS Take?
Updated on Apr 10th, 2026 | 6 min read

Real-Time Gross Settlement (RTGS) is a secure and fast electronic method for transferring high-value funds. RTGS timings are 24/7, ensuring funds are transferred quickly. The RTGS transfer time is typically under 30 minutes. Users can initiate transactions anytime.Key HighlightsRTGS Availability: 24x7, including weekends and bank holidays.Transfer Speed: Real-time processing, typically completed within 30 minutes.Transaction Limit: No upper limit for fund transfers.Access Channels: Available via internet banking and mobile banking.Use Case: Suitable for high-value and time-sensitive transactions.RTGS Timings in 2026RTGS is available round the clock on all days, including weekends and bank holidays. Transfers can be initiated through online banking channels without visiting a branch.How Long does RTGS Transfer Take?RTGS transactions are processed in real time.


Everything About SBI RuPay Debit Card
Updated on Mar 17th, 2026 | 11 min read

SBI RuPay Debit Card is a secure, affordable, and widely accepted payment card powered by NPCI’s RuPay network. It allows cash withdrawals, POS payments, online shopping, and UPI linkage. Customers can choose from different variants like Virtual, Platinum, and co-branded cards with different SBI RuPay debit card limits. Key Highlights:Variants: SBI offers Virtual, Platinum International, and IOCL co-branded RuPay debit cards.Limits: Daily withdrawal and spending limits range from Rs. 20,000 to Rs. 5,00,000 depending on the card type.Global Usage: RuPay Global and Platinum cards are enabled for international payments.Charges: Issuance and annual fees differ by card (Nil–Rs.


How To Check Aadhaar e-KYC Online And Offline?
Updated on Feb 12th, 2026 | 8 min read

Aadhaar e-KYC is a digital identity verification process that allows authorised institutions to authenticate individuals using Aadhaar details. The Aadhaar e-KYC online process can be completed through OTP or biometric authentication. The e-KYC Aadhaar verification can be done both online and offline with your consent. Key Highlights:Used For: Banking, SIM activation, mutual funds, insurance, loansAuthentication Requirement: Registered mobile number for OTP methodData Source: Verified UIDAI databaseCost: Free of chargeWhat is Aadhaar e-KYC?Aadhaar e-KYC is an electronic Know Your Customer process that verifies an individual’s identity using Aadhaar authentication. Authorised agencies access your demographic and biometric details directly from the UIDAI database after receiving your consent.It eliminates paperwork and enables instant identity verification.Why does Aadhaar e-KYC Matter?Aadhaar e-KYC is widely used for:Opening bank accountsActivating SIM cardsMutual fund and Demat account registrationInsurance policy issuanceLoan processingGovernment scheme verificationIt speeds up onboarding, reduces fraud, and ensures regulatory compliance.How to Complete Aadhaar eKYC Online?To complete your Aadhaar e-KYC process online, you can proceed by following the given simple steps.Using BiometricsStep 1: Provide your Aadhaar card to the service provider, who will note your Aadhaar number or UID (Unique Identification Number).Step 2: The service provider will capture your retinal image and fingerprints using a biometric scanner.Step 3: Your biometric information will be matched with the existing data recorded during your Aadhaar or UID card registration.Step 4: The data will be sent to UIDAI for verification.Step 5: Once the details match, the verification process will be completed.Using OTP AuthenticationStep 1: Provide your Aadhaar card to the service provider, who will note your Aadhaar number or UID (Unique Identification Number).Step 2: UIDAI will send an OTP to your registered mobile number.Step 3: Enter the OTP into the device provided by the service provider.Step 4: Once the OTP is verified, the verification process will be completed.Types of Aadhaar e-KYCThere are two kinds of Aadhaar e-KYC that you can consider. They are as follows:Using Biometrics: During this process, you will have to provide your 12-digit Aadhaar number and your biometric data which include fingerprints and iris scan.Using OTP: Through this process, you will need to provide your 12-digit Aadhaar number and you will get an OTP on the registered mobile number (linked with your Aadhaar card at the time of registration), using which your verification process will be completed.


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