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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


Bank Of India RTGS Form - How To Download BOI RTGS Form?
Updated on Sep 15th, 2025 | 10 min read

The Bank of India RTGS form is a mandatory document for initiating offline Real-Time Gross Settlement (RTGS) transfers. Customers can obtain the form at any BOI branch or complete a Bank of India RTGS form PDF download from the official website. Once filled with beneficiary and remitter details, the form enables secure high-value transfers of Rs. 2 lakh and above.Key HighlightsRTGS transfers are processed in real time. Funds are usually credited within 30 minutes.Inward RTGS is free. Branch-based outward transfers are charged Rs. 25 (Rs.


PNB RTGS Form - How To Download Punjab National Bank RTGS Form?
Updated on Sep 14th, 2025 | 10 min read

Punjab National Bank (PNB) provides a secure and efficient way to transfer large sums of money between banks using its RTGS (Real-Time Gross Settlement) service. Customers must submit the PNB RTGS form while initiating an RTGS transaction at a branch. Customers can collect a physical copy of the PNB RTGS form from the branch or download the PNB RTGS form PDF from the bank's website.Key HighlightsRTGS transfers are processed 24×7 throughout the year.Online RTGS via PNB net banking and mobile app is free of cost.Branch RTGS transactions at PNB incur charges of Rs. 25 for amounts between Rs. 2 lakh and Rs.


Canara Bank Personal Loan Interest Rate 2025
Updated on Sep 13th, 2025 | 17 min read

Canara Bank, one of India’s leading public sector banks, offers personal loans at competitive rates to meet diverse financial needs. The Canara Bank personal loan interest rate is affordable, with transparent charges like processing and documentation fees, making it a smart borrowing option.Key Highlights Canara Bank Personal Loan Interest Rate HighlightsBefore we get into the details about Canara Bank personal loan interest rate 2025, here are a few details to keep in mind when applying for the loan:Feature DetailsCanara Bank personal loan Interest rate (Floating)10.70% p.a. to 15.70% p.a.Canara Bank personal loan Interest rate (Fixed)9.95% p.a. to 15.40% p.a.Maximum Loan Amount (Canara Budget – Prime)A person can get 25 months of their gross salary subject to a maximum of Rs. 30 lakhsMaximum Loan Amount (Canara Budget – Delight)A person can get 25 months of their gross salary subject to a maximum of Rs.


Yes Bank RTGS Form - How To Download The Yes Bank RTGS Form?
Updated on Sep 13th, 2025 | 11 min read

Yes Bank Bank customers who opt for offline Real-Time Gross Settlement (RTGS) must submit the Yes Bank RTGS form at the branch. For convenience, the bank provides the Yes Bank RTGS form PDF online from its official website. Key HighlightsThe Yes Bank RTGS form is mandatory for initiating offline RTGS transactions above Rs. 2 lakh.RTGS transactions are available 24×7, with a short downtime between 11:30 p.m. and 12:03 a.m.Branch RTGS charges are Rs. 25 (Rs.


Axis Bank RTGS Form - How to Download Axis Bank RTGS Form?
Updated on Sep 13th, 2025 | 9 min read

Axis Bank provides the RTGS (Real Time Gross Settlement) 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. Customers can complete Axis Bank RTGS form PDF download online from the official website or collect it at a branch.Key HighlightsFor branch transactions, charges are Rs. 25 for amounts between Rs. 2–5 lakh and Rs.


HDFC RTGS Form - How To Download HDFC Bank RTGS Form?
Updated on Sep 13th, 2025 | 6 min read

The HDFC RTGS form is required when initiating an offline RTGS transfer through HDFC Bank. Customers can complete HDFC RTGS form download online from the bank’s official website or collect a physical copy at one of the bank's branches. Key HighlightsThe minimum amount for RTGS transfers through HDFC is Rs. 2 lakh, with no upper limit.The form must include the sender’s and beneficiary’s details, IFSC code, amount, and the purpose of transfer.Customers need to attach supporting documents such as a cheque leaf and valid ID proof for high-value transfers.The filled form has to be submitted at the nearest branch during working hours for same-day settlement.What is HDFC RTGS Form?RTGS (Real Time Gross Settlement) is a secure fund transfer system where transactions are settled individually and instantly. For HDFC customers opting for offline RTGS, filling out the HDFC RTGS form is mandatory. The form captures sender details, beneficiary details, transfer amount, purpose, and authorization 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:Visit the official website of HDFC Bank.Navigate to the " Resources " option from the bottom of the home page.Now select the “Form Centre” option.From the drop-down menu that appears, click on the option called "Forms for Personal Banking".Now expand the sub-section called “Personal Banking”.Navigate to the “Common Requests” section, where you can see the link to download the RTGS form.Click on that 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.


SBI RTGS Form - How to Download SBI RTGS Form?
Updated on Sep 13th, 2025 | 10 min read

SBI RTGS form is required to initiate high-value fund transfers of Rs. 2 lakh or above using the SBI Real Time Gross Settlement (RTGS) system. Customers can download the SBI RTGS form PDF online or collect a physical copy at a branch to authorise the transfer. SBI RTGS ensures secure, same-day settlement of funds between banks.Key Highlights:Modes to get the form: Download SBI RTGS form PDF online or collect it from the branch.Charges: Free via internet banking/YONO; Rs. 20 + GST at branch (Rs.


RTGS Charges: Check Out RTGS Transfer Charges
Updated on Sep 13th, 2025 | 17 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 HighlightsNo charges for online RTGS: Internet banking and mobile banking RTGS transfers are completely free.Standardized by RBI: Banks cannot levy RTGS fees higher than RBI’s prescribed limits.Amount-based slabs: Rs. 2–5 lakh transfers are charged lower (around Rs. 20–Rs.


Bank of Baroda Personal Loan Interest Rate 2025
Updated on Sep 12th, 2025 | 12 min read

One of the top public sector banks in India, Bank of Baroda (BoB), provides personal loans designed to cover a range of expenses. BOB personal loans come with attractive interest rates and flexible repayment plans, making them ideal for covering medical bills, education, travel, or other personal requirements.Key Highlights Interest Rate: 10.40% - 17.75% p.a.(Floating) | 11.05% - 18.10% p.a.(Fixed )Loan Amount: ₹50,000-₹20 lakh (Rural/Semi-Urban) | ₹1 lakh-₹20 lakh (Metro/Urban)Tenure: Up to 84 monthsProcessing Fee: Nil for Govt. salary account holders; others 1%–2% (min ₹1,000 + GST, max ₹10,000 + GST)What is bank of Baroda Personal Loan?Bank of Baroda personal loans offer quick funds for salaried and self-employed individuals with flexible tenures up to 84 months. With competitive interest rates and minimal processing fees, this personal loan is a convenient financing option. Applicants aged 21 - 60 (salaried) or 65 (self-employed) with a good credit profile are eligible.Types of Bank of Baroda Personal LoanFollowing are the types of personal loans provided by Bank of Baroda: Bank of Baroda Personal Loan: BOB provides personal loans ranging from Rs.


RTGS Limit: How to Increase RTGS Per Day Transfer Limit?
Updated on Sep 12th, 2025 | 7 min read

RTGS limit refers to the minimum and maximum amount you can transfer using the Real-Time Gross Settlement system in a single transaction or per day. The RTGS limit per day depends on the bank, account type, and mode of transfer (online or branch), ensuring secure processing of high-value funds.Key HighlightsMinimum RTGS Limit: Rs. 2,00,000 per transaction.Maximum RTGS Limit: Varies by bank and account type; personal accounts usually Rs. 10–50 lakh/day, corporate accounts can go up to crores.RTGS Limit Per Day: Depends on bank policies, online vs branch transfer, and account category.Increase RTGS Limit: Can be requested via branch, internet banking, or mobile app with identity verification.Top Bank Limits: HDFC & Axis Rs. 50 lakh/day (online), SBI Retail Rs.


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