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How To Transfer Money From Paytm Wallet To Bank Account?

By Rucha Khedkar

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Updated on: May 22nd, 2025

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2 min read

Looking for how to transfer money from Paytm Wallet to bank account in 2025? Paytm still allows users to make wallet-to-bank transfers, even after recent regulatory changes. You can transfer up to ₹25,000 per transaction and ₹1,00,000 per day with KYC completed—at no extra charge. As per current guidelines, a minimum of ₹100 is required to initiate a wallet-to-bank transfer.

This guide explains the steps, limits, and updated rules for smooth fund transfers from your Paytm Wallet to any bank account.

Transfer Money from Paytm Wallet to Bank Account

You can continue using the Paytm Wallet to transfer funds to a bank account, even after regulatory changes to Paytm Payments Bank. However, new wallet top-ups and transfers now rely on partner banks integrated via Paytm’s platform (e.g., Axis Bank, SBI).

Here’s what remains applicable:

  • KYC is mandatory for wallet-to-bank transfers as per 2025 RBI norms.
  • Minimum transfer amount: ₹100
  • Transfer limit: ₹25,000 per transaction, ₹1,00,000 per day (if KYC is complete)
  • No extra charges for standard transfers

Ensure your wallet is active and linked with a valid KYC-compliant profile for a smooth transfer process.

Step-by-Step Guide on how to Transfer Money from Paytm Wallet to Bank Account

Here is a step-by-step guide on how to transfer Paytm wallet money to a bank account:

  • Step 1: Open the Paytm app on your mobile device. 
  • Step 2: Scroll down to the ‘My Paytm’ section and click the ‘Paytm Wallet’ tab. 
  • Step 3: Select the ‘Transfer to Bank’ option on the next page.
  • Step 4: Enter the amount for the money transfer on the new window.
  • Step 5: Fill in the required information, including the account number, IFSC code, and the name of the account holder or select a saved bank account and click ‘Confirm’.

Your requested amount will be swiftly transferred and credited to the specified bank account. 

What Can You Do with Your Paytm Wallet Balance?

There are two primary ways to utilise your Paytm Wallet balance:

  • Make payments directly using your wallet for online shopping, bill payments, mobile recharges, or at supported offline merchants.
  • Transfer the balance to your bank account for broader use, including withdrawals, online transactions, or bill settlements.

Paytm Wallet Use After RBI Regulatory Changes in 2025

As of 2025, Paytm Payments Bank is no longer onboarding new customers or accepting fresh deposits due to RBI restrictions. However, Paytm Wallet services continue to operate via licensed partner banks. Make sure to:

  • Complete full KYC to access wallet features
  • Link an active savings account from another bank to receive wallet-to-bank transfers
  • Monitor app notifications for service updates or transfer limits

Conclusion

Now that you have a comprehensive idea of how to transfer money from your Paytm wallet to a bank account, you can easily transfer funds to your account. The entire process occurs seamlessly within the Paytm app. It also offers a user-friendly and secure means of transferring funds to a bank account.

Other Articles:
1. How To Transfer Money From PhonePe Wallet To Bank Account?
2. How To Transfer Amazon Pay Balance To Bank Account? 
Paytm related articles:
1. How to Deactivate or Delete Paytm Account?
2. How To Transfer Money From Paytm Wallet To Bank Account?
3. How to Add a Bank Account in Paytm?
4. Paytm HDFC Credit Card - Benefits, How to Apply, Features and Eligibility

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Frequently Asked Questions

Can I transfer money from my Paytm wallet to my bank account?

Yes, transferring money from your Paytm wallet to your linked bank account is possible and free of cost. 

How can I transfer money from the Paytm wallet without KYC?

Without KYC, transferring money from your Paytm Wallet to a bank account isn't permitted. Completing KYC is mandatory for such transfers.

What are the eligibility criteria for transferring money from my Paytm wallet to a bank account?

While there is no specific eligibility criterion for this feature, to transfer money from the Paytm wallet to the bank account, you need the bank account holder’s account number, name, and IFSC code of the bank.

Are there any fees associated with transferring money from my Paytm wallet to a bank account?

No, you do not need to pay any transfer fee for transferring money from your Paytm wallet to your bank account.

How long does it take to transfer money from a Paytm wallet to a bank account?

When you initiate a transfer of funds from your Paytm wallet to your bank account, the processing time is usually around 24 hours. However, in certain cases, it may take up to 3-5 business days for the transferred funds to appear in your bank account. Please keep this in mind and plan accordingly.

What is the maximum amount I can transfer from my Paytm wallet to a bank account?

The maximum amount you can transfer from your Paytm Wallet to a bank account is ₹25,000 per transaction, with a daily cap of ₹1,00,000, provided your KYC is completed. These limits ensure secure and efficient fund transfers.

What do I need to do if my transfer fails or is delayed?

In case of a failed or delayed transfer, contact Paytm customer support for assistance. Additionally, you can review your Paytm transaction history to monitor the status of your transfer.

About the Author
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Rucha Khedkar

Content Writer - Insurance

Insurance doesn’t have to be a maze of fine print. I simplify policies, bring clarity to the details, and make financial decisions easier—one blog at a time. I enjoy turning numbers and insights into clear, actionable narratives that simplify personal finance. Read more

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