DCB Bank RTGS

Last Updated : July 28, 2025, 5:02 p.m.

DCB Bank’s Real-Time Gross Settlement (RTGS) service is a fast, secure, and efficient way to transfer large sums of money instantly within India. Designed for high-value transactions, RTGS ensures funds reach the beneficiary’s account in real-time, typically within 30 minutes, making it ideal for urgent and significant financial needs. Whether you’re a DCB Bank customer or not, this guide provides comprehensive details on the benefits, limits, timings, forms, and charges associated with DCB Bank’s RTGS services, along with a helpful FAQ section to address common queries.

Benefits of DCB Bank RTGS

DCB Bank’s RTGS system offers a reliable way to transfer large sums of money. Key benefits include:

• Instant Transfers : Funds are transferred in real-time, ensuring the beneficiary receives the amount within 30 minutes, as per RBI guidelines.
• High-Value Transactions : Ideal for transactions of ₹2 lakh and above, with no upper limit, making it suitable for significant financial needs.
• Secure and Irrevocable : Transactions are processed directly through the Reserve Bank of India, ensuring safety and finality.
• 24/7 Availability : Online RTGS services are available round-the-clock, offering flexibility for urgent transfers.
• Wide Accessibility : Available for both DCB account holders and non-customers through branch visits or online platforms.
• Interbank Transfers : Seamlessly transfer funds to accounts in other banks within India that are part of the RTGS network.

DCB Bank RTGS Limit

• Minimum Limit : The minimum amount for an RTGS transaction is ₹2 lakh, as mandated by the RBI.
• Maximum Limit : There is no upper ceiling for RTGS transactions. However, for Business Internet Banking, the global limit for all fund transfers (including RTGS) is ₹1 crore per day.
• Cooling Period : For newly added beneficiaries, a 48-hour cooling period applies, during which funds cannot be transferred to minimize errors.

DCB Bank RTGS Timings

• Online Transactions : RTGS is available 24x7x365 via DCB Bank’s Internet Banking and Mobile Banking platforms, except during a brief maintenance window from 11:30 PM to 1:00 AM.
• Branch Transactions : For offline RTGS at DCB Bank branches, the timings are:
  • Monday to Friday: 10:00 AM to 3:30 PM
  • Saturday (excluding 2nd and 4th Saturdays): 10:00 AM to 3:30 PM
  • No RTGS services are available on Sundays, 2nd/4th Saturdays, or national holidays.

How to Download DCB Bank RTGS Form?

To download the DCB Bank RTGS/NEFT form, follow these steps:

1. Visit the official DCB Bank website (www.dcbbank.com).
2. Navigate to the "Forms" section under "Personal" or "Business" banking, or search for "DCB Bank RTGS Form" on the website’s search bar.
3. Locate the link for the RTGS/NEFT form, which is a combined form for both services.
4. Click the PDF link to download the form directly to your device.
5. Alternatively, visit a DCB Bank branch to obtain a physical copy of the form.

How to Fill DCB Bank RTGS Form?

The DCB Bank RTGS/NEFT form has two sections: one for customer details and one for bank use. Follow these steps to fill it accurately:

1. Sender’s Details :
   • Enter your account number, bank name (DCB Bank), and branch name.
   • Provide your full name and contact details.
2. Beneficiary Details :
   • Enter the beneficiary’s account name (as per their bank records), account number, and account type (e.g., Savings, Current, NRE, NRO).
   • Include the beneficiary’s bank name, branch address, and IFSC code.
   • Reconfirm the beneficiary’s account number to avoid errors.
3. Transaction Details :
   • Specify the amount to be transferred (in figures and words, minimum ₹2 lakh).
   • Mention the purpose of the transfer (e.g., payment for services, loan repayment).
4. RTGS Reference Number : If applicable, include any reference number provided by the bank.
5. Bank Charges : Indicate if you agree to bear the transaction charges (if applicable).
6. Signature : Sign the form and verify all details for accuracy.
7. Attachments : Attach a cheque if the amount is to be debited via cheque, with the payee as “DCB Bank Ltd. – RTGS.” Submit the form to the bank with any required KYC documents.

Note : Ensure the beneficiary’s account number is correct, as RTGS credits are processed solely based on the account number, not the name.

DCB Bank RTGS Charges

• Online RTGS : No charges are levied for RTGS transactions initiated through DCB Bank’s Internet Banking or Mobile Banking, as per RBI guidelines to promote digital banking.
• Branch RTGS :
  • For transactions between ₹2 lakh and ₹5 lakh: ₹25 per transaction (plus GST).
  • For transactions above ₹5 lakh: ₹50 per transaction (plus GST).
• Non-Customers : Charges may vary for non-account holders; contact the nearest DCB Bank branch for details.
• Additional Notes : Charges are subject to change as per RBI and DCB Bank policies. Always check the latest fee structure on the official website or at a branch.