Does Axis Bank allow customers to initiate RTGS transfers after branch working hours through mobile banking or net banking, and are there any time limits or delays for such transactions?
This was confusing for me too earlier, especially when sending money late in the evening.
Can RTGS be done after banking hours in Axis Bank?
Yes, RTGS can be done even after banking hours in Axis Bank, but only through online mode (mobile app or net banking). NetBanking and mobile banking works for 24/7 even at night. During holidays only online RTGS works while the bank branch counter are not available after banking hours.
When RTGS Works in Axis Bank
| Method | After Bank Hours Allowed? | Works on Holidays? | Time to Credit | Where to Do It |
|---|---|---|---|---|
| Branch RTGS | No | No | 30–120 mins | Bank branch |
| Online RTGS | Yes | Yes | 2–30 mins | Axis app / Internet banking |
| NEFT (for comparison) | Yes | Yes | 5–60 mins | App, net banking, branch |
| UPI (for small transfers) | Yes | Yes | Instant | PhonePe, GPay, Bank apps |