I usually get time to do banking only after office hours, so can I still make an RTGS transfer from my Bank of Baroda account after the branch is closed, and will it be processed immediately or only on the next working day?
Yes, RTGS can be done after banking hours in Bank of Baroda. From my experience, RTGS works even at night or when the bank is closed, because 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.
Best time to avoid delays in large transfers
| Time Slot | Speed | Why |
|---|---|---|
| Early morning (6–9 AM) | Very fast | Less network traffic |
| Mid day (10 AM–4 PM) | Fast | Normal bank load |
| Evening (7–11 PM) | Fast | Less server load again |
| Late night (12–5 AM) | Smooth | Very low network traffic |
So yes, even if the bank branch is closed, RTGS will still work in Bank of Baroda through online modes.
https://bankofbaroda.bank.in/writereaddata/Images/pdf/rtgs-neft-payinslip.pdf