I often have to send money late at night, so I wanted to ask, does Axis Bank really support RTGS 24 hours a day, including weekends and holidays, or are there certain hours when the transfer doesn’t process immediately and gets delayed until the bank starts working again?
I had the same doubt when I needed to send a late-night transfer, so I checked how Axis Bank handles RTGS.
Does RTGS work 24 hours in Axis Bank?
Yes, Axis Bank RTGS works 24 hours a day, 7 days a week, including weekends and holidays. The money is sent very fast within few minutes after you submit it. One thing you should keep it in mind is that the minimum amount which you can transfer is Rs. 2 lakh. So, basically whether it’s 2 PM or 2 AM, you can send money through RTGS in Axis Bank.
Bank vs Online RTGS Availability
| Mode | Available on Holidays? | Works at Night? | Typical Speed | Limit |
|---|---|---|---|---|
| Branch RTGS | No | No | 30–120 min | Bank decides |
| Online RTGS (App/Net Banking) | Yes | Yes | 2–30 min | Higher limits allowed |
| UPI (for comparison) | Yes | Yes | Seconds | Small payments |
| NEFT | Yes | Yes | 5–60 min | No minimum |