I want to know the NEFT and RTGS transaction timing for Bank of Baroda both online and offline and whether transfers get processed late at night, on holidays, or after bank closing time.
Timing of NEFT and RTGS in Bank of Baroda
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NEFT: This also works 24/7 and earlier money were sent in batch cycles but now there is no fixed time slots. It can be done on holidays and after bank hours. There is no minimum limit and the maximum limit depends on the account type.
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RTGS: It works 24/7 by net banking and mobile app whereas by branch it usually works between 10 AM to 5 PM on working days. Online RTGS also works on weekends and holidays.
Features
| Feature | NEFT | RTGS |
|---|---|---|
| Best for | Small or medium transfers | Large urgent transfers |
| Minimum limit | No minimum | ₹2,00,000 |
| Maximum limit | Varies by bank/app limit | No upper limit |
| Speed | 5–60 minutes | 2–30 minutes |
| Available in branch | Only in bank hours | Only in bank hours |
| Online availability | 24×7 (all days) | 24×7 (all days) |
| Settlement type | Batch-based | Real-time (instant) |
https://bankofbaroda.bank.in/writereaddata/Images/pdf/rtgs-neft-payinslip.pdf