PNB or Punjab National Bank is one of the largest public sector banks in India. It offers a wide range of banking services to its customers, including RTGS (Real Time Gross Settlement) transfers. RTGS is a fast and secure way to transfer money from one bank account to another. If you are a PNB customer and want to make an RTGS transfer, here’s everything you need to know about PNB RTGS charges.
PNB charges its customers for RTGS transfers based on the amount transferred. The charges are as follows:
REAL TIME GROSS SETTLEMENT SYSTEM (RTGS) | ||
Inward Transactions | Free | |
Outward Transactions | ||
Transaction Value | From Branch | From IBS/ MBS |
Rs. 2 lakh to Rs. 5 lakh | Rs. 24.50 + GST | Rs. 24.00 + GST |
Above Rs. 5 lakh | Rs. 49.50 + GST | Rs. 49.00 + GST |
Note: These charges are applicable only for outward RTGS transactions. PNB does not charge any fees for inward RTGS transactions.
PNB RTGS Timings
PNB RTGS services are available during working hours on all weekdays and Saturdays. The bank does not process RTGS transactions on Sundays and bank holidays. Here are the timings for PNB RTGS transactions:
- Online – Anytime of the day
- At the branch – 10 am to 4 pm every Monday to Saturday (except 2nd and 4th Saturday & bank holidays)
It’s important to initiate RTGS transactions before the cut-off time to ensure that they are processed on the same day. Any transactions initiated after the cut-off time will be processed on the next working day.
How to Make PNB RTGS Transactions?
To initiate PNB RTGS transactions, you are required to follow the below mentioned steps-
Step 1: Login to PNB net banking account using your credentials.
Step 2: Click ‘Payments’. Select ‘RTGS.’
Step 3: Enter the beneficiary’s details required.

Step 4: Enter the amount.
Step 5: Review and confirm the transaction details.
Step 6: Enter transaction password to authorize the transfer.
Once the transaction is authorized, the money will be credited to the beneficiary’s account within a few minutes.
Visit the following links to know more about RTGS:
RTGS | SBI RTGS Charges | HDFC RTGS Timings |
RTGS Process | HDFC RTGS Limit | ICICI Bank RTGS Timings |
BOB RTGS Charges | RTGS Limit | RTGS Timings |
HDFC RTGS Charges | SBI RTGS Limit | SBI RTGS Timings |
ICICI Bank RTGS Charges |
PNB RTGS Charges : FAQs
No, PNB does not charge any additional fees for RTGS transactions. However, the customer’s bank may charge a fee for receiving the RTGS transfer.
There is no maximum limit for PNB RTGS transactions.
RTGS transfers are processed in real-time, and the money is credited to the beneficiary’s account within a few hours.