RTGS India

RTGS

24/7/365 since December 2020

NowHours: computing from the published schedule…Service condition: not monitored details

ClearingPost does not assess whether RTGS India is running normally.

Dated items ClearingPost holds, each with its source and whether the date is confirmed

No supported upcoming items in ClearingPost's records for RTGS India.

ClearingPost holds sourced upcoming items for 13 of 149 systems; an empty list is a statement about ClearingPost's records, not about a system's plans.

Changed

All recorded changes →

Material, sourced changes ClearingPost recorded; corrections to its own record are labelled as such

Data update
RTGS India average daily transactions increased to ~1.09M/day (September 2026) · RTGS India average daily value increased to ~INR 7.86 lakh crore/day (September 2026)
recorded 4 Nov 2026 · Payment System Indicators - September 2026
Data update
RTGS India average daily transactions decreased to ~1.02M/day (August 2026) · RTGS India average daily value decreased to ~INR 6.64 lakh crore/day (August 2026)
recorded 17 Sep 2026 · RBI Bankwise Volumes in ECS/NEFT/RTGS/Mobile Transactions: RTGS Bankwise Inward and Outward, August 2026
Data update
RTGS India average daily transactions increased to ~1.07M/day (July 2026) · RTGS India average daily value decreased to ~INR 7.20 lakh crore/day (July 2026)
recorded 27 Aug 2026 · Payment System Indicators - July 2026
Data update
RTGS India average daily transactions increased to ~1.06M/day (June 2026) · RTGS India average daily value increased to ~INR 7.66 lakh crore/day (June 2026) · RTGS India participant count decreased to 245 member banks (June 2026); 173,688 RTGS-enabled IFSCs (Mar 2025)
recorded 5 Aug 2026 · Bankwise Volumes in NEFT/RTGS/Mobile Transactions - June 2026
ChangedIndia RTGS went 24/7/365
Business hours only changed to 24/7/365
recorded 10 Mar 2026source ↗

Sources ClearingPost reads Reserve Bank of India · Authoritative (T1) · 15 of 18 fields carry a source and a recorded date · latest sourced entry recorded 12 Nov 2026 · evidence details ↓

Record · RTGS India

Country

India (IN)

Currency

Indian Rupee (INR)

Operator

RBI

Type

RTGS

Operating Window

24/7/365

Year Established

2004

Tier?

Tier 1

ISO 20022?

Migrated

Region

Asia-Pacific

Settlement Type?

Gross

Participants

245 member banks (August 2026); 173,688 RTGS-enabled IFSCs (Mar 2025)

Avg Daily Transactions

~1.09M/day (September 2026)

Avg Daily Value

~INR 7.86 lakh crore/day (September 2026)

Availability

24/7/365 (since Dec 2020)

Avg Daily Transactions period

September 2026

Avg Daily Value period

September 2026

Notes

September 2026 was both a quarter-end and an advance-tax month, which concentrates large corporate, institutional and tax settlement into RTGS and lifts the rail's count and value above August. ClearingPost derives the daily averages shown here by dividing the RBI's published monthly totals by calendar days, so the September average is spread over 30 days against 31 in August; RBI Payment System Indicators are provisional. The RBI's new Data Centre at Jatni, Bhubaneswar, inaugurated on 25 October 2026, is designated to house the Reserve Bank's mission-critical systems including RTGS, and the press release states no migration date.

RBI official website →

Reference Sources

Reserve Bank of India

Authoritative (T1)Entry recorded Mar 15, 2026

Status →Statistics →

See all RTGS systems →See all systems in India →ISO 20022 migration status →Payment rails by country →

Other systems in the same country or region

BOJ-NETRTGS

Japan · JPY · Bank of Japan

ZenginACH

Japan · JPY · Zengin-Net (JBA)

HVPS (CNAPS)RTGS

China · CNY · CNCC (China National Clearing Center) / PBoC

CIPSHybrid

China · CNY · CIPS Co.

BEPS (CNAPS)ACH

China · CNY · CNCC (China National Clearing Center) / PBoC

IBPSFPS

China · CNY · CNCC (China National Clearing Center) / PBoC

Operations · RTGS India

Operational monitoring: not configured. ClearingPost does not monitor operational sources for this system and does not assess its current service condition.

Operations lists the systems ClearingPost monitors and the operational events it has recorded.

Intelligence for RTGS India (3)

Coverage whose headline or summary names RTGS India, or names its operator or country together with its system type. Each item quotes that evidence and says whether the source is the RTGS India operator or external.

NewsMay 20, 2026Names “RBI” + “RTGS”

RTGS Accounts for 68.6 Percent of India's Payment Value in H2 2025

The RBI's H2CY25 Payment Systems Report shows India's retail-wholesale payment split widening, with total digital transaction volumes growing at a 42.9 percent compound rate to 268 billion annual transactions as debit card usage declined 67 percent since 2021.

External source · Business Standard

GuideMar 13, 2026Names “RBI” + “RTGS”

India's RTGS and NEFT: A Practitioner's Guide to the RBI's Settlement Architecture

India runs one of the world's few 24/7 RTGS systems and a half-hourly batch settlement engine processing nearly a billion transactions a month. This guide breaks down how RTGS and NEFT work, who uses them, and where they sit in India's layered payment infrastructure.

External source · Assets

NewsDec 14, 2020Operator's own publication · “RTGS”

India RTGS Goes 24/7 - First Major RTGS to Operate Round the Clock

India's RTGS had previously operated during business hours on weekdays - roughly 07:00 to 18:00 IST.

Operator source · Reserve Bank of India