RTGS, NEFT and IMPS Timings & Transaction Limits


With effect from 14 December 2020, RTGS is operational on all days and is available 24/7.

With effect from 16 December 2019, NEFT is operational on all days and is available 24/7.
Transaction Limits are as follows -

Branch Banking Channel

Timings Transaction Limit (Minimum) Transaction Limit (Maximum)
As per Branch working Hours ₹ 1 No maximum limit

Internet (Corporate & Retail) and Mobile Banking Channels

Timings Transaction Limit (Minimum) Transaction Limit (Maximum)
00.00 hrs - 07.00 hrs ₹ 1  ₹ 2 Lakh
07.00 hrs – 19.00 hrs ₹ 1 As per set limits
19.00 hrs – 00.00 hrs ₹ 1 ₹ 2 Lakh
2nd & 4th Saturday, Sundays & RTGS Holidays ₹ 1 ₹ 2 Lakh

NEFT transactions above ₹ 2 Lakh initiated post 19:00 hours will be processed on the next working day.
The same is applicable to Bulk NEFT transactions aggregating to above ₹ 2 Lakh.


IMPS is operational on all days and is available 24/7.

Mile yahan, Dono Jahan

True to its new tag line, "Mile Yahan Dono Jahan", Saraswat Bank is committed to bridging the gap between technology and tradition by bringing to its customers the best of both worlds.

Keeping tradition intact and embracing technology, the Bank has matched strides with India's digital revolution by offering various digital banking services designed to make banking more easy and convenient like mobile banking, internet banking, international VISA EMV and RuPay chip cards, etc. Simultaneously, through its emphasis on personalized attention, the Bank has maintained its personal touch with customers. Agility of the small bank with the ability of the large bank has been Saraswat Bank's enduring heritage new.

Contact Saraswat Bank

Corporate Office
Saraswat Co-operative Bank Limited
Ekanath Thakur Bhawan 953, Appasaheb Marathe Marg, Prabhadevi. Mumbai- 400 025
Tel: [+91] (022) 6600 5555
Email: corporatecenter@saraswatbank.com