Always check the beneficiary bank's IFS code on an official platform or a canceled cheque before writing it on the form.

Recipient's account number (double-check this). 3. Type of Transaction Check the box for either NEFT or RTGS . 4. Signature Sign the form exactly as you do for checks. Key Charges and Timings (2026)

: You can access fillable or standard PDF versions on platforms like pdfFiller and ClearTax .

While RBI has mandated zero charges for online NEFT and RTGS transfers, fees may still apply when the transaction is initiated offline at a branch. Below are the indicative charges (excluding 18% GST) as of 2026:

| Error on Form | Consequence | Solution | | :--- | :--- | :--- | | Wrong IFSC code | Transfer delayed (returns in 2-3 days) | Use RBI’s IFSC search tool to verify. | | Inconsistent signature | Immediate rejection | Ensure signature matches exactly. | | Missing "Favoring" line | Bank may not process | Some forms require "Pay to..." clause. | | Cut-off time missed | RTGS delayed to next day | Submit RTGS before 3:30 PM (typical branch cut-off). |

Union Bank uses a combined NEFT & RTGS form . You just tick the appropriate box.

To save you the hassle of searching through the official website archives, we have provided the details regarding the form below.

This is a print-and-fill form. UBI does not offer an editable PDF for NEFT/RTGS.