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When does the refund happens in case of a failed NEFT/RTGS transaction?
We would like to inform you that, once the NEFT transaction amount is credited to the beneficiary, credit confirmation SMS will be sent to your registered mobile number( SMS will be sent subject to the confirmation received from the beneficiary bank ). In case the amount is not credited to the beneficiary within one working day, we request you to check with the beneficiary providing the payment ID. ( Check the payment ID in transaction history or statement ).
 
For RTGS transactions, Under normal circumstances the beneficiary branches are expected to receive the funds in real time as soon as funds are transferred by the remitting bank. The beneficiary bank has to credit the beneficiary's account within 30 minutes of receiving the funds transfer message. If the funds are not credited to the beneficiary's account for any reason like account does not exist, account frozen etc. the funds will be returned to the originating bank within one hour or before the end of the RTGS Business day, whichever is earlier.