RTGS services have resumed across all Central Bank of India channels, the public sector lender said on October 25, 2026, after a technical issue in its local RTGS server interface. The bank said no customer account was affected and its core banking system remained secure.
Key Takeaways
- Central Bank of India said RTGS transactions had resumed across all channels.
- The bank located the technical issue in its own RTGS interface environment and said customer accounts were unaffected.
- A police complaint concerned ₹13.9 crore transferred from the bank’s settlement account with the Reserve Bank of India.
Table of Contents
- RTGS services restored after local interface issue
- Settlement-account transfers remain a separate concern
- How RTGS settlement works
- Conclusion
RTGS services restored after local interface issue
The bank’s October 25 statement described the problem as a technical issue in the interface environment of a localised RTGS server maintained at the bank. It separately assured customers that its core banking system, or CBS, remained safe and secure.
The distinction matters: the bank identified a problem with its own payment-system interface, rather than announcing a failure of the Reserve Bank of India’s wider RTGS infrastructure. Its assurance about customer accounts does not mean that service availability was uninterrupted.
| Item | Details |
|---|---|
| Minimum RTGS transfer | ₹2 lakh under the RBI’s system rules. |
| Maximum RTGS transfer | No upper ceiling set by the RBI. |
| System availability | RTGS operates 24 hours a day, every day. |
Settlement-account transfers remain a separate concern
Central Bank of India had reported to Mumbai Police that ₹13.9 crore was siphoned from its settlement account with the RBI through multiple transfers between October 15 and October 17, 2026.
The bank told police it did not know how the transfers had occurred. Police had only partially traced some transfers. The restoration statement did not establish how the money moved or explain the relationship between those transfers and the technical issue.
The reported transfers involved the bank’s settlement account, while its latest assurance concerned customer accounts. Those are distinct claims, and the resumption of payment services does not by itself resolve the circumstances of the transfers.
How RTGS settlement works
The RBI’s explanation of RTGS settlement describes a system that processes fund transfers continuously and individually, rather than in batches. Settlement takes place in the RBI’s books, and settled payments are final and irrevocable.
That framework explains the role of a bank’s settlement account. It provides background on the payment system, not verification of the incident or of Central Bank of India’s security assurances.
Conclusion
Central Bank of India’s confirmed operational update is that RTGS services are available again. Further clarification on how the settlement-account transfers occurred, and whether funds were recovered, remains outstanding.
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