diff --git a/src/controllers/rtgs.controller.js b/src/controllers/rtgs.controller.js
new file mode 100644
index 0000000..e5c9625
--- /dev/null
+++ b/src/controllers/rtgs.controller.js
@@ -0,0 +1,36 @@
+const axios = require('axios');
+
+async function send(
+  fromAccount,
+  toAccount,
+  amount,
+  ifscCode,
+  beneficiaryName,
+  remitterName
+) {
+  try {
+    const response = await axios.post(
+      'http://localhost:8690/kccb/Rtgsfundtransfer',
+      {
+        stFromAcc: fromAccount,
+        stToAcc: toAccount,
+        stTranAmt: amount,
+        stCommission: 0,
+        stIfscCode: ifscCode,
+        stFullName: remitterName,
+        stBeneName: beneficiaryName,
+        stAddress1: '',
+        stAddress2: '',
+        stAddress3: '',
+      }
+    );
+    return response.data;
+  } catch (error) {
+    throw new Error(
+      'API call to CBS failed' +
+        (error.response?.data?.message || error.message)
+    );
+  }
+}
+
+module.exports = { send };
diff --git a/src/routes/index.js b/src/routes/index.js
index 68fb683..9599fbd 100644
--- a/src/routes/index.js
+++ b/src/routes/index.js
@@ -5,7 +5,8 @@ const transactionRoute = require('./transactions.route');
 const authenticate = require('../middlewares/auth.middleware');
 const transferRoute = require('./transfer.route');
 const beneficiaryRoute = require('./beneficiary.route');
-const neftRoute = require('./neft.route.js');
+const neftRoute = require('./neft.route');
+const rtgsRoute = require('./rtgs.route');
 const { npciResponse } = require('../controllers/npci.controller');
 
 const router = express.Router();
@@ -15,6 +16,7 @@ router.use('/customer', authenticate, detailsRoute);
 router.use('/transactions/account/:accountNo', authenticate, transactionRoute);
 router.use('/payment/transfer', authenticate, transferRoute);
 router.use('/payment/neft', authenticate, neftRoute);
+router.use('/payment/rtgs', authenticate, rtgsRoute);
 router.use('/beneficiary', authenticate, beneficiaryRoute);
 router.use('/npci/beneficiary-response', npciResponse);
 
diff --git a/src/routes/rtgs.route.js b/src/routes/rtgs.route.js
new file mode 100644
index 0000000..389bb93
--- /dev/null
+++ b/src/routes/rtgs.route.js
@@ -0,0 +1,48 @@
+const express = require('express');
+const rtgsController = require('../controllers/rtgs.controller');
+const { logger } = require('../util/logger');
+const rtgsValidator = require('../validators/rtgs.validator.js');
+const paymentSecretValidator = require('../validators/payment.secret.validator');
+
+const router = express.Router();
+router.use(rtgsValidator, paymentSecretValidator);
+
+const rtgsRoute = async (req, res) => {
+  const {
+    fromAccount,
+    toAccount,
+    ifscCode,
+    amount,
+    beneficiaryName,
+    remitterName,
+  } = req.body;
+
+  try {
+    const result = await rtgsController.send(
+      fromAccount,
+      toAccount,
+      amount,
+      ifscCode,
+      beneficiaryName,
+      remitterName
+    );
+
+    if (result.status.startsWith('O.K.')) {
+      const utr = result.status.slice(9, 25);
+      return res.json({ message: 'SUCCESS', utr });
+    } else if (result.status.includes('INSUFFICIENT FUNDS')) {
+      return res.status(422).json({ error: 'INSUFFICIENT_FUNDS' });
+    } else if (result.status.include('INVALID CHECK DIGIT')) {
+      return res.status(400).json({ error: 'INVALID_ACCOUNT_NUMBER' });
+    } else {
+      return res.status(400).json({ error: 'PROBLEM_TRANSFERRING_FUNDS' });
+    }
+  } catch (error) {
+    logger.error(error, 'error occured while doing NEFT transaction');
+    return res.status(500).json({ error: 'INTERNAL_SERVER_ERROR' });
+  }
+};
+
+router.post('/', rtgsRoute);
+
+module.exports = router;
diff --git a/src/validators/rtgs.validator.js b/src/validators/rtgs.validator.js
new file mode 100644
index 0000000..6eb28d0
--- /dev/null
+++ b/src/validators/rtgs.validator.js
@@ -0,0 +1,36 @@
+const rtgsValidator = (req, res, next) => {
+  const {
+    fromAccount,
+    toAccount,
+    amount,
+    remitterName,
+    beneficiaryName,
+    ifscCode,
+  } = req.body;
+
+  if (!isAccountNumbersValid(fromAccount, toAccount)) {
+    return res.status(400).json({ error: 'INVALID_ACCOUNT_NUMBER_FORMAT' });
+  }
+
+  if (amount < 200000) {
+    return res.status(400).json({ error: 'AMOUNT_SHOULD_BE_MORE_THAN_200000' });
+  }
+
+  if (!remitterName || !beneficiaryName) {
+    return res
+      .status(400)
+      .json({ error: 'REMITTER_NAME AND BENEFICIARY_NAME REQUIRED' });
+  }
+
+  if (!ifscCode || !/^[A-Z]{4}0[0-9]{6}$/.test(ifscCode)) {
+    return res.status(400).json({ error: 'INVALID_IFSC_CODE' });
+  }
+
+  next();
+};
+
+const isAccountNumbersValid = (fromAcct, toAcct) => {
+  return !(!fromAcct || !toAcct || fromAcct.length != 11 || toAcct.length < 7);
+};
+
+module.exports = rtgsValidator;