What is TRF Meaning in Bank of India?

Bank of India (BOI) is a state-owned commercial bank primarily based in Mumbai with a total of 5092 branches in every state of India as well as a presence in 22 foreign countries. The bank offers banking options and financial services to both corporate and retail customers while also dealing in foreign exchange, mutual funds, and credit card services. The bank functions on three main business sections called treasury, wholesale and retail banking operations and it also has specialized branches dealing with small scale industries.

So, coming to the main question “What does TRF mean in a BOI account?” and why does it seem to confuse so many of us when we see it in a message or notification?

Well to start with TRF stands for the word transfer and it means any funds transfer, be it for internet charges, SMS charges, or any other purpose, from one BOI account to another BOI account. It is shown in the form of a message on your phone or as an entry in your bank account statement whenever any funds transfer took place concerning your account.

The message shows you the amount of money credited or debited and the time at which the transaction occurred along with a TRF sign after it which notifies you that this a type of funds transfer. Furthermore, no kind of additional charges is levied when a TRF occurs regardless of who made the transaction.

The key point here is that transfers can only happen if the other account is a BOI account too. BOI usually writes TRF instead of transfer for the apparent reason of saving space when sending bulk messages to thousands of customers every day. It is more like a notification alerting you of some funds transfer which eventually shows up on your passbook also.

To sum it up TRF is a short form for Transfer/Funds Transfer usually used by Bank of India whenever any transaction occurs concerning your account. TRF can occur only for accounts within the same bank and doesn’t cost anything additional.

It can be checked in your messages section of the phone where notification may have shown up whenever the funds’ transfer took place and can also be seen in your bank statement or passbook whenever you want. The main purpose of using such a kind of short-form is to save space and lines while sending out messages to customers regarding the transaction details.


  1. BOI – Rs 1.00 Credited(TRF)F01UPI/324445961355/010923/RRC in your Ac XX4561 on 03-09-2023

  2. BOI – Rs 436.00 Debited(TRF) RENEWAL –
    this msg is been displayed.????
    what is prosess to get the money back.
    what is happening without any proper information.

  3. Ek bar 20 rs 436 rs kat liya hai mere paise wapas chahiye kaisa Bank hai apne aap kat leta hai mere paise wapas chahiye

  4. mera do baar 436rs karke kaat liya faltu bank mujhe mera Mera Paisa wapas kro????????????????????

  5. BOI_RS295 Debited(TRF) NACH RTN CHG/04122021
    Aise hi mere ac se 10 bar se jyada kat chuka hai.. kya karu yaar

  6. BOI – Rs 59.00 Debited(TRF) Min Bal Charge Serv.TAX < Marc in your Ac XX0365 on 21-04-2023.Avl BalRs 1169.82.

    • मेरे खाते से महीने में दो टीआरएफ का चार्ज ₹436 दिनांक 20/05/2023 को काटा गया है उसके बाद दूसरा टीआरएफ ₹436 दिनांक 28/05/2023 को काटा है अतः महोदय से अनुरोध है कि टीआरएफ दो बार क्यों काटा गया है इसका विवरण दें मेरा पैसा वापस करने का कष्ट करें

  7. Rs 118.00 Debited(TRF) MODE-DEBIT CAR/31012023/BKID70 in your Ac XX9847 on 20-03-2023 , there are no trf charges then why again charged them…try solve it..

  8. 1180 Hamare a/c se Har month 195 yek din me ye charg 4 bar tak lag jata hai 1180 ₹ kat Rahe hai

  9. Bank of India is the very worst bank in India unreasonably debited money from account 413 rps debited for TRF don’t use boi use iob

  10. BOI debited 467 rupee as TRF jbki maine to abhi kuchh din pehle hi account open krwaya tha …mtlb no transactions na kuchh paise faltu k kaat liye.. rubbish thing

  11. Without reason bank of India take up to 450 Rupees as TRF charges within 3 months, which is not a fair situation for customers try to solve that worst situation ????????????????????????????

  12. Without doing any transaction they debited Rs.99 for (TRF) lein lift amount.. What the hell with this BOI bank? What type of deduction I don’t know. What can I do to get my money back…

  13. Bina permission ke 436 kaat liye????????????????????????????????????????????????????????
    Faltu bank

  14. I have lost my 436 rupees without any asking to debated seriously too unfair ????????????

  15. I will be close BOI account as soon as.it is very bad service. And take High charge than other Bank. The Service center’s personal attitude very ????. They had debited 98,436 rupees while I do not any fund transfer Bank to Bank since Bank open..

  16. I sent Rs.40000 from HDFC Bank to my friend’s BOI account, they deducted Rs.150. This is a very very very very worst bank I have ever seen. I’ll not make any further transfer to this worst bank in the future.

  17. My 295 rupees have been deducted 3 times means 885 they have deducted worst bank ever seen????

  18. Rs258rupeesis dedicated as trf charges from my account I didn’t make any transfer in this month what can l do to get money back plz tell me.

  19. 177 rs deducted from my account. I didn’t make any bank-to-bank transactions. So why did they cut the amount as TRF charges

  20. approximately 300rs TRF charges have been deducted by bank many times …what is happening ????????

  21. എന്റെ എക്കൗണ്ടിൽ നിന്നും TRF എന്നു പറഞ്ഞു സംഖ്യ പിടിച്ചതായി കാണുന്നു
    ഇത് എന്താണ് .. തട്ടിപ്പറിയാ പകൽ കൊള്ളേയോ … ഇതിനെ ആർക്ക് പരാരി കൊടുക്കും …

  22. 118 rs deducted from my account. I didn’t make any bank-to-bank transactions. So why they cut the amount as TRF charges.

  23. 177 TRF charges cut Huye mere BOI ac Se minimum 5 times.. par Maine khuch BOI to BOI transaction kiye hi nahi.

  24. Why the hell my amount 177 is debited for TRF without me transferring money to others?? What kind of fraudulent activity is this anybody helps me??!

  25. This to same happen to me but I have never done any transfer to any account and they deducted my money.

    • BOI – Rs 456.00 Debited(TRF) RENEWAL
      Today total 456 rs debited from my account as bank transaction tax
      Pls update why this much amount taking from us. can we use BOI Account or not

    • Mera nibedan Hai ki koi bhai Khata na khole es bank me aap ka paisa kat legal B.O.I Me Har mahina 500 rupeya Kattan Hai sandman ho Jay sasaram bank of India me n.paica Dale bhai

  26. 234 RS amount deducted from my account as TRF charges even I didn’t transfer any money from my BOI to any other BOI account and the second question is these charges annually deducted or monthly.

      • kal raat mere acc se 188 rupees cut kiye jabki mere frd mere bank m 500 rupees transfer kiye the mene to kisi ko kuch send bhi nhi Kiya isse phle bhi esa ho chuka hai iska solution btaye

    • 2 days 200 rupee deducted from my account as trf charges and I haven’t yet transferred any money what can I do to get my money back.

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