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Difference Between RTGS & NEFT in Hindi. RTGS NEFT kya hain?
RTGS (Real Time Gross Settlement ) aur NEFT (National Electronic Funds Transfer) dono hi India mein Online paise bhejne ka jariya hain, Jiske dwara aap alag-alag Bank Accounts mein money transfer kar sakte hain. In dono payment System ko Reserve Bank of India (RBI) manage karta hain. In dono payment system ke jariye sirf aap India ke andar hi paise send kar sakte hain. Aaiye jante hain dono mein kya difference hota hain.

RTGS aur NEFT mein kya hain difference :-


RTGS mein Funds turant hi transfer ho jate hain. Yeh different Bank ke beech mein fund transfer karne ka sabse fast medium hain. Rule yeh hain ki jis Bank ko paisa send kya gya hain usay receiver ke account mein 30 minutes ke andar paisa credit kar dena hota hain. Dusri aor NEFT ke tahat paise turant transfer nahi ho paate hain. Is System mein hours ke according time slot mein kaam hota hain. Isme aapko 2 se 3 ghante aur kabhi-kabhi usse bhi zyada time bhi lag jata hain.

Kya Bank account ka hona jaroori hain?

Jinka Saving Account ya Current Account hain, Veh customer NEFT aur RTGS dono hi services ka use kar sakte hain. Lekin, jinke Bank account nahi hain, Veh sirf NEFT wali Branches mein cash deposit kar sakte hain. Halanki aap NEFT ke tahat 50,000 rupees se jyada Cash jama nahi karwa sakte hain.

Kab se kab tak hota hain transaction ?

Aap RTGS ke tahat Morning 8 baje se shaam 4:30 Baje tak hi paise bhej sakte hain. Vah bhi jis din Bank open huye hote hain. Vahi, NEFT mein Subah 8 Baje se lekar shaam 7 Baje tak total 12 transfer kar sakte hain. Halanki, kai baar alag-alag Bank alag-alag time ka palan karte hain.

Online RTGS aap time table ke according hi kar sakte hain. Lekin online NEFT ke tahat agar Paisa time rahte nahi bheja gya toh saamne wale ko paisa Bank ke next working day par hi paisa milega.

Kitna Amount Send kar sakte hain?

RTGS system ka use Big amount send karne ke liye hota hain. Isme minimum 2 Lakh aur Maximum 10 Lakh rupaye transfer kiye ja sakte hain. Vahi, NEFT mein aap jitna chahe utna paisa send kar sakte hain, Lekin yeh Sirf Online NEFT mein kar sakte hain, Offline yani ki Bank branch mein jakar Cash Deposit aap 50,000 se zyada nahi karwa karwa sakte hain.

Transaction agar Fail ho jaye toh ?

RTGS ke tahat agar money send karne par agar paisa paane wale ke account mein paise jama nahi ho paye toh vah paisa automatically aapke Bank account mein dubara vaapis aa jata hain. Vahi NEFT transaction fail hone par Jis bank mein aapne paise bheje hain usay 2 hours ke andar aapke bank ko paise vaapis karne hote hain.

Charges kya hain ?

Every NEFT transaction ke liye Services Tax ko chhod kar 25 Rupees se jyada charge nahi liya jayega. Vahi RTGS mein maximum fee 55 rupees hain. Aap Bank ke kisi bhi branch se transfer karne ke mukable Online Transaction karna zyada faydemand hota hain.

Kya transaction ko roka ja sakta hain?

Yunki RTGS mein Real time transaction hota hain, isliye agar aapne transaction kar diya hain toh usay baad mein bhi rok sakte hain. Vahi, NEFT mein bhi aisa hi hota hain.


 
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