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RTGS and NEFT kya hai? How To you transfer money in Hindi 2018

RTGS and NEFT related kuch Tips in hindi-

Hello, Dosto online hindi points mein apka swagat hai .dosto  aaj main apko bataunga ki jab hum bank mein paise transfer karte hai tab apko ek RTGS and NEFT kya hota hai . hum agar kisi ko paise transfer karna chahte hai to aap inme se koi bhi ek method ka use kar sakte hai . iske liye apko ye samjana hoga ki NEFT and RTGS kya hota hai .or isme kya difference hota hai .iske bare mein kuch jante hai .
RTGS kya hota hai
Apko hum batate hai ki RTGS ke Baarein mein kuch tips RTGS ka full form hai ,Real time gross settlement hi hota hai. isme paisa transfer bilkul real time hota hai .agar hamne paisa transfer kiya to idhar hamare mobile mein message  ayga or dusre taraf jiske bhi account mein hamne paisa bheja hai .turant uske account mein paisa credit kar diya jayga.
  • RTGS ki suwidha sunday or gazzatted holiday ko nahi milti kion ki is din bank off rahti hai .
  • RTGS mein money transfer tabhi ho sakta hai jab offishiyali bank chal rah ho .jaise ICIL ka bank normally 0900 se 1630 tak chalta hai .
  • RTGS mein hum newntam 02 lakh or adhiktm 10 lakh ka amount transfer ka adhiktam time 02 ghanta hai.
  • RTGS mein money transfer bilkul real time mein hota hi hai apko maloom hi hoga.is tarike mein paisa transfer ka adhiktam time 02 ghanta hai .
  •  RTGS mein hum newntam 02 lakh or adhiktam 10 lakh ka amount transfer kar sakte hai .paise transfer adhiktam raashi alag – alag banko mein alag- alag hai.

RTGS or NEFT se paise transfer karne ki time ing hoti hai . uske anushar hi hum paise transfer kar sakte hai tatha inka charge bhi lagta hai alag – alag banko ka charge alag-alag hota hai yanh par apko ICILCL bank ki timeing or charge dikhaya ja rah hai –


NEFT kya hota hai 

NEFT kya hota hai jane NEFT ka full form hota hai National Electronic Fund transfer hoti hai .
NEFT mein paisa transfer Batches mein hota hai . or takreeb her ek ghante ka ek batches hota hai. isme aap monday se friday tak 0800 se 1900 hrs or monday ko 0800 se 1230 hrs tak paisa send kar sakte hai .bank apne duwara bheje gaye paise ko age bhejne ke liye monday- friday tak 12 batches or monday ko 06 batches chalati hai.yadi apne 1700 baje tak paisa transfer kiya hai . to takriban usi din bank paisa account mein credit kar deta hai lekin agar apne paisa transfer 1700 se 1900hrs ke bich kiya hai . to bank eska nishpadan agle din karti hai NEFT mein hum adhiktam 10 lakh tak paisa transfer kar sakte hai .

RTGS ko kon prayog kar sakta hai ya kiske liye avashyak hai –

Yeh koi wyakti dainik bade transaction kar rah hai tab unhe mukhyta RTGS ki jarurat hoti hai dekha jaye to karobario ke dwara ye jyada istmal mein laya jata hai kio ki unhe apne Business se sambdhit din bhar mein kai bar jyada bade valu ke transaction  karne hetu hai . or ayse High Value wale Transaction RTGS ke madhyam hi kiya ja sakta hai . lekin  
ye sirf unke liye hi simit nahi hai . balki RTGS ka istmal aam Investors ya person bhi kar sakte hai .
Agar kisi wyakti ko apne kisi ek Account se dusre Account mein ya fir kisi dusre log ke Account mein INR 2,00,000 ya usse jyada ka Fund Transfer karna hai to use RTGS ka istmal karna hi hoga  Fund Transfer ke liye .aap Mutual Fund mein investment karne ke liye bhi RTGS ka ismal Use kar sakte hai .or aap isse bahut padkar seekh jaynge .

IFSC code kya hota hai 

apko hum batay ki IFSC code kya hai IFSC code yani kisi brance ka unique code hota hai or yah 11 digit ka hota hai pahle 4 word ka bank ka code hote hai fir uske baad ka code branche ka code IFSC code apko apki passbook par ya cheque book par mil sakta hai . or IFSC code apni bank ka yad hona bahut jaruri hai kio ki yah money transfer karne ke liye use hota hai .

RTGS and NEFT kya hai or Dono mein kya Differnce hai 

AokoHum batate hai ki RTGS and NEFT mein kiya anter hai.
RTGS and NEFT ek bank se dusre bank mein money transfer ke 2 alag-alag tarike hai . dono ek dusre ke saman hai .or dono se paise transfer karne ki limit alag -alag hai .mai apko niche RTGS or NEFT ke bare mein alag- alag bata rah hon jisse apko samajhne mein asani hogi . RTGS and NEFT mein kya Difference hai jane agle-

RTGS- RTGS ek bank se dusre bank mein paise Transfer karne ke liye 2004 mein RBI ke dwara start kiya gaya tha .RTGS se sambdhit kuch mukhy bindu niche diye ja rahe hai .agle dekhe –

Criteria          NEFT                                 RTGS


Settlements  Transfer ko batches mein   yanh par transfer
                       settle kiya jata hai .            individually settle 
                                                                  kya jata hai .

RTGS     yanh par settlements ko           lekin yanh par ral
Timing    hourly basic mein bank             time par hi total                     

 process ko niptaya  jata hai.                  working hours ke dwara  kya jata hai .  


Transaction  yanh koi minimum limit       yanh par minimum 
amount         nahi hai leki ek maximum   limit hai 2 lakh rupy  
                     limit jaruri hai .                    bahi koi bhi upper 
                                                                ceiling nahi hai .

Value            Inhe mukhy lower              Inhe higher value ke 

                     And medium rang              transaction ke liye 
                     ke transaction ke liye         istmal kiya jata hai .
                     kiya jata hai .


Offline method RTGS se kaise kare 

  1. Hum apko batate hai ki offline kaise kare RTGS se agar apko Online se apply karna nahi ata hai tab ap isse bhi apply kar sakte hai . par iske liye apko Physical Bank branch mein jakar thik usi trah se ek slip bharni hoti hai . jis tarah se aap cheque Deposit ya NEFT karte time normally form bharte hai.
  2. Aap jaise hi Instruction slip Fill karke Deposit karte hai . to sending bank us Instruction slip mein bhari gai information ko apne slip central processing system mein feed kar dete hai .
  3. Isko information central processing system par feed karte hi use RBI ko send kar di jati hai .
  4. Iske paschat RBI sare transaction ko process karke complete karta hai .or sending bank ke account mein us Amaount ko credit kar deta hai .
  5. Isse se puri Process ke bad ek Unique transaction number (UTN) Generate hota hai .jisse se RBI , amount send karne bale bank ko bhejkar kar deta hai.senter Bank ko ye UTN prapt hone ka ye matlab hota hai ki apka Found abhi transfer ho gaya hai .
  6. jaise hi amount karne bale bank ko UTN receive hota hai .baise hi bahe bank iski jankari Amount rceive karne bale Bank ko deta hai .or iske bad receive bank bah Amount us Account Holder ke Account mein credit kar deta hai jise Amount send kiya gaya hai. 


Is prkrya ko pura hone ke liye lagbhag 30 minutes ki awdhi lag jati hai ayr iske doarana hi apka RTGS Transaction complete ho jata hai or Fund Beneficial ke account mein Credit kar deta diya jata hai


Conclusion :
Hamne is post mein kafi sari baatein jayse ki RTGS and NEFT kya hai or yah kaise kam karti hai . nuksan kya hai aadi Share ki thi enhe padne ke bad ap bahut kuch samajh aye honge abhi apko online internet se bahut sari bat milti hai .or thoda samajh lena jaruri hai taki kuch fayda ap bhi prapt kar sakte sakte hai hamare blog se www.onlinehindipoints.com par kafi sari jankari share kari hai .ap sabhi post pad sakte ho
Dosto apko RTGS and NEFT kya hai iski puri jankari in hindi ki post kaisi lagi ap wakai kuch janne ko mila hai to comment jaruri kare or ise tarh information ke liye blog ko email se subscribe kare or neechi ghanta dawai or  follow kar sakte hai. or Share to banta hi hai apko ek share karne ke liye Thanks..

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About the author

Nazir Husain

Nazir Husain

Hello friends My name is Nazir Hussain and My blog is online Hindi points. I share my knowledge in Hindi on this blog . I live in India and I want to do some kind of help for the people of india. If you liked our website,Definitely share this blog with your friends .

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