NEFT (National Electronic Funds Transfer) aur RTGS (Real Time Gross Settlement) ke Beech Antar:
Bharat mein banking aur financial transactions ka
landscape kaafi tezi se evolve ho raha hai. Digital banking aur electronic
payments ka prachar badh raha hai, aur ismein NEFT (National Electronic Funds
Transfer) aur RTGS (Real Time Gross Settlement) jaise systems kaafi pramukh
hai. Yeh dono payment systems ek hi basic kaam karte hain, yaani ki ek bank se
doosre bank mein paisa transfer karna. Lekin, dono systems mein kaafi
differences hain jo users ke liye important hain. Agar aapko NEFT aur RTGS ka
use karna hai, toh in dono systems ke beech ke differences ko samajhna zaroori
hai. Is article mein, hum aapko detail mein samjhayenge ki NEFT aur RTGS kaise
alag hain aur kaun sa system kis situation mein use karna chahiye.
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| NEFT aur RTGS Explain in Hindi |
→NEFT (National Electronic Funds Transfer) Kya Hai?
NEFT ek electronic payment system hai jo India ke banking
system mein paisa transfer karne ke liye use hota hai. Yeh system ek bank se
doosre bank mein paisa transfer karne ka ek efficient aur secure tareeka hai.
Yeh real-time payment processing nahi karta, iska matlab hai ki yeh ek batch
processing system hai, jisme transactions ek predefined schedule ke according
process kiye jaate hain.
⇾ NEFT ke Features:
- Batch
Processing: NEFT transactions ko ek batch mein process kiya
jaata hai, aur yeh batches ek din mein kuch fixed time slots par process
hote hain. Iska matlab hai ki agar aapka transaction batch processing time
ke andar nahi aata, toh aapko thoda intezaar karna padta hai.
- Transaction
Limit: NEFT mein koi specific minimum ya maximum
transaction limit nahi hoti, lekin yeh zyada tar chhote aur medium-level
transactions ke liye useful hai. Agar aap chhote amount ka transfer karna
chahte hain, toh NEFT ek ideal option hai.
- Transaction
Timing: Transaction ka timing depend karta hai ki batch
processing kab ho rahi hai. Yeh kuch ghanto se lekar ek din tak ka time le
sakta hai, isliye agar aapko turant paisa transfer karna ho, toh yeh
system suitable nahi hai.
- Charges: NEFT ke
liye charges bhi bank ke hisaab se vary karte hain. Kai banks mein yeh
service free hoti hai, jabki kuch banks is par nominal charges lagate
hain.
⇾ Kab Use Karein:
- Aapko
chhote ya medium value transactions karne ho.
- Aapko
paisa transfer karne ki turant zaroorat na ho.
- Aapko
flexible timing chahiye aur aapko batch processing ka intezaar karna theek
lage.
→ RTGS (Real Time Gross Settlement) Kya Hai?
RTGS ek real-time gross settlement system hai, jo ki un
logon ke liye hai jo bade aur urgent transactions karna chahte hain. Is system
mein transactions turant process hote hain aur ek ke baad ek har transaction ko
individual basis par settle kiya jaata hai. Matlab agar aapko turant paisa
transfer karna ho, toh RTGS aapke liye perfect choice hai.
⇾ RTGS ke Features:
- Real-Time
Processing: Jaise hi aap RTGS ka transaction initiate karte
hain, paisa turant doosre bank ko transfer ho jaata hai. Yeh system
continuously aur real-time transactions ko process karta hai, jo ki NEFT
se kaafi alag hai.
- Transaction
Limit: RTGS ka minimum transaction limit ₹2 lakh hota
hai. Iska matlab hai ki agar aap ₹2 lakh ya usse zyada ka paisa transfer
karna chahte hain, tab aapko RTGS use karna hoga.
- Transaction
Timing: RTGS mein paisa turant transfer ho jaata hai, aur
yeh ek direct transaction hota hai. Aapko kisi bhi tarah ka wait nahi
karna padta.
- Charges: RTGS
ke charges bhi bank ke hisaab se vary karte hain, lekin RTGS generally
bade transactions ke liye hota hai, isliye banks is par higher charges
laga sakte hain.
⇾ Kab Use Karein:
- Aapko
₹2 lakh ya usse zyada ka paisa transfer karna ho.
- Aapko
immediate aur fast transfer ki zaroorat ho.
- Aapko
bade amount ke transactions karne hon.
↔NEFT aur RTGS ke Beech Key Differences
Yeh dono systems bank accounts ke beech paisa transfer
karte hain, lekin in dono mein kaafi major differences hain jo users ke liye important
hain:
NEFT (National Electronic Funds Transfer)
Processing Time: Batch Processing ,Predefined
time slots.
Transaction Limit: No specific limit
Suitability: Chhote or medium value transaction ke liye
Charges: Bank ke hisaab se vary karta hain,generally low.
Transaction Timing: 1ganta ya 24 Hours lag sakte hai.
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RTGS (Real Time Gross Settlement)
Processing Time: Real time processing,turant transfer.
Transaction Limit: Minimum 2 lakh.
Suitability: Bade aur urgent transaction ke liye.
Charges: High charges for large transactions.
Transaction Timing: Immediate,real time transfer.
⇾ NEFT aur RTGS ka Chayan Kab
Karein?
Aapko kaunsa system use karna chahiye yeh aapke
transaction ke type par depend karta hai. Agar aapko chhote transactions karne
hain aur aapko paisa transfer karne ki jaldi nahi hai, toh NEFT aapke liye best
hai. Agar aapko turant aur bade amount ka transfer karna ho, toh RTGS ko choose
karna chahiye.
⇾NEFT Ka Use Kab Karein:
- Jab
aapko ₹2 lakh se kam ka paisa transfer karna ho.
- Jab
aapko paisa transfer karne ki turant zaroorat na ho.
- Agar
aapko flexible timing ki zaroorat ho aur batch processing ka intezaar kar
sakte hain.
→RTGS Ka Use Kab Karein:
- Jab aapko ₹2 lakh ya usse zyada ka paisa transfer karna ho.
- Jab aapko paisa turant transfer karna ho.
- Agar aapko bade transactions karne ho aur aapko speed chahiye.
Nishkarsh (Conclusion)
NEFT aur RTGS dono hi Indian banking system mein essential role play karte hain, lekin dono ka use case alag hai. Agar aapko chhote transactions karne hain aur aapko time ki koi zaroorat nahi hai, toh NEFT ek accha option hai. Agar aapko bade transactions ki turant zaroorat ho, toh RTGS sabse behtar hai. In dono systems ke beech ke differences ko samajhkar, aap apne requirements ke hisaab se best option choose kar sakte hain.
Toh, NEFT aur RTGS dono hi systems digital banking ko efficient aur secure banane mein madadgar hain. Aapko bas yeh dekhna hai ki aapke transaction ka size, urgency, aur timing kya hai.
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