NEFT, RTGS, IMPS क्या है. और NEFT, RTGS, IMPS & UPI. में क्या अंतर है? पूरी जानकारी पढ़ें।

Hello Friend, Aaj hum Money Transfer methods NEFT, RTGS, IMPS aur UPI methods ke bare me detail me janenge aur sath hi yah bhi samjhenge ki in sab me kya difference hai. Kai dino se mujhe is topic se related requests aa rhi thi to aaj maine socha ki yah post likh hi deni chahiye. Yadi aap bhi Sadupayo Blog pr aisi koi jankari puchhna chahte hai to hume comment kare, taki hum aapke dwara puche gaye topic se related post likh ske. So friends aage badhe hai.
Friends, Jaisa ki hum jante hai ki jab bhi hume kisi ko money transfer karna hoti hai to sabse pahle humare dimag me inhi methods ka name aata hai jaise NEFT, RTGS, IMPS, UPI. Haalaki ab to kafi sari aisi mobile apps aa chuki hai jinse hum money transfer kar skte hai. Lekin kya aapko pata hai un mobile apps se hum directly bank a/c me money tranfer nahi kar skte hai. Ye money hum ek mobile app ke wallet se dusre mobile app ke wallet me jarur send kar dete hai. Lekin wallet se bank a/c me vo money tranfer krne ka hume alg se charge dena hota hai. Lekin jo mobile Apps UPI moethod ka use karte hai unse hum money directly Bank A/c me transfer kar skte hai. Ab hum yaha pr upr di gai sari methods ko samjhenge.
NEFT[National Electronic Fund Tranfer]:
Is method ko year 2005 me develop kiya gya tha. Aur Is method ke through ek bank se dusre bank me fund tranfer karne pr lagbhag    2-3 hours lg jate hai. Aisa isliye Qki isme bunch banakr payment tranfer kiya jata hai. Aisa nhi hai ki jab hum kisi ko NEFT ke through payment karte hai to Bank me koi employee baitha hai aur vo jab click karega tabhi humara fund tranfer hoga. Actually NEFT ke through payment karne ki kuchh timing hoti hai jaise  8:00 AM to 06:30 PM. Aisa isliye ki jab ise desin kiya gya tha to developers ne socha ki yadi is method me yadi koi issue aata hai to ise office timing me hi resolve kr liya jaye. Yadi is method ko  24x7 ke liye enable kr diya jata aur yadi night me koi transaction me problem aa jati to use dekhne wala koi nahi hota. Isliye is method ke through hum only office time me hi transaction kar skte hai aur NEFT ke through transfer kiya gya payment office timing me hi receiver ko recive hota hai.
Isme hr ghante ka schedule banaya hota hai jisme kai sare logo ka ek sath payment tranfer hota hai. Fund Transfer ke liye NEFT ka jo software banaya gya hota hai vo har ghante kuch fix transactions ko clear karta hai aur fund ko ek a/c se dusre a/c me tranfer karta hai. For example maan lijiye ki ek gnate me 500 transactions hi clear honge. Aur humne jo transaction kiya hai vo 510 ve  number ka transaction hai to vo next hour me clear hoga. Isme sabhi banks ka charges alag alag hota hai.

Fees and Charges for SBI NEFT

Transaction Amount Transaction Fee
More than Rs.2 lakh Rs.25
More than Rs.1 lakh to Rs.2 lakh Rs.15
More than Rs.10,000 to Rs.1 lakh Rs.5
Up to 10,000 Rs.2.5
RTGS (Real Time Gross Settlement):
Ye method bhi year 2005 me hi aai thi. Aur working hours me hi isme bhi fund transfer hota hai. Jaisa ki hum jante hai ki NEFT me hourly bunch banakar fund tranfer kiya jata hai aur iske liye hume 2-3 hours wait bhi krna padta hai. To aise me yadi koi person ko 2 lac ya usse jyada amount ka transaction karna hota hai aur uske pass wait karne ke liye bilkul bhi time nhi hai. Yadi kisi person ko 2 lac ya usse bade amount ko ek a/c se dusre a/c me urgently transfer karna hai to uske liye yah technique [RTGS] banai gai hai. chuki NEFT aur RTGS methods, working hours me hi money transfer karte hai uske baavzood ye methods aaj bhi kaam kar rhi hai Qki jo log in methods ke sath familier ho chuke hai vo log aaj bhi in methods ka use kar rhe hai. Isliye ise band nhi kiya gya hai. SBI ke RTGS charges ko aap Yahaan click karke detail me dekh skte hai.

IMPS(Immediate Payment Service):
IMPS technique 2010 me aai.IMPS same to same RTGS hi hai. IMPS aur RTGS me sirf ek hi difference hai RTGS keval official time me hi fund transfer karta hai lekin IMPS ke through aap 24x7 kabhi bhi fund transfer kar skte hai. IMPS me bank holiday ki bhi dependency nhi hai. Aaur any time aur any amount transfer kar skte hai. IMPS technique ko third party ne banaya hai, isme Bank ka koi role nhi hai. IMPS technique ek third party ne develop kiya hai us third party ka name hai NPCI [National Payment Corporation of India](भारतीय राष्ट्रीय भुगतान निगम)

NPCI ke paas puri team hoti hai jo ki 24x7 work karti hai aur IMPS me yadi koi problem aati hai to us problem ko resolve karti hai. Yani IMPS ki puri zimmedari NCPI ki hoti hai. Isliye hum IMPS ke through kabhi bhi fund transfer kar skte hai.


Transaction AmountTransaction Fee
Upto Rs.1000/-No Charges
Rs.1001 to Rs 10,000/-Rs.1/- + GST
Rs.10,001 to Rs 1,00,000/-Rs.2/- + GST
Rs 1,00,001 to 2,00,000/-Rs.3/- + GST
UPI (Unified Payment Interface):
NEFT, RTGS, IMPS me humko fund transfer karne ke liye pahle to beneficiary add karna hota hai jo ki verify hone ke liye 2 se 3 hours leta hai. Aisa isliye hota hai Qki jab hum kisi baneficiary ko humare bank a/c me add karte hai to bank me lga software yah check karta hai ki aapne jo detail add ki hai vo sahi hai ya nhi aur verify karne ke pahle humare pass message send karta hai taaki hume yah pata chal ske ki humare Bank a/c me koi beneficiary add kiya gya hai. Ye process isliye hoti hai Qki koi hackers bhi humare a/c ko hack karke kisi baeneficiary ko add kar de to humare pass message aa jata hai aur hum turant hi action le skte hai. chuki 2010 ke baad se in techniques (NEFT, RTGS, IMPS) me koi updation nhi hua to ye techniques kaafi old ho chuki hai. 
Iske baad 2016 me UPI System aaya. Is method ke through payment karne par hume na to kisi ke bank a/c ki jarurat hoti h, Na kisi IFSC Code ki jarurat hoti hai, aur na hi kisi Registered Mobile Number ki jarurat hoti hai. UPI Payment System me humko sirf ek ID generate krni hoti hai, us id ke through hum kisi ko bhi fund transfer kar skte hai. UPI se payment karne pr humara payment IMPS ke through dusre a/c me transfer ho jata hai, hume sari detail dalne ki jarurat nhi hoti hai. Aur UPI ko manage karne ka kam bhi NPCI [National Payment Corporation of India] hi karta hai. Yani kul milakar hum keh skte hai ki UPI jo hai vo IMPS ka advance version hai.
Chuki Ab Sari Banks Digital India ko support kar rhi hai to NPCI ne kai sari other mobile applications ko bhi fund transfer karne ke rights de diye hai jaise Google, Facebook, Paytm, PhonePe etc. Ye sari apps bhi IMPS ke throgh humari UPI ID ko use karke ek a/c se dusre a/c me fund transfer kar deti hai.
To dosto, aaj ki humari yah post kaisi lagi please comment karke jarur bataye. Aur yadi is post me maine kuch galat information likh di ho to please comment karke jarur bataye. Mai use correct krne ki koshi karunga. Ab humari mukaQat hogi humari next post me tab tak ke liye Thank You Very Much. Jai Hind, Jai Bharat.

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