NEFT (National Electronic Funds Transfer) - RTGS VS NEFT



Read all about the  NEFT  or  National electronic funds transfer  and what it means.

What is NEFT ?

NEFT stands for National electronic funds transfer. NEFT is another form of money transfer available in India. But it works a bit different from the RTGS.

You can transfer any amount of money through NEFT. There is no minimum amount as in the case with RTGS (2 lakhs). This is a big advantage NEFT has. But here the disadvantage is that the transfer of money takes place a bit slower. Transfer takes place in batches with similar transfers and hence will not be instant.

In NEFT, the main features are

- Settlement takes place only in batches

- Slower

- Any amount can be transferred. No minimum money or maximum money to transfer

- Bank charges Rs. 5 -25 depending upon the money transferred.

- Week days – works between 9:00 – 19:00 hours

- Saturdays - works between 9:00 – 13:00 hours


NEFT is perhaps the most common method of money transfer for the normal public.

If you have any doubts regarding this topic please do comment below




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