Apne pechle article me humne aapko bataya tha ki Net Banking kya hai aur is par id banakar isko start kaise karte hai.

Aaj hum aapko apne is article me batayege ki kaise aap Net Banking ko start karke use kar sakte ho.

Jaise ki aaj kal aap sabhi ko pata hai ki Demonetization ke is daur me, sabhi ko cash ki bhut problem ho rahi hai, toh yaha par net banking aapke liye bhut zaada faaydemand ho sakti hai.

Kyuki jo log pehle se hi apne business, shop, aur durse kaamo ke liye net banking ka use kar rahe hai, unke liye is time Net Banking kis chamtkar se kam nhi hai.

Humne bhut se log se baat ki hai aur wo bhi yahi kahte  hai ki, “Agar is time unke pass Net Banking na hoti toh unko bhut bada nuksaan uthana pad sakta tha”.

Lekin agar aapne apni internet banking abhi start ki hai, toh humara ye article aapke liye bhut hi zaada upyogi sabit ho sakta hai.

Paytm kya hai aur is par account kaise banate hai ?

Toh chaliye aaj hum aapko batayege ki aap kaise internet banking ki shuruwat kar sakte hai.

Sabse pehle net banking ke features use karne se pehle unke baare me jaan lete hai, kyuki in features ki help se hi aap apne paise ko use kar sakte ho.

Chaliye shuru karte hai.

RGTS aur NEFT kya hai ?

Ye online banking se most important parts me se ek hai, inki help se hi aap apne paise ko transfer kar sakte ho.

RGTS ( Real Time Gross Settlement ):

RGTS ki full form hai. Real Time Gross Transfer . RTGS aapke paise transfer karane ke liye use kiya jaata hai. Iske liye aapko bank jakar RTGS ka form fill up karke submit karana hota hai.

Ye tarika banko ke jariye money transfer karne ke sabse tez tarika hai. Jaise hi aap paise transfer karne ki request bejte hai, Beneficiary bank ko 30 minute ke ander account holder ke account me paise jama karne hote hai.

RTGS ke jariye aap kam se kam Rs.2 Lakhs aur maximum Rs.5 Lakhs tak transfer kar sakte hai aur iski bhut kam transaction fee hoti hai. 

Iske ander 0 se 25 rs tak ki fees lag sakti hai.

NEFT : ( National Electronic Fund Transfer )

NEFT ki full form National Electronic Fund Transfer hai. NEFT ka bhi use paise transfer karane ke liye kiya jata hai.

Lekin NEFT settlement basis par late paise transfer karta hai. NEFT me money transfer ka kaam RTGS ke mukable batch me hota hai, jo ki aamtor par hours ke according decide hote hai.

BHIM App. kya hai aur ise kaise download kare ?

NEFT ke jariye hum Rs.1 se Lekar maximum Rs.5 Lakhs tak transfer kar sakate hai. Lekin ek baar me sirf 50000 tak hi transfer kar sakte ho.

NEFT me transaction fee 5 se lekar 50 tak ho sakti hai.

Activation :

NEFT ya RTGS Transaction ke liye internet banking istemaal karne wale logo ke pass Third Party Transaction activate karna bhut zaroori hai.

RTGS ya NEFT ke jariye paise transfer kaise kare :

Beneficiary:

Beneficiary yani ki hum jise money transfer karna chahte hai, uska naam aur account number pata hona bhut zaroori hai. Jis bank me money transfer karni hai, us bank ka IFSC Code pata hona bhi bhut zaroori hai.

Processing :

Bank Beneficiary ki detail check karne me bank ko 12-24 hours ke waqt lagta hai. Ye enquiry poori ho jaane ke baad naya Beneficiary Activate ho jaata hai aur Fund ko related account me transfer kiya ja sakta hai.

Bina IFSC code ke money transfer nhi kiya ja sakta.

Applicant:

Applicant yani ki khud hum hote hai. Isme bhi humko apna name, account number ye sub pata hona bhut zaroori hai. 

Transfer :

Sabse pehle ye Transfer Option ( NEFT ya RTGS ) ka selection kare. Iske baad Beneficiary ka naam, Amount aur baaki details submit kare.

Details aur Security transaction password dene ke baad ki processing ho jaati hai.

NEFT transfer batch me hota hai, yaani isme thoda waqt lagta hai, jabki RTGS transfer real time basis yani ki ek dum ho jaata hai.

IMPS ( Immediate Payment Service ) :

IMPS ka matlb hota hai Immediate Payment Service. Ye service mobile phone ke through hone wali ek interbank electronic fund transfer service hai. Isko abhi se ATM, Internet Banking etc ke roop ke durse channels ke through badaya ja raha hai.

MMID ( Mobile Money Identification Number ) :

MMID ( Mobile Money Identification Number ) ek saat ( seven ) number ki ek digit hai, jinme se pehle 4 number IMPS ko show kar rahe hote hai.

Kuch Important facts :

RTGS ke jariye kam se kam 2 lakh rs ki money transfer ki ja sakti hai. NEFT ke liye is tarh ki koi limit nhi hoti hai.

NEFT ke jariye fund ka transfer RBI ki taraf se ek limited time ke ander hota hai. RTGS transaction real time me ho jaate hai.

NEFT aur RTGS ke jariye Fund ka transfer bank branch ke jariye bhi ho jaata hai.

Aapko humara ye article kaise laga aap hume neeche diye gaye comment box me bata sakte hai.

Thank you,