Neft kya hai aur kaise kaam karta hai?

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NEFT (National Electronic Fund Transfer) kya hai?

Wartman samai me ek bank account se dusre bank account me paise bhejne ke liye kayi vikalp maujood hai jaise RTGS, NEFT, IMPS. Internet ke maadhyam se Banking process bohot tez ho gayi hai. App desh ke kisi bhi kone me maujood kisi bhi bank account me turant paise transfer kar sakte hai. Ish post me hum NEFT ke bare me charcha karenge. Neft ke madhyam se app apne bank jakar ya fir Net banking ke madhyam se ghar baithe hi ek account se dusre account me paise transfer kar sakte hai.


Neft kya hai aur kaise kaam karta hai?,neft kya hai,neft

NEFT KYA HAI?

NEFT ka pura naam National Electronic Fund Transfer hai. Neft fund transfer ka ek asaan aur saral tarika hai. Iske madhyam se deshbhar me kisi bhi Bank ke account me paisa transfer kar sakte hai. Neft ki suruwaat Reserve Bank of India dawara November 2015 me huwi thi aur ye sewa Wartman samai me lagbhag har Bank me uplabdh hai. Neft me paiso ka transfer RTGS ki tarah Real time me na hokar Hourly Batches me hota hai.

Neft ke madhyam se paise transfer karne ke liye apko jis person ke account me rakam bhejni hai uska Name, Bank account number, Branch address aur ush bank ka ifsc code pata hona chahiye. 

NEFT KAISE KAAM KARTA HAI?

NEFT bhi Rtgs ki tarah hi kaam karta hai lekin neft ka process Rtgs ke mukable dhimi hai aur ishme minimum amount ka bhi koi partibandh nahi hai. Neft se paise transfer karne par fees lagti hai jo ki bheji jane wali amounts par nirbhar karti hai. 

Neft se fund transfer karne ke liye apko paise prapt karne wale person ka Name, Bank account number, Branch address aur ush bank ka ifsc code pata hona chahiye.

NEFT ke madhyam se paise do trah se transfer kar sakte hai ek toh offline yani ishme apko apne bank branch me jakar NEFT ka form lekar, usme sabhi jankari bharkar Bank me jama karna hoga.

Dusra tarika hai Online yani agar app Net Banking ka use karte hai toh app ghar baithe hi NEFT ke madhyam se paise bhej sakte hai. iske liye apko third parti transfer service activate karwai hogi. ishme apko add new beneficiary me jakar beneficiary ki details ko add karna hota hai. Ab aap fund transfer ke liye Neft option select kare aur beneficiary account select kare jise paise transfer karne hai. uske baad jitni rakam bhejni hai use enter kare aur submit kar de.


Neft Settlement timings- 2019

Neft bank ke sabhi working days me kaam karta hai agar time ki baat kare to ye morning 8:00 baje se lekar evening 7:00 baje tak 23 half Hourly batches me hota hai agar kisi karan deri ho to transaction agle din working hour me hota hai. 

Mahine me 2nd aur 4th Saturday ko koi Settlement nahi hota hai. weekly holidays aur public holidays me bhi koi transaction nahi hota hai.

Charges For NEFT Fund Transfer 2019

NEFT ke madhyam se fund transfer par apko Service charge (GST) dena hota hai Joki nimn parkar hai-

10000 ki rakam tak = 2.5 + (GST)
10000 se upar aur 1 lakh se kam = 5 + (GST)
1 Lakh se upar aur 2 Lakh se kam = 15+ (GST)
2 Lakh se upar ke liye = 25 + (GST)

Upar diye gaye charges me badlaaw bhi ho sakta hai. present charges ke liye app bank se pata kar sakte hai.

List of NEFT enabled banks in India 2019
  • State Bank of India
  • Bank of India
  • ICICI Bank 
  • Oriental Bank of Commerce
  • Vijaya Bank Nainital Bank 
  • Allahabad Bank
  • Canara Bank Bank of India
  • Central Bank of India 
  • Punjab National Bank
  • Dena bank 
  • HDFC Bank 
  • UCO Bank
  • Axis Bank 
  • Yes Bank
  • United Bank of India
  • Syndicate Bank 
  • Andhra Bank 
  • Union bank of india 
  • Indusind Bank

NEFT ki kuch khash baate-

1. NEFT paise transfer karne ki ek electronic process hai.
2. NEFT se paise bhejne ke liye beneficiary ka Bank account no. aur bank Ifsc code jaruri hai
3. koi bhi person jiska bank me account hai ish sewa ka laabh utha sakta hai.
4. NEFT ke madhyam se app offline (branch me jakar) aur online (Net banking ke dwara) dono trah se paise bhej sakte hai.
5. NEFT ki suwidha sabhi CBS branches deti hai.

Ummid hai apko NEFT kya hai aur kaise kaam karta hai? samajh gaye honge. Appke mann me koi swaal hai ya koi sujhaaw dena chahte hai to comment jarur kare.

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