NEFT, RTGS, IMPS Aur UPI Me Kya Farak Hai? Bank Transfer Guide 2026

Updated September 16, 2026

Bank se paisa transfer karne ke kai tarike hain — NEFT, RTGS, IMPS aur UPI. Har ek ki apni speed, limit aur use hai. Is guide me simple bhasha me samjhenge ki kab kaunsa use karna chahiye.

NEFT (National Electronic Funds Transfer)

Chhoti-badi dono amount ke liye. Paisa batch me settle hota hai (thoda time lag sakta hai). Iske liye beneficiary ka account number aur IFSC code chahiye. Koi upper limit nahi.

RTGS (Real Time Gross Settlement)

Badi amount (minimum ₹2 lakh) ke liye. Paisa real-time turant transfer hota hai. Bade business payments ke liye best. IFSC code zaroori.

IMPS (Immediate Payment Service)

24×7 instant transfer, chhoti amount ke liye best. Chhutti ke din bhi kaam karta hai. Account number + IFSC, ya mobile number + MMID se ho jaata hai.

UPI (Unified Payments Interface)

Sabse aasaan — sirf UPI ID ya QR code se instant transfer. Bank details ki zaroorat nahi. Roz ke chhote payments ke liye No.1.

Kaunsa Kab Use Kare? (Quick Table)

Roz ka chhota payment — UPI
Turant paisa, chhutti me bhi — IMPS
Badi amount (2 lakh+) — RTGS
Normal transfer, koi jaldi nahi — NEFT

IFSC Code Kaha Se Le?

NEFT, RTGS aur IMPS teeno ke liye sahi IFSC code zaroori hai. Apni branch ka IFSC Be Code IFSC search par free me check karein. International transfer ke liye SWIFT code dekhein.