NEFT IMPS RTGS & UPI What does  mean and how to use

Hello Namskar Dosto,
Friends, Digital duniya me apka swagat hai. Dosto aaj sab kuchh digital ho rahi hai, Aise me online payments ke bare me shayad hi aisa koi hoga jo nahi janta hoga. Aaj ke iss post me ham apke usi knowledge ko aur badhane wale hai. Aur janenge ki online payment ke options NEFT IMPS RTGS & UPI इन सबका मतलब क्या है और इसे कैसे यूज करें? | NEFT IMPS RTGS & UPI What does all this mean and how to use it? To chalo friends jante hai iske bare me.

Introduction

Dosto, 2005 se pahle online payments ka namo nishan tak nahi tha. Sab lok paise ka lenden normal tarike se yani bank me jakar karte the. Par bank me jada logo ke account hone ke karan bank me jada bhid hone lagi. Isi probleam ko solve karne ke liye ATM card ko laya gaya. Par jaise jaise Technology ne apne rang dikhaye vaise hi banko ne 2005 me ek new tarika yani online payment ki seva logo ko dene wali service start kardi. Par ye service 2 hisso me thi. Chaliye jante hai.

1.NEFT ( National Electronic Funds Transfer)

NEFT ka full form "National Electronic Funds Transfer" hai. Agar aap 2005 me kisi ko NEFT se online paise transfer karte the to samne wale ko vo paise 2 ya 3 hours me milte the. Yani NEFT me instant money Transfer seva nahi thi. Aur to aur online payment aap sirf bank ke working time me hi kar sakte the. Yaha apko online payment holidays ko karne ki anumati nahi thi.

NEFT me 2 ya 3 hours me money transfer hone ka sabse bada karan ye tha, ki vo nahi chahte the ki har 1 transaction ke liye server use ho. Isiliye NEFT me har 2 ya 3 hours me huye sare transaction ko collect kiya jata tha. Uske bad us banch ko server tak pahucha kar transaction ko pura kiya jata tha.

2.RTGS (Real Time Gross Settlement)

RTST ka full form "Real Time Gross Settlement" hai. RTGS ko bhi 2005 me hi banko dwara laya gaya tha. Lekin RTGS me hame sirf 2 lakh se jada ammount ko hi transfer karne ki permission thi. Agar ham 2 lakh se jada ka amount agar kisi ko transfer karte hai. To money transfer instanly ho jata hai. Lekin iski bhi vahi condition hai jo NEFT ki thi yani yaha bhi aap online payment sirf bank ke working time me hi kar sakte the. Aur apko online payment holidays ko karne ki anumati nahi thi.

5 sal tak NEFT and RTGS ke alava koi bhi dusra online payments ka option nahi tha. But 2010 me NPCI (National Payments Corporation Of India) ne online payment ki ek new aur NEFT & RTGS ko pachhadne wali online payment service ko janm kiya jiska nam hai IMPS (Immediate Payment Service).

IMPS (Immediate Payment Service)

IMPS Payment Option

IMPS ka full form "Immediate Payments Service" hai. Apne nam ki tarah hi IMPS ko Immediate Payment Service ke liye janane lage. Ye service 2010 me NPCI (National Payments Corporation Of India) ne lounch ki thi. IMPS me ham kitna bhi paisa kabhi bhi transfer kar sakte hai. yaha working time ki ya holidays ki conditions nahi thi. Mano to NPCI Dwara banai gai IMPS servise Banko dwara banaye gaye NEFT & RTGS Service se kafi jyada behtar thi. Isiliye sare banko me NPCI se patch-up kar liya.

Kahte hai "Techology Aur Science apni khoj kabhi rokte nahi". Aur ye bat ek bar fir NPCI ne sabit kar dikhaya.

NEFT, IMPS, RTGS Me agar apko online money transfer karna hota hai to apko Beneficiary add karna padta hai. Jo lagbhag 24 hour ke bad verify hota hai. Isiliye isse dhyan me rakhte huye NPCI ne iss par work kiya Aur August 16,2018 ko UPI (Unified Payments Interface) ko lounch kar diya.

UPI (Unified Payments Interface)

UPI Payment Option

Friends, UPI ka full form "Unified Payments Interface" hai. Isse bhi NPCI ne hi banaya hai. 2018 me lounch hua UPI pichle tino NEFT, IMPS, RTGS Se advance hai. Yaha hame UPI me sabse pahle apne bank ko link karna hota hai, Uske bad hame ek email id ki tarah ek id mil jati hai. Jise use karke ham 24 X 7 Kabhi bhi money transfer kar sakte hai. Aur to aur friends ye bahut hi easy aur simple hai. Jise koi bhi aam knowledge wala Vyakti kar sakta hai.

My Massage :- Dosto, agar aap abhi bhi online payments nahi karte to Online payment ke bare me aur jankari hashil karke aap online payment kare. Online payments karke aap apna wakt aur desh ka paisa dono bacha sakte hai.

Ummeed hai dosto aapko aaj ka NEFT IMPS RTGS & UPI इन सबका मतलब क्या है और इसे कैसे यूज करें? | NEFT IMPS RTGS & UPI What does all this mean and how to use it? Yeah post jarur pasand aaya hoga. Online payment ek easy & safe tarika hai. Jise har Bank account holder ko apnana chahiye. Online payment me agar koi bhi probleam aati hai to iski jimmedari NPCI ki hai. Aur NPCI ke customer cere 24 X 7 apke seva me hai.

अगर आपको आज का यह पोस्ट पसंद आये तो कमेंट करके जरूर बताये क्युकी कमेंट बॉक्स आपका ही है। हो सके तो अपने हर फ्रेंड्स को आप इस पोस्ट को सोशल मीडिया पर शेयर करके जरूर बताये। और साथ ही साथ हमारे ब्लॉग वेबसाइट को सब्सक्राइब करे। ताकि आप पा सके ऐसे ही महत्वपूर्ण जानकारियों के नोटिफिकेशन सीधे अपने मोबाइल पर।

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