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Guide to Common Indian Electronic Payment Methods

To navigate digital banking, you must understand the difference between the core transfer services used in India:

  • NEFT (National Electronic Funds Transfer): An electronic fund transfer system maintained by the RBI. Transactions are processed in hourly batches rather than immediately. NEFT is free for online transfers and operates 24/7.
  • RTGS (Real Time Gross Settlement): Used for high-value immediate transfers. The minimum transfer limit for RTGS is **₹2,00,000**. It settles in real-time on an individual basis, also available 24/7 online.
  • IMPS (Immediate Payment Service): Managed by the NPCI. Unlike NEFT, it transfers funds instantly to the recipient bank account. It is available 24/7, with a transaction limit generally capped at **₹5,00,000**.
  • UPI (Unified Payments Interface): A mobile-first instant transfer architecture built on IMPS rails, enabling bank-to-bank transfers via virtual payment addresses (VPA/UPI ID) or scanning QR codes, with a daily limit of **₹1,00,000**.