What Is RTGS In Hindi And How Its Works

RTGS IN HINDI – Since the beginning of the 20th century, growth in communications technology has caused our financial systems becoming increasingly interconnected and interdependent. India mein aaj kal bahat sari bank uplabdh hai aur bahat sari banking facility bhi ghar baithen hi miljata hai.Kya aap ko malum hai ki Rtgs kya hota hai (RTGS IN HINDI) aur kyun iske bare mein jankari rakhna jaruri hai.

What Is RTGS In Hindi And How Its Works

Aaj kal banking ke sare kaam ham ghar baithe hi kar sakate hain. Ab wo din chale gae hai  jab hamein bank  jaakar lambi line mein khada hona padata thaa aur apne challan ya  money transfer karne ke liye  bahat time intejaar karna padta tha. Aap abhi bhi aisa kar sakate hain lekin kyun apna bahumulya samay nasht karein jab ham apne ghar se hi ye sabhi kaam kar sakte hain.

Aajkal bahat sare modern banking solutions upalabdh hain jaise ki real time gross settlement (RTGS), national electronic funds transfer (NEFT), aur immediate payment service (IMPS) jo ki in payment process ko bahut hi aasan bana deta hain. Aise services ke hone se hamare transactions ko jaldi, aasani se aur surakshit roop se kar sakate hain.

To aaj ham jis banking solution ke bare mein janenge vo hai RTGS (Real Time Gross Settlement ) yah ek bahut hi popular eletronic fund transfer method hai India mein. Iske antargat money ko real time mein aur individual basis mein bheja jaata hai. Rtgs ke madad se aap jyaada paise ek saath ek bank account se dusre bank account par bhej sakte hain. To aaj mein aap logon ko is article par rtgs kya hai aur ham kaise iska istemaal kar sakte hain ke baare mein puri janakari praapt karenge, to phir bina deri kiye chaliye suru karte hain aur jaanate hain kee RTGS kya hai.

RTGS Kya Hota Hai (Rtgs in Hindi)

RTGS ka full form kya hota hai Real Time Gross Settlement. Ye ek continuous, real-time process hai funds settlement ka jahaan ki funds ko individually aur order-by-order ke basis par bina netting ke ek account se dusre account par bheja jaata hai. Agar aasan bhasha mein kahoon to yeh ek aisa online banking method hai jahaan kee paison ko ek bank se dusre bank tak bina koi waiting period ke bheja jaata hai.

Reserve bank of India (RBI) ke hisaab se ye term ‘Real Time’ refer karta hai ki ye saare instructions ko saath saath process kar raha hota hai jaise jaise vo receive ho rahe hote hain aur na ki use baad ke samay mein process hone ke lie choda jaata hai. Aur doosra term ‘Gross Settlement’ ka arth hota hai ki funds transfer instuctions ke settlement individually hota hai instruction-by-instruction basis par.

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Ye system ko RBI ke dwara maintained kiya jata hai isiliye sare settlement of funds ko unke books ya records mein darj kiya jata hai, jis karan se Rtgs payments final aur irreversible hote hain jiska matlab hai ki ise dubara se nahin kiya ja sakata hai. isilye Rtgs ek bahut hi fastest jariya hai paison ko transfer karane ke lie secure banking chhannels ke dwara. Rtgs ke madhyam se aap kam se kam 2,00,000 rupees tak transfer kar sakte hain aur adhiktam ki  koe limit nahin hai, aap jitna chaahe utna fund transfer kar sakte hain, jab tak ki aapka bank branch aapke lie limit na tay kar de. To isse ye pata chalta hai ki Rtgs ka istemaal jyaada paison ke kaarobaar ke lie upayukt hai.

Iske alaava jo bahut hee mahatvapoorn advantage hai dusre fund transfer methods ke mukavale vo ye kee ye sabhi interbank transfers ke settlement risks ko elliminate kar deta hai aur ye RBI ke dwara sanchaalit hone ke kaaran bahut secure hota hai.

RTGS Kaise Kare

Ye sawal logon ke maan mein aata hai ki kaise vo Rtgs ke madad se paison ka transfer karen. To iska bahut hi aasaan sa uttar hai kee ye ham do tarah se kar sakate hain ek hai online tarika aur dosra hai offline tarika. To mein aap logon ko in donon tarikon ke vishay mein jaankari dene wala hoon.

RTGS Ko Online Se Kaise Karein ?

online method ke lie aap internet banking ka istemaal karke Rtgs kar sakate hain. Iske antargat yadi aapko jis vyakti ko fund transfer karna hai use payee athava benificiary customer ke roop mein apane account mein add karna hota hai jahaan aapko us customer ke vishay mein saree jankari pradaan karanee hotee hai aur uske baad bank, us beneficiary kee details ko check karta hai. Is kaam ke lie bank ko beneficiary kee detail check karne mein lagabhag 12-24 ghanten ka samay lagata hai.

Bank ke dwara jab checking process puri tarah se complete ho jatee hai tab bank ke dwara beneficiary customer ko activate kar diya jata hai jiske baad aap us beneficiary customer ko fund transfer kar sakte hain.

Kisee bhi byakti ko apane bank account mein beneficiary athava payee ke roop mein add karne ke lie aapke paas beneficiary customer se related nimnailikhit information ka hona jaroori hota hai anyatha aap apane internet banking a/c k dwara use beneficiary ke roop mein add nahin kar sakate hain.

  • Bank aur bank branch ka Naam.
  • Name aur account number.
  • Unke bank ka IFSC code (Indian Financial System Code).

Offline Method Se RTGS Kaise  Karein ?

Rtgs in Hindi agar apko online mein apply karna nahin aata hai tab aap ise offlline mein bhi apply kar sakte hain par iske lie aapako physically bank branch mein jaakar theek usee tarah se ek slip bharnee hotee hai, jis tarah se aap cheque deposit ya NEFT karate samay normally form bharte hain.

Jaise hi aap instruction slip fill karke deposit karte hain, to sending bank us instruction slip mein bhari gaee information ko apane central processing system mein feed kar deta hai.

Information central processing system par feeds Karte hi use RBI ko send kar di jati hai.

Iske baad RBI saree transaction ko process karake chomplete karata hai aur sending bank ke account se amount (paison) ko debit karake jis bank ko Rtgs kiya gaya hai usake account mein us amount ko credit kar deta hai.

Is puri process ke baad ek unique transaction number (UTN) generate hota hai, jise RBI, amount send karne vaale bank ko bhej kar deta hai. Sender bank ko ye UTN prapt hone ka ye matlab hota hai ki aapaka fund abhee transfer ho gaya hai.

Jaise hi amount send karane vaale bank ko utn receive hota hai, vaise hee wo bank iske jankari amount receive karane wale bank ko deta hai aur uske baad receive bank wo amount us account holder ke account mein credit kar deta hai jise amount send kiya gaya hai.

Is prakriya jo pura hone ke lie lagabhag 30 minutes ki avadhi lag jatee hai eyar isake dauraan hee aapaka rtgs transachtion chomplaitai ho jaata hai aur fund beneficiary ke account mein credit kar diya jaata hai.

Rtgs Transaction Ke  Main Features:

Yahaan par mein aap logon ko rtgs transaction se sambandhit kuch features ke vishay mein batane ja raha hoon jinke vishay mein aapko jaanna bahut hi jaruri hai :

1.  Ismein realtime online fund transfer kiya jaata hai.

2.  Ise mukhyatah high value transactions ke lie istemaal kiya jaata hai.

3.  Ye bahut hi safe aur secure hota hai.

4.  Ye bahut jyaada reiliable hai kyun ki iske peechhe RBI ka haath hota hai.

5.  Ismein immediate clearing ho jata hai.

6.  Iske saath ismein funds ko one-on-one basis mein credit kiya jata hai.

7.  Isamien transactions ko individual aur gross basis mein execute kiya jaata hai.

Rtgs Transactions Ke Charges Aur Fees

Is prakriya mein receipient bank <jis bank ko paise bheje jaate hain> ko koi bhi charges nahin padta hai rtgs transaction ke lie. lekin sender (jo paise bhejata hai), inhein bank kuchh charges lagata hai paison ke transfer ke lie jo kee kuchh is prakaar hai :

TRANSACTION AMOUNT FEE
Above 2 lakh Rs.25
1 Lakh to 2 Lakh Rs.15
10000 to 1 Lakh Rs.5
Upto 10000 Rs 2.5

RTGS Ki Timings

WEEKDAYS 8 A.M SE 7 P.M
SATURDAYS 8 A.M TO 1 P.M

RTGS Kiske liye Adhik Jaruri Hai ?

Apko Rtgs in Hindi article ki madhyam se aaj iske bare me adhik se adhik jankari denge. Agar koi person dainik bade transactions kar raha hai tab usse mukhyatah rtgs ki jarurat hota hai. Dekha jaye to karobariyon ke dwara ye jyada istemaal mein laaye jate hain kyon ki unhe apne business se sambandhit din bhar mein kaee baar jyada bade value ki transaction karne hote hain, aur aise high valuai wale transaction rtgs ke madhyam hi kia ja sakte hain. Lekin ye sirf unke lie hi simit nahin hai balki rtgs ka istemaal aam investors ya person bhi kar sakte hain.

Agar Kabhi Kisi person ko apne kisi ek account se dusre account mein ya phir kisi dusre log ke account mein Rs. 2,00,000 ya usse jyaada ka fund transfer karna hai to use rtgs ka istemaal karna hi hoga fund transfer ke lyie. Aap mutual fund mein investment karne ke lyie bhi rtgs ka istemaal  kar sakte hain.

RTGS IN HINDI (Real Time Gross Settlement) Se Sambandhit Faqs

1. RTGS aur NEFT mein kya antar hai?

NEFT ya National Electronic fund transer mein transactions ko batches mein settle kiya jaata hai, lekin wahi rtgs transactions ko individually settle kiya jaata hai.

2. Rtgs transactions kI minimum aur maximum limit kya hai ?

Ye baat hamesha yaad rakhen ki sare rtgs transactions ko mukhyatah bade value vaale transactions ke lie istemaal kiya jaata hai. Wahi inka rtgs transactions ka minimum amount hai rs.2 lakh. aur iska koi maximum limit nahin hai.

3. Rtgs mein fund transfer aur credit hone ke lie kitna Time lagta hai ?

Akasar funds instantly credit ho jate hain. wahi bank paison ko credit karane ke lie 30 minute time  lagata hai.

4. Kya ismein paise paane vaale ko koi chonfirmation message ya acknowledgement miltee hai ek baar unhen paise bhej dene par ?

Haan ek confirmation sms Milta hai transaction hojane ke baad .

5. Kya India mein sabhi banks mein rtgs ki facility milta hai?

Nahin,India mein rtgs kee subhidha keval kuchh hi rtgs-enabled banks mein upalabdh hain.

Mujhe poorn aasha hai kee mainne aap logon ko rtgs kya hota hai (rtgs in hindi)? ke baare mein puri jankaari di aur mein aasha karata hoon aap logon ko rtgs ke baare mein samajh aa gaya hoga. Mera aap sabhi paathakon se gujaaris hai kee aap log bhi is jaankari ko apne aas-pados, rishtedaaron, apne mitron mein sharai karen Dhanyabad.

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