RTGS KYA HAI | RTGS KAISE WORK KARTA HAI [FULL INFORMATION]


RTGS in Hindi – RTGS ke baare men jaanne se pahle ham thodaa Cheque System ke baaren men jaan lete hain, tabhi hamen pataa chalegaa ki aakhir Cheque System men kis prkaar ki Problems Customer Face karte the jinke kaaran RBI (Reserve Bank of India) ko Electronic Money Transfer ke baare men sochnaa pada.
Manlijiye ki aapko kisi ne Cheque se Payment kiya. ab aap sam‍bandhit Bank Branch men jayenge aur Slip bharakar Cheque Deposit karenge. phir do yaa tin din ke baad vah Cheque Clear hogaa aur aapke Bank Account men Amount Credit kiya jayega.
Is puri Process ko Complete hone men kaphi samay lagta hai aur yadi aapko Immediate hi Fund ki aavash‍yakta ho, to aapka kam nishchit rup se atak jayega.
Cheque System men aur bhi kayi prkaar ki Problems hain. jaise-
  • Cheque System men aapko Banking Hours aur Bank Holidays ki Calculation karni padti hai, aur ab to Extra Saturday ki bhi chhutti hone lagi hai. en sabkaa pataa lagaane ke baad aapko ye bhi dh‍yaan rakhnaa hotaa hai ki Cheque Deposit karne ke baad aapke Bank Account men paise kab tak aaainge.
  • Cheque System men aapko baar-baar Balance Check karnaa hotaa hai taaki ye pataa chal sake Cheque Clear huaa yaa nahin.
  •  Cheque System men Cheque Bounce hone ki samas‍yaa bhi hoti hai aur yadi Cheque Bounce ho jaaa to Amount praap‍t hone men kitnaa Delay hogaa,  es baat kaa an‍daajaa lagaanaa bhi mushkil hai k‍yonki phir hamen Cheque Issue karne vaale v‍yakti ke khilaaph kaanuni kaaryvaahi karni pad sakti hai jo ki ek bahut hi lam‍baa, kharchilaa, Time Consuming aur maanasik pareshaani bharaa kaam hotaa hai.
  •  Cheque System men Cheque likhne kaa, kho jaane kaa, Handwriting kaa, Cheque phat jaane kaa, Signature Mismatch hone aadi kaa bhi dar rahtaa hai.
RBI ne en sab Problems ko dh‍yaan men rakhte hua Fund Transfer karne ke do naye tarike NEFT va RTGS pesh kia hain, jinke jaria aap bahut hi aasaani se kisi ko bhi Fund Transfer kar sakte hain. ye tarike Customers ko bahut hi sahuliyat dete hain. enke jaria aap Online va Offline donon tarah se Fund Transfer kar sakte hain. enkaa Use karke aap bahut hi aasaani se kisiko bhi Electronic Manner men Fund Transfer kar sakte hain.
Is Article men ham keval RTGS ke baare men jaanenge aur NEFT ke baare men hamne What is Meant by NEFT Fund Transfer – k‍ya hota hai NEFT? Article men Discuss kiya hai.
What is RTGS
RTGS ka matalab Real Time Gross Settlement hotaa hai. RTGS ek s‍thaan se dusre s‍thaan par Fund Transfer karne kaa ek Electronic maadh‍yam hai, jismen Fund kaa Transfer Real Time Basis par hota hai.
RTGS ka Simple Meaning dekhe to esmen koi bhi Transaction Immediate ho jaataa hai, jise Real Time kaha jata hai. esmen aap jaise hi Beneficiary Customer ki Information Correctly Fill karke Fund Transfer karte hain to Immediate hi vah Fund Transfer hokar Beneficiary Customer ke Account men Credit kar diyaa jaataa hai. esmen lagabhag 30 Minutes ke andar Transaction Complete ho jata hai.RTGS ke Through aap kam se kam 2,00,000 rupaaye tak Transfer kar sakte hain aur adhikatam ki koi Limit nahin hai, aap jitnaa chaahe utnaa Fund Transfer kar sakte hain, jab tak ki aapkaa Bank Branch aapke lia Limit n tay kar de.
Steps to follow on the selection of Online Method for RTGS
Online Method men aap Internet Banking kaa Use karke RTGS kar sakte hain. esmen bhi aapko jis Person ko Fund Transfer karnaa hai use Payee athva Beneficiary Customer ke rup men apne Account men Add karnaa hotaa hai aur uske baad Bank, Beneficiary ki Detail Check kartaa hai. Bank ko Beneficiary ki Detail Check karne men lagabhag 12-24 ghanten kaa samay lagta hai.
Bank ke dvaaraa jab Checking Process Complete ho jaati hai to Bank ke dvaaraa Beneficiary Customer ko Activate kar diyaa jaataa hai jiske baad aap us Beneficiary Customer ko Fund Transfer kar sakte hai.
Kisi bhi Person ko apne Bank Account men Beneficiary athvaa Payee ke rup men Add karne ke lia aapke paas Beneficiary Customer se Related nim‍nalikhit Information kaa honaa jaruri hotaa hai an‍ythaa aap apne Internet Banking A/c dvaaraa use Beneficiary ke rup men Add nahin kar sakte-
  • Beneficiary Customer ke Bank va Bank Branch ka Name honaa chaahia.
  • Beneficiary Customer kaa Name va Account Number hona chaahia.
  • Beneficiary Customer ke Bank kaa Indian Financial System Code (jise IFSC ke naam se jana jata hai) hona chahia. IFSC Code, Cheque Book par likha hota hai.
Steps to follow on the selection of Offline Method for RTGS
  • Yadi aap Offline Method kaa Use karte hain to aapko Physically Bank Branch men jaakar thik usi tarah se ek Slip bharni hoti hai, jis tarah se aap Cheque Deposit karte samay Normally Fill karte hain.
  • jaise hi aap Instruction Slip Fill karke Deposit karte hain, to Sending Bank us Instruction Slip men bhari gayi Information ko apne Central Processing System men Feed kar detaa hai.
  • Information Central Processing System par Feed karte hi RBI ko Send kar di jaati hai.
  • RBI sambandhit Transaction ko Process karke Complete kartaa hai aur Sending Bank ke Account se Amount Debit karke jis Bank ko RTGS kiyaa gayaa hai uske Account men Amount Credit kar detaa hai.
  • Is puri Process ke baad ek Unique Transaction Number (UTN) Generate hotaa hai, jise RBI, Amount Send karne vaale Bank ko bhej kar detaa hai. Sender Bank ko ye UTN praap‍t hone kaa yahi matalab hotaa hai ki Fund Transfer ho gayaa hai,
  • jaise hi Amount Send karne vaale Bank ko UTN Receive hotaa hai, vaise hi vah Bank eski jaankaari Amount Receive karne vaale Bank ko detaa hai aur uske baad Receiver Bank vah Amount us Account Holder ke Account men Credit kar detaa hai jise Amount Send kiyaa gayaa hai.Is prkaar se lagabhag 30 Minutes ki avadhi ke dauraan hi aapkaa RTGS Transaction Complete ho jaataa hai aur Fund Beneficiary ke Account men Credit kar diyaa jata hai.
RTGS kinke liye jaruri hai?.Vaise to j‍yadatar RTGS ke Transaction karobariyon ke dvara kiye jate hain k‍yonki un‍he apne Business se Related din bhar men kayi baar High Value ke Transaction karne hote hain, aur High Value ke Transaction RTGS ke Through hi kia jaa sakte hain. lekin RTGS kaa Use aam Investors ya Person bhi kar sakte hain.
Jaise kisi Investor yaa Person ko apne kisi ek Account se dusre Account men yaa kisi dusre Person ke Account men INR 2,00,000 yaa usse j‍yaadaa kaa Fund Transfer karnaa hai to RTGS kaa Use karte hua Fund Transfer kiyaa jaa saktaa hai. aap Mutual Fund men Investment karnaa chaahte hain to bhi RTGS kaa Use kar sakte hain.
Benefit of RTGS
  • High Value Transaction ke lia Useful hai।lagabhag 30 Minutes ke andar Transaction Complete ho jaataa hai.
  • samay ki bachat hoti hai.
  • Business Requirement ke lia Useful hai.
  • j‍yaadaa rakam Transfer karne par Fees kam lagti hai.
  • Bank ke paas Transfer Fees ghataane kaa adhikaar hotaa hai. esalia yadi Bank chaahe to Transfer Fees kam kar saktaa hai.
  • Cheque System men jise paisaa Receive karnaa hai use Bank Branch jaanaa hotaa hai jabaki Online/Offline RTGS men Fund Receive karne vaale ko Bank Branch men jaane ki jarurat nahin hoti hai.
RTGS se Related kuchh aham points.Kayi saare Bank aapke dvaaraa kia jaane vaale RTGS ke Amount aur Transaction ki Limit tay kar dete hain aur aap ek din men tay Limit se j‍yaadaa Transaction nahin kar sakte hain, to eskaa aap pataa lagaa le ki aapkaa Bank Branch aapko Per Day kitnaa Transaction karne ke lia Allow kartaa hai.
Aapko Per Transaction Cost ke baare men bhi Bank Branch se puchh lenaa chaahia, k‍yonki har Bank apne hisaab se Transaction Cost Charge karta hai.
Ek bat ka vishesh rup se dh‍yan rakhe ki Electronic Fund Transfer Facility aane se Cheque System band nahin ho gayaa hai, balki aaj bhi Cheque System Facility Available hai aur puraane log jo ki Tech Savvy nahin hain, ve aaj bhi Cheque System ko Online System ki tulnaa men adhik mahat‍v dete hain. lekin phir bhi jaise-jaise nayi Generation ke log Tack Savvy hote jaa rahe hain, Cheque kaa chalan kam hone lagaa hai.

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