NEFT और RTGS दोनों digital banking payment systems हैं, लेकिन इनके काम करने के तरीके अलग होते हैं। NEFT में transactions batches में process होते हैं, इसलिए transfer में कुछ समय लग सकता है। वहीं RTGS में payment real-time basis पर तुरंत settle होता है। RTGS आमतौर पर बड़े amount transfers के लिए इस्तेमाल किया जाता है, जबकि NEFT छोटे और सामान्य transfers के लिए काफी popular है। दोनों systems online banking को आसान और सुरक्षित बनाते हैं। आजकल banking apps और internet banking के कारण ये services काफी convenient हो गई हैं। सही option चुनना transaction amount, urgency और banking needs पर depend करता है।
Must Read: IMPS और NEFT ट्रांसफर में क्या अंतर है?
Answered By Ved Tiwari
Two decades of chartered accountancy — turning complex financial and business realities into writing that professionals and decision-makers can actually use.Ved Tiwari is a Chartered Accountant (CA) and finance writer with over 20 years of professional experience in taxation, auditing, financial planning, and business advisory. He is a Fellow Member of the Institute of Chartered Accountants of India (ICAI) — one of the most rigorous professional qualifications in Indian finance — and holds a Bachelor of Commerce (B.Com Honours) from Shri Ram College of Commerce (SRCC), Delhi University. His content covers personal finance, corporate taxation, GST, investment strategy, business compliance, financial planning, and India's evolving regulatory and economic landscape. His work has appeared on platforms including Moneycontrol, The Economic Times Wealth, and CA Club India, where he writes for finance professionals, business owners, and informed readers who need content built on two decades of real-world financial practice — not surface-level commentary. Over 20 years, Ved has advised hundreds of businesses and individual clients on taxation, audit compliance, and financial restructuring. He has handled complex multi-crore audits, represented clients before tax authorities, and guided startups and established firms through India's regulatory environment. He has published 400+ articles on finance and business, spoken at ICAI seminars and industry finance conferences, and is a practising member of the ICAI Western Region chapter. Across all his writing, every figure is verified, every regulatory reference is current, and every recommendation reflects the same professional standard he applies to his clients — because in finance, accuracy is not optional.
