Wat est le moyen le moins cher ou le plus gratuit pour transférer de l’argent de la banque 1 vers une autre banque par voie électronique en Inde?

Ajay Saxena

Ajay Saxena, Founder: Eco-Purse®, Aviation park of India Apoi® eDronePad®

Répondu il y a 160w · L'auteur dispose de réponses 723 et de vues de réponses 1.4m

One way is NEFT

Q.1. What is NEFT?
Ans: National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer. Under this Scheme, individuals, firms and corporates can electronically transfer funds from any bank branch to any individual, firm or corporate having an account with any other bank branch in the country participating in the Scheme.
Q.2. Are all bank branches in the country part of the NEFT funds transfer network?
Ans: For being part of the NEFT funds transfer network, a bank branch has to be NEFT- enabled. The list of bank-wise branches which are participating in NEFT is provided in the website of Reserve Bank of India athttp://www.rbi.org.in/scripts/neft.aspx
Q.3. Who can transfer funds using NEFT?
Ans: Individuals, firms or corporates maintaining accounts with a bank branch can transfer funds using NEFT. Even such individuals who do not have a bank account (walk-in customers) can also deposit cash at the NEFT-enabled branches with instructions to transfer funds using NEFT. However, such cash remittances will be restricted to a maximum of Rs.50,000/- per transaction. Such customers have to furnish full details including complete address, telephone number, etc. NEFT, thus, facilitates originators or remitters to initiate funds transfer transactions even without having a bank account.
Q.4. Who can receive funds through the NEFT system?
Ans: Individuals, firms or corporates maintaining accounts with a bank branch can receive funds through the NEFT system. It is, therefore, necessary for the beneficiary to have an account with the NEFT enabled destination bank branch in the country.
The NEFT system also facilitates one-way cross-border transfer of funds from India to Nepal. This is known as the Indo-Nepal Remittance Facility Scheme. A remitter can transfer funds from any of the NEFT-enabled branches in to Nepal, irrespective of whether the beneficiary in Nepal maintains an account with a bank branch in Nepal or not. The beneficiary would receive funds in Nepalese Rupees.
Q.5. Is there any limit on the amount that could be transferred using NEFT?
Ans: No. There is no limit – either minimum or maximum – on the amount of funds that could be transferred using NEFT. However, maximum amount per transaction is limited to Rs.50,000/- for cash-based remittances within India and also for remittances to Nepal under the Indo-Nepal Remittance Facility Scheme.
Q.6. Whether the system is centre-specific or has any geographical restriction?
Ans: No. There is no restriction of centres or of any geographical area within the country. The NEFT system takes advantage of the core banking system in banks. Accordingly, the settlement of funds between originating and receiving banks takes places centrally at Mumbai, whereas the branches participating in NEFT can be located anywhere across the length and breadth of the country.
Q.7. What are the operating hours of NEFT?
Ans: Presently, NEFT operates in hourly batches - there are twelve settlements from 8 am to 7 pm on week days (Monday through Friday) and six settlements from 8 am to 1 pm on Saturdays.
Q.8. Comment fonctionne le système NEFT?
Step-1 : An individual / firm / corporate intending to originate transfer of funds through NEFT has to fill an application form providing details of the beneficiary (like name of the beneficiary, name of the bank branch where the beneficiary has an account, IFSC of the beneficiary bank branch, account type and account number) and the amount to be remitted. The application form will be available at the originating bank branch. The remitter authorizes his/her bank branch to debit his account and remit the specified amount to the beneficiary. Customers enjoying net banking facility offered by their bankers can also initiate the funds transfer request online. Some banks offer the NEFT facility even through the ATMs. Walk-in customers will, however, have to give their contact details (complete address and telephone number, etc.) to the branch. This will help the branch to refund the money to the customer in case credit could not be afforded to the beneficiary’s bank account or the transaction is rejected / returned for any reason.
Step-2: la succursale de la banque émettrice prépare un message et l'envoie à son centre de mise en commun (également appelé NEFT Service Center).
Step-3: le centre de mise en commun transmet le message au centre de compensation NEFT (géré par la cellule de compensation nationale, la banque de réserve de l'Inde, Mumbai) à inclure pour le prochain lot disponible.
Step-4: Le Centre de Clearing trie les transactions de virement de fonds par destination et prépare les écritures comptables pour recevoir les fonds des banques émettrices (débit) et les remettre aux banques de destination (crédit). Ensuite, les messages de remise bancaire sont transmis aux banques de destination par l'intermédiaire de leur centre de mise en commun (NEFT Service Center).
Step-5 : The destination banks receive the inward remittance messages from the Clearing Centre and pass on the credit to the beneficiary customers’ accounts.
Q.9. What is IFSC?
Ans : IFSC or Indian Financial System Code is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. This is an 11 digit code with the first 4 alpha characters representing the bank, and the last 6 characters representing the branch. The 5th character is 0 (zero). IFSC is used by the NEFT system to identify the originating / destination banks / branches and also to route the messages appropriately to the concerned banks / branches.
Q.10. How can the IFSC of a bank-branch be found?
Ans: Bank-wise list of IFSCs is available with all the bank-branches participating in NEFT. List of bank-wise branches participating in NEFT and their IFSCs is available on the website of Reserve Bank of India athttp://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=2009 . All the banks have also been advised to print the IFSC of the branch on cheques issued to their customers.
Further, banks have also been advised to ensure that their branch staff provide necessary assistance to customers in filling out the required details, including IFSC details, in the NEFT application form, and also help in ensuring that there is no mismatch between the IFSC code and branch details of beneficiary branch as provided by the customer.
Q.11. What are the processing or service charges for NEFT transactions?
Ans: The structure of charges that can be levied on the customer for NEFT is given below:
a) Inward transactions at destination bank branches (for credit to beneficiary accounts)
– Free, no charges to be levied on beneficiaries
b) Outward transactions at originating bank branches – charges applicable for the remitter
- For transactions up to Rs 10,000 : not exceeding Rs 2.50 (+ Service Tax)
- For transactions above Rs 10,000 up to Rs 1 lakh: not exceeding Rs 5 (+ Service Tax)
- For transactions above Rs 1 lakh and up to Rs 2 lakhs: not exceeding Rs 15 (+ Service Tax)
- For transactions above Rs 2 lakhs: not exceeding Rs 25 (+ Service Tax)
c) Charges applicable for transferring funds from India to Nepal using the NEFT system (under the Indo-Nepal Remittance Facility Scheme) is available on the website of RBI athttp://rbi.org.in/scripts/FAQView.aspx?Id=67
With effect from 1st July 2011, originating banks are required to pay a nominal charge of 25 paise each per transaction to the clearing house as well as destination bank as service charge. However, these charges cannot be passed on to the customers by the banks.
Q.12. When can the beneficiary expect to get the credit to his bank account?
Ans: The beneficiary can expect to get credit for the NEFT transactions within two business hours (currently NEFT business hours is from morning 8 AM to evening 7 PM on all week days and from morning 8 AM to afternoon 1 PM on Saturdays) from the batch in which the transaction was settled.
Q.13. Who should be contacted in case of non-credit or delay in credit to the beneficiary account?
Ans: In case of non-credit or delay in credit to the beneficiary account, the NEFT Customer Facilitation Centre (CFC) of the respective bank can be contacted (the remitter can contact his bank’s CFC; the beneficiary may contact the CFC of his bank). Details of NEFT Customer Facilitation Centres of banks are available on the websites of the respective banks. The details are also available on the website of Reserve Bank of India at http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=2070https://rbi.org.in/Scripts/bs_vi....
If the issue is not resolved satisfactorily, the NEFT Help Desk (or Customer Facilitation Centre of Reserve Bank of India) at National Clearing Cell, Reserve Bank of India, Mumbai may be contacted through email or by addressing correspondence to the General Manager, Reserve Bank of India, National Clearing Centre, First Floor, Mumbai Regional Office, Fort Mumbai 400001
Q.14. What will happen if credit is not afforded to the account of the beneficiary?
Ans: If it is not possible to afford credit to the account of the beneficiary for whatever reason, destination banks are required to return the transaction (to the originating branch) within two hours of completion of the batch in which the transaction was processed.
For example, if a customer submits a fund transfer request at 12.05 p.m. to a NEFT-enabled branch, the branch in turn forwards the message through its pooling centre to the NEFT Clearing Centre for processing in the immediately available batch which (say) is the 1.00 pm batch. If the destination bank is unable to afford the credit to the beneficiary for any reason, it has to return the transaction to the originating bank, not later than in the 3.00 pm batch. On receiving such a returned transaction, the originating bank has to credit the amount back to account of the originating customer.
Q.15. Can NEFT be used to transfer funds from / to NRE and NRO accounts?
Ans: Yes. NEFT can be used to transfer funds from or to NRE and NRO accounts in the country. This, however, is subject to the adherence of the provisions of the Foreign Exchange Management Act, 2000 (FEMA) and Wire Transfer Guidelines.
Q.16. Can remittances be sent abroad using NEFT?
Ans: No. However, a facility is available to send outward remittances to Nepal under the Indo-Nepal Remittance Facility Scheme.
Q.17. What are the other transactions that could be initiated using NEFT?
Ans: Besides personal funds transfer, the NEFT system can also be used for a variety of transaction including payment of credit card dues to the card issuing banks, payment of loan EMI etc. It is necessary to quote the IFSC of the beneficiary card issuing bank to initiate the bill payment transactions using NEFT.
Q.18. Can a transaction be originated to draw (receive) funds from another account?
Ans: No. NEFT is a credit-push system i.e., transactions can be originated by the payer / remitter/send only to pay/ transfer / remit funds to a beneficiary.
Q.19. Would the remitter receive an acknowledgement once the funds are transferred to the account of the beneficiary?
Ans: Yes. In case of successful credit to the beneficiary's account, the bank which had originated the transaction is expected to send a confirmation to the originating customer (through SMS or e-mail) advising of the credit as also mentioning the date and time of credit. For the purpose, remitters need to provide their mobile number / e-mail-id to the branch at the time of originating the transaction.
Q.20. Is there a way for the remitter to track a transaction in NEFT?
Ans: Yes, the remitter can track the NEFT transaction through the originating bank branch or its CFC using the unique transaction reference number provided at the time of initiating the funds transfer. It is possible for the originating bank branch to keep track and be aware of the status of the NEFT transaction at all times.
Q.21. What are the pre-requisites for originating a NEFT transaction?
Ans: Following are the pre-requisites for putting through a funds transfer transaction using NEFT–

  • Originating and destination bank branches should be part of the NEFT network
  • Beneficiary details such as beneficiary name, account number and account type, name and IFSC of the beneficiary bank branch should be available with the remitter
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Customers should exercise due care in providing the account number of the beneficiary, as, in the course of processing NEFT transactions, the credit will be given to the customer’s account solely based on account number provided in the NEFT remittance instruction / message.
Q.22. What are the benefits of using NEFT?
Ans: NEFT offers many advantages over the other modes of funds transfer:

  • The remitter need not send the physical cheque or Demand Draft to the beneficiary.
  • The beneficiary need not visit his / her bank for depositing the paper instruments.
  • The beneficiary need not be apprehensive of loss / theft of physical instruments or the likelihood of fraudulent encashment thereof.
  • Cost effective.
  • Credit confirmation of the remittances sent by SMS or email.
  • Remitter can initiate the remittances from his home / place of work using the internet banking also.
  • Near real time transfer of the funds to the beneficiary account in a secure manner.

Q.23. Is there any compensation for the customers, if the credit is delayed to beneficiary account or if there is any delay is returning the transaction to the originator / sender / remitter?
Ans: Yes. If the NEFT transaction is not credited or returned within the stipulated time then the banks are liable to pay penal interest to the affected customers. Banks are required to pay penal interest at the current RBI LAF Repo Rate plus two percent for the period of delay / till the date of refund as the case may be to the affected customers’ account without waiting for a specific claim to be lodged by the customer in this regard.
Source: https://rbi.org.in/scripts/FAQVi...

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Cherry Mathew Philipose

Cherry Mathew Philipose

Répondu il y a 78w

There are many ways to transfer money electronically available in India; but, most of these methods (NEFT, RTGS) charge a nominal sum for the transfer service they offer. Right now UPI apps allow one to transfer money for FREE. Many banks are part of UPI and have their own UPI apps to facilitate money transfers. On the flip side, one cannot transfer huge amounts through UPI. Depending on the bank the daily limit could be Rs. 10,000 or Rs. 20,000.

State Banks used to offer card to card transfer via their ATMs for free. Not sure whether they still offer it or not.

,Anonymous

Anonymous

Répondu il y a 129w

Apart from what was mentioned earlier, IMPS is the fastest way to send money to anyone, it is available 24/7 and transfers happen instantly.

Chillr (Instant Transfer Money, Recharge, Utility Bill Payments) is an app that helps sending money instantly to anyone in your contacts, Chillr links directly to your bank account to facilitate easy money transfers. Apart from this you can also pay your utility bills and also pay merchants. It uses the IMPS platform.

Get Chillr

Damodarn Krishnaraj

Damodarn Krishnaraj, Banquier réticent

Répondu il y a 160w · L'auteur dispose de réponses 1.1k et de vues de réponses 2.7m

IMPS (Immedeate payment system) is the best. The transfer could be through IFSC code and account number or mobile number.

Pooja Desai

Pooja Desai

Répondu il y a 72w · L'auteur dispose de réponses 479 et de vues de réponses 307.8k

Nowadays there are many options for electronic fund transfer, but I think the cheapest is via UPI. Try Vijaya UPI, it's great for all fund transfers. I use it for all my daily transactions like paying rent, buying groceries, booking travel tickets and movie tickets and even fund transfer from one account to other. The app performs just perfect for all my daily needs and never had any issues. And Vijaya UPI is rolled out by Vijaya Bank which makes the app secure and reliable like the bank.

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Tanya Gupta

Tanya Gupta

Répondu il y a 92w · L'auteur dispose de réponses 707 et de vues de réponses 287.4k

NEFT and IMPS is the way through which one can easily transfer money from one bank to other bank.

Banque Vijaya offers ‘’mPay’’ solution the next generation mobile banking service. They aim to be the Bank in the customers pocket with a whole new and exciting range of services and features with the availability of SMS banking.

Caractéristiques :

  1. User friendly interface with touch screen UI support
  2. Balance Inquiry
  3. Mini Statement
  4. NEFT
  5. Interbank Mobile Payment Service (IMPS)
  6. Airline and Movie Ticketing
  7. Bill Payment and Donations
  8. Et beaucoup plus…

Download the app from Play store.

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