What is correct about RTGS and NEFT:
i) RTGS is intended for big amount and NEFT is for smaller amount. RTGS can be done for amounts of minimum Rs.2 lakh
ii) RTGS funds are settled on continuous basis while NEFT has settlement slots
iii) NEFT can be used through mobile banking but not RTGS
iv) Transaction charge are same for both NEFT and RTGS
NEFT (National Electronic Funds Transfer) transactions are settled in batches which run at an interval of 30 minutes, 23 settlements occurring between 8:00 AM and 7:00 PM. RTGS (Real Time Gross Settlement), as the name suggests is based on ‘real’ time settlement.
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