মালদা জেলা কেন্দ্রীয় সমবায় ব্যাঙ্ক লিঃ
Inter Bank Fund Transfer enables electronic transfer of funds from the account of the remitter in one Bank to the account of the beneficiary maintained with any other Bank branch. There are two systems of Inter Bank Transfer - RTGS and NEFT presently.RTGS /NEFT systems are maintained by respective departments of Reserve Bank of India.
Individuals, firms or corporate maintaining accounts with our bank branch can receive funds through the RTGS / NEFT system. It is, therefore, necessary for the beneficiary to have an account with the RTGS / NEFT enabled destination bank branch in the country.
Individuals, firms or corporate maintaining accounts with our bank branch can transfer funds using NEFT/RTGS. Even such individuals who do not have a bank account (walk-in customers) can also deposit cash at our NEFT-enabled branches with instructions to transfer funds using NEFT/RTGS. Such customers have to furnish full details including complete address, telephone number, etc. NEFT/RTGS, thus, facilitates originators or remitters to initiate funds transfer transactions even without having a bank account.
For affecting an RTGS/NEFT remittance the remitter has to furnish the following information:
What is the minimum/maximum amount for RTGS / NEFT transactions under Retail Banking?
NEFT/RTGS Transaction Timings
When does the beneficiary get the credit for a RTGS payment?
Under normal circumstances the beneficiary Bank branch receives the funds in real time as soon as funds are transferred by the remitting Bank. The beneficiary Bank has to credit the beneficiary's account within two hours of receiving the funds transfer message.
When does the beneficiary get the credit for a NEFT payment?
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