तकनीक

NEFT Kya Hai Aur Kaise Paise bheje?

03/10/2019

498

Hello Dosto ,

Aap mein se bahut se logon ne NEFT ka istemal paise bhejne ke liye pahle Kiya Hoga lekin kya aapko pata hai NEFT kya hai ? NEFT Kya hota hai ? NEFT ka istemal kahan hota hai ? kyunki Bank ke niyam Aaye din badalte rahte hain isliye in sabhiee vishayo mein jankari rakhna bahut hi jaruri hai. Jab se online banking yah internet banking Aaya hai Tab se logon Ka bankon mein Jana ek Tarah se bilkul khatm ho gaya hai vah ab Ghar baithe hi Apne Sare kam kar lete hain isase unke samay ka jyada nuksan Nahin hota hai aur wo asani se apna kam kar lete hain.

Online fund transfer karne a ke mukhya teen upay Hain Jaise NEFT, RTGS,or IMPS inmein se aaj ham NEFT ke vishay mein vistrit jankari prapt karenge. Tu agar ham NEFT ki baat Karen to yah ek aisa madhyam hai online paise bhejne ka jiske dwara ham aasani se ek account se dusre account mein online paise bhej ja pa sakte hain. To isliye aaj Maine socha ki kyon Na aap logon ko bhi NEFT kya hai, yah kaise kam karta hai, aur isase hamen kya fayde Hain, ke bare mein Puri jankari ham aapko yahan batane Wale Hain. To fir Bina deri kiye chaliye shuru karte hain aur NEFT kya hai ke bare mein jante Hain.

NEFT kya hai ( NEFT in Hindi ) :

NEFT ka ful form hota hai national electronics fund transfer Hindi mein ise rashtriya electronic Nidhi antaran bhi Kaha jata hai. Yah ek desh vyapi electronic fund transfer system hai jisse paise ko ek bank account se dusre bank account mein aasani se aur surakshit roop se bheja yah prapt Kiya jata hai. Sabhi NEFT settlement score batch wise format mein sanchalit kiya jata hai.ismein paison ko is system ke madhyam se pure bharatvarsh mein sabhi NEFT enabled banks mein individual basis mein bheja jata hai.koi bhi NEFT transfer ko prarambh karne se pahle Bank ka IFSC code Janna bahut jaruri hai, iske sath dusre details Jaise bank account number, Bank branch, account holder ka naam Hona bhi bahut jaruri hai.

Is fund transfer ki pranali ko RBI ke dwara sanchalit Kiya jata hai. Jiski shuruaat San 2005 se hui thi. NEFT Bharat mein Bank ke grahak ko yah suvidha pradan karta hai jisse ki Bank ka grahak bahut hi sajda se Kisi dusre NEFT enabled Bank khate ko apni punji hastantaran kar sakta hai. Yah bahut surakshit bhi hota hai.

Ham aapko yah bhi bata de ki NEFT pranali ke jarie fund transfer vastvik samay ke Aadhar per Nahin hota hai balki NEFT saptah ke pahle, teesre aur paanchwe shaniwar ko subah 8:00 baje se lekar Shyam 7:30 baje ke dauran hone wale 23 settlement ke sath aadhe ghante ki bache mein paison ka hastantaran Tay Kiya jata hai. Iske alava aapko yah bhi pata Hona chahie ki mahine ke dusre aur chauthe shaniwar ko yah ravivar ko yah sarvjanik chhutiyon ke dauran bhi koi settlement NEFT ka Nahin hota hai.

NEFT suvidha mukhya roop se do prakar ki hoti hai ek hi offline mode jo ki Bank ki shakha mein kiya jata hai aur dusra hai online mode jisse online banking dwara grahak ko uplabdh hai aur ise ek nirdharit bache mein sunishchit Kiya jata hai. NEFT ke dwara hone wale samay ki bachat aur aasan prakriya ke Karan se yah bahut lokpriya hai kyunki ismein lenden ko online banking dwara bahut aasani se Kiya ja sakta hai. Dekha jaaye to NEFT dusre upayon Jaise RTGS or IMPS thoda alag hai. Jahan RTGS aur IMPS main aapka bheja Gaya paisa turant samne wale ke bank khate mein credit ho jata wahi NEFT mein Bank dwara nirdharit timetable mein hi Aapka paisa samne Wale ko milta hai.

NEFT transfer procedure:

yahan par main aap logon ko NEFT ke do alag alag procedure ke bare mein jankari pradan karunga.

NEFT ke liye online procedure:

Online ke madhyam se funds transfer karne ke liye niche diye Gaye steps ka palan Karen.
1. Sabse pahle Apne net banking account per login Karen. Agar aapke pass net banking account Na ho tab aap use Apne Bank ke website ke madhyam se register bhi kar sakte hain.
2. Uske bad aapko beneficiary ko ho payee ke hisab se add karna hoga. Yahan beneficiary ka matlab hai ki vah jisko aap paise transfer karna chahte ho.aur aisa karne ke liye aapko beneficiary ke kuchh details bhi bharane honge Jaise Add New Payee section jo ki is prakar hai.
A. Account number
B. Name.
C. IFSC code.
D. Account type.
3. ek bar pahle add ho jaaye Uske bad aap ko NEFT ko fund transfer mode ke hisab se chunna hoga.
4. Ab aapko account select karna hota hai jahan ki aapko paise transfer Karne hain, yahan aapko payi select karna hai, Uske bad amount enter karna hai jitna ki aap chahte ho transfer karna aur FIR remarks ( optional) hota hai.
5. Free submit ke upar click karna hota hai.

NEFT ke liye offline procedure:

1. Sabse pahle a bank aapko chalna hoga.
2. Vaha NEFT/RTGS from ko bhare.Uske bad ye following details Apne beneficiary ke vishay mein use form ko pradan Karen :
A. Name.
B. Account number.
C. Bank name.
D. Branch.
E. IFSC code.
F. Account type.
G. Account number.
H. Amount jitna aapko transfer karna hai.
3. Uske bad apni bhare hue form ko submit kar de jo ki aage vah authorise kar sake paise transfer karne ke liye.

NEFT kaise karya karta hai ?

yahan per main aapko NEFT transfer ke generic process ko samjhane ki koshish kari hai, lekin yeah Bari Kiya alag alag Bank mein alag alag ho sakti hain, fir bhi yah process lagbhag Saman hi hota hai.
1. jaisa ki maine aapko pahle hi bataya hai ki kaise aapko online ya offline mode mode ke madhyam se form ko details mein bharna hota hai,beneficiary ke vishay mein Puri jankari pradan Karni hoti.iske sath kaise Bank use authorise kar aage process karti hai.

2. Iske uprant aapka Bank ek message ishu karta hai aur fir use unke a NEFT service centre ko bhej dete Hain.

3. NEFT is message ko forward karta hai aapki bank se NEFT clearing centre tak joki National Clearing Cell ke dwara operate Kiya jata hai aur iske sath yah ek hissa hai reserve Bank of India ka Mumbai main aur use yah include kar data hai next available branch of transaction mein.

4. Iske bad NEFT clearing centre Sare funds transfer transaction section ko short karta hai Uske banks ke hisab se aur an entries ko kuchh is prakar se jata hai ki jis se jis Bank per aapke paise jaane hote hain vah bilkul aasani se a short ho jaen. NEFT service centre Uske bad messages paate Hain jahan ki unhen sari entries shorted milati Hain, iske sath unhen NEFT clearing centre sabhi paise ke vishay mein messages milte Hain, jahan unki funds ko receiver ke account per paise bhejne Ka nirdesh hota hai.

Fees or charges kya hai NEFT transfer ke: yahan per dhyan Dene Wali baat yah hai ki ki recipent and Bank aapko koi bhi fees charge nahin karta hai. NEFT transaction ke liye. Lekin ek sender, ke liye sending Bank unhen charge karti hai. NEFT transaction ke liye. Yah kitni charge Karti hai Uske vishay mein jankari niche is prakar hai.

Note: yah charges samay samay per badalte rahte hain. Isliye NEFT bhejne se pahle Apne bank se Salah jarur len.

Timing NEFT transactions ki kya hoti hai: yadi abhi ke samay ki baat karen to NEFT hourly batches mein kam karti hai isliye yah service centres operational hours ke beech kam karti hai jo ki ki subah 8:00 baje se Shyam ke sath baje tak normal week days mein aur subah 8 baje se dopahar ke ek baje tak Saturday ko. Iske sath 850 hote hain ek ke bad ek kam karne ke liye. Isliye paison ko transfer Kiya jata hai Monday se Saturday tak (bus mahine ke dusre aur chauthe shaniwar ko chhodkar) iske alava NEFT transactions public or bank holidays mein bhi Kam Nahin karta hai.

Public holidays NEFT transactions ko complete nahin kiya ja sakta hai kuchh is prakar hai:
Republic Day, good Friday, RBI annual closing of accounts, ramzan Eid, independence Day, dashara, vijaydashmi, Muharram aadi.

NEFT ke dwara kaun fund transfer kar sakte hain?

Koi bhi firm, individual, corporation NEFT ka istemal kar sakta hai hai ek bank account se Kisi dusre bank account ko fund transfer karne ke liye lekin yahan dhyan Dene Wali baat yah hai ki unka use Bank branch mein bank account Hona chahie aur use Bank branch mein NEFT facility bhi enable honi chahie.
Iske alava aapko yah bhi pata Hona chahie ki aapke pass bank account Ka Hona anivarya Nahin hai. Yadi kisi ka Bank branch mein main bank account na bhi ho aur tab bhi yadi vah NEFT ke dwara fund transfer karna chahta hai to NEFT instruction slip ko feel Karke fund transfer Kiya ja sakta hai.lekin NEFT ke dwara is prakar se fund transfer karne ke liye 1 transaction mein adhiktam 50 hajar rupaye tak ka amount hi transfer Kiya ja sakta hai.

NEFT ke dwara kon fund receive kar sakte hain?

Yah kam 1 individual, firm, corporation jinka Bank branch mein bank account ho to vah sabhi NEFT ke dwara send kiye Gaye fund ko receive kar sakte hain. Lekin iske liye beneficiary customer ka use Bank branch mein Bank ka hona anivarya hai jismein NEFT facility available ho.

Benefits kya hai NEFT ke:

1. NEFT ke madhyam se koi bhi firm, individual, corporation ityadi bade aaram se paise ek account se dusre account tak bhej sakte hain.

2. Yahan per beneficiary customer jinhen paise bheje jaate Hain ko receive karne ke liye Bank branch mein jaane ki avashyakta Nahin Hoti hai aur na hi Kisi prakar ki paper formalities karni padati hai.

3. Iske atirikt aapko yah bhi batana chahie ki NEFT mein fees bahut hi kam hoti hai.

4. Internet banking Ka istemal Karke kahin se bhi, aur kabhi bhi transfer Kiya ja sakta hai. Yah bahut hi sirf aur secure hota hai.aur yadi kabhi kisi Karan se aapka transaction complete Nahin ho pata hai To aise main aapko ghabrane ki jarurat Nahin hai kyunki aise mein Aapka paisa kahin kho Nahin jata hai balki bheje Gaye account per hi wapas Chala jata hai.

5. Aapko bata den ki yah log value transaction ke liye jyada madadgar sabit hota hai.
6. Yahan per receiver ko koi bhi additional cost Nahin dena hota hai.
7. Ek mahatvpurn baat aur ki yahan pratyek bache ek ghante ka hota hai.

NEFT ke nuksan :

1.Is Tarah ki suvidha ki sabse badi baat yah hai ki iska istemal karne ke liye computer aur internet istemal karne ka gyan Hona jaruri hai. Yahi is suvidha ke istemal mein sabse badi disadvantage hai.hamare desh mein adhiktar log aise Hain Jo educated nahin hai aur bahut se educated To hai lekin unhen computer aur internet ka gyan Nahin hota hai.ISI vajah se NEFT Ka prayog Karna sabke liye sambhav Nahin hai.

2. waise to ab online fund transfer ko bahut adhik secure aur surakshit Kiya ja chuka hai lekin jab yah suvidha I thi use waqt internet mein anti suraksha Nahin thi aur online banking Karne Wale logon ke man mein yah dar bhi hota tha ki koi unke account ko access Na Kar le.

Banks Jo NEFT facility uplabdh karate Hain:

1. ICICI NEFT
2. SBI NEFT
3. Central Bank of India NEFT
4. HDFC NEFT.
5. Axis Bank NEFT
6. Punjab National Bank NEFT.
7. Indian overseas Bank NEFT
8. Syndicate Bank NEFT
9. Bank of Baroda NEFT

To doston yah thi NEFT kya hai ke bare mein avashyak jankari. Jiski jarurat aapko kahin bhi kar sakti hai.yadi aapko NEFT se paise kaise transfer Karen ki jankari acchi lage To Apne doston ke sath share jarur Karen.sath hi yadi aapka Kisi bhi prakar ka koi sawal ho to comment box mein comment Karen. Ham jald hi aapke sawalon ke jawab denge dhanyvad