National Electronic Funds Transfer for secure and reliable fund transfers across all participating banks in India.
A batch-based electronic funds transfer system with 8 settlement cycles daily. Ideal for routine transfers.
Real-time Gross Settlement for immediate high-value fund transfers between banks in India.
A real-time settlement system for high-value transfers. Money reaches instantly during working hours.
Seamless banking across all branches instantly. Access your account from any Pragathi branch anytime.
A centralized system allowing unified access to all accounts and services across all branches.
| Feature | NEFT | RTGS | Core Banking |
|---|---|---|---|
| Processing Speed | 30 mins – 2 hours | Real-time (Instant) | Instant |
| Minimum Amount | No minimum | ₹2 Lakhs | N/A |
| Maximum Amount | No limit | No limit | N/A |
| Transaction Charges | ₹5–50 | ₹25–100 | Free |
| Settlement Cycles | 8 times daily | Continuous (Real-time) | Immediate |
| Operating Hours | 24/7 (Settlement hours vary) | 9 AM – 6 PM (Weekdays) | 24/7 |
| Best For | Routine & small transfers | Large & urgent transfers | Account access & management |
End-to-End Encryption: All transfers are encrypted using 256-bit SSL technology.
Two-Factor Authentication: OTP verification for added security on every transaction.
Fraud Detection: Real-time monitoring to detect and prevent suspicious transactions.
Transaction Reversal: Any erroneous transfer can be reversed within 7 days.
24/7 Support: Our team is always available to help with any transaction issues.
DICGC Coverage: All deposits and funds protected up to ₹5 lakhs under DICGC.
Our dedicated support team is ready to assist you with any questions or issues related to our digital banking services.
Call Us
+91 9703641346Email Us
support@pragathi.comVisit Branch
Any Pragathi LocationEnable our digital services and experience hassle-free banking. Secure, fast, and accessible anytime, anywhere.
