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The EFT process flow has been schematically presented below:
In case of EFT, while RBI assurance is that the funds have to be credited by the third working day, in practice it takes around five days for the credit to be effected in the beneficiary’s account. This is on account of the fact that in EFT the branches need not be networked, as a result the information flows in a physical manner to the concerned branch.
The value of each EFT transaction can be in whole rupees only and cannot exceed Rs. 2 crores. A service charge of Rs. 2/- per transaction is payable to RBI.
II. Special Electronic Fund Transfer
Reserve Bank of India (RBI) has launched SEFT system to facilitate an efficient and economical system of funds transfer and clearing in the banking sector...
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