RTGS/NEFT
RTGS - Real Time Gross Settlement
The Goa Urban Cooperative Bank Ltd. offer RTGS facility to its customers.
RTGS system is a funds transfer mechanism where transfer of money takes place from one bank to another on a "real time" and on "gross" basis. This is the fastest possible money transfer system through the banking channel. Settlement in "real time" means payment transaction is not subjected to any waiting period. The transactions are settled as soon as they are processed. "Gross settlement" means the transaction is settled on one to one basis without bunching with any other transaction. Considering that money transfer takes place in the books of the Reserve Bank of India, the payment is taken as final and irrevocable.
The RTGS system is primarily for large value transactions. The minimum amount to be remitted through RTGS is 2.00 lac. There is no upper ceiling for RTGS transactions. RTGS eliminates settlement risk.
The system has also stabilized over the years and has been witnessing increased coverage in terms of bank branches and transaction volume. The volume of RTGS transactions is increasing rapidly.
NEFT - NATIONAL ELECTRONIC FUND TRANSFER
NEFT is an electronic payment system to transfer funds from one account to another, between NEFT participant bank branches in India.
The NEFT system operates on a deferred net settlement basis (DNS), in which transactions are settled in batches. It is a risk free, secure and reliable mode for transfer of funds of any amount, in which more than 75,000 branches of 100 Banks participate.
Charges for RTGS/NEFT:
NEFT | Amount Range | Charges + GST |
1 | SB | NIL |
2 | UPTO Rs. 10000 | NIL |
3 | Above Rs.10000 upto Rs 1 Lakh | Rs 5/- per transaction |
4 | Above Rs 1 lakhs upto Rs 2 Lakh | Rs 15/- per transaction |
5 | Above 2 Lakhs | Rs 25/- per transaction |
RTGS | Amount Range | Charges + GST |
1 | SB | NIL |
2 | Above Rs. 2 Lakh to 5 Lakhs | Rs. 25/- per transaction |
3 | Above Rs.5 lakhs | Rs. 50/- per transaction |
List of IFSC Codes under Sub-Membership of HDFC Bank
BANKNAME | IFSC CODE | BRANCH | MICR |
HDFC BANK LTD | HDFC0CGUB03 | The Goa Urban Co-op Bank Ltd - PANAJI | 403416003 |
HDFC BANK LTD | HDFC0CGUB07 | The Goa Urban Co-op Bank Ltd - MARGAO | 403416007 |
HDFC BANK LTD | HDFC0CGUB09 | The Goa Urban Co-op Bank Ltd - PONDA | 403416009 |
HDFC BANK LTD | HDFC0CGUB10 | The Goa Urban Co-op Bank Ltd - CURCHEM | 403416010 |
HDFC BANK LTD | HDFC0CGUB08 | The Goa Urban Co-op Bank Ltd - VASCO | 403416008 |
HDFC BANK LTD | HDFC0CGUB13 | The Goa Urban Co-op Bank Ltd - CAVELOSSIM | 403416013 |
HDFC BANK LTD | HDFC0CGUB04 | The Goa Urban Co-op Bank Ltd - MARKET | 403416004 |
HDFC BANK LTD | HDFC0CGUB05 | The Goa Urban Co-op Bank Ltd - MALA | 403416005 |
HDFC BANK LTD | HDFC0CGUB17 | The Goa Urban Co-op Bank Ltd - CANACONA | 403416017 |
HDFC BANK LTD | HDFC0CGUB11 | The Goa Urban Co-op Bank Ltd - PVIM | 403416011 |
HDFC BANK LTD | HDFC0CGUB02 | The Goa Urban Co-op Bank Ltd - HO BR | 403416002 |
HDFC BANK LTD | HDFC0CGUB18 | The Goa Urban Co-op Bank Ltd - MAPUSA | 403416018 |
HDFC BANK LTD | HDFC0CGUB14 | The Goa Urban Co-op Bank Ltd - CUNCOLIM | 403416014 |
HDFC BANK LTD | HDFC0CGUB06 | The Goa Urban Co-op Bank Ltd - MIRAMAR | 403416006 |
HDFC BANK LTD | HDFC0CGUB19 | The Goa Urban Co-op Bank Ltd - MADEL | 403416019 |
HDFC BANK LTD | HDFC0CGUB15 | The Goa Urban Co-op Bank Ltd - BAINA | 403416015 |
• Customers are required to quote IFSC (code) of respective Branch to avail the facility of e-transfer of fund through NEFT/RTGS.
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