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RTGS-NEFT MEANING CHARGES TIMING LIMIT ADVANTAGES PROCESS

In the fast-paced world of finance, the seamless and instantaneous transfer of funds is essential for businesses and individuals alike. Elec...

In the fast-paced world of finance, the seamless and instantaneous transfer of funds is essential for businesses and individuals alike. Electronic Fund Transfers (EFTs) have emerged as a cornerstone in facilitating these transactions. Two widely used EFT systems are Real-Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT). This blog post aims to unravel the complexities surrounding RTGS and NEFT, offering readers a comprehensive understanding of these electronic payment systems.

RTGS-NEFT MEANING CHARGES TIMING LIMIT ADVANTAGES PROCESS


Understanding RTGS

Real-Time Gross Settlement (RTGS) is a high-speed electronic fund transfer system where transactions are processed instantly, on a gross basis. This means that each transaction is settled individually without netting with any other transaction. RTGS is specifically designed for high-value transactions, providing real-time settlement and reducing credit risk.

How RTGS Works

In the RTGS system, participant banks communicate directly with the central bank or a designated clearinghouse. When a customer initiates a transaction, the participating banks verify the availability of funds in the sender's account and transmit the transaction details to the central system. The central system then processes the transaction in real-time, transferring funds from the sender's account to the recipient's account instantly.

RTGS Charges

As of July 01, 2019, the Reserve Bank of India (RBI) has implemented changes regarding the processing charges for Real-Time Gross Settlement (RTGS) transactions. In a move aimed at promoting digital transactions and reducing financial burdens on users, the RBI has decided to waive the processing charges it previously imposed on RTGS transactions. This waiver applies to transactions conducted through the RTGS system, and banks are encouraged to pass on this benefit to their customers.

To standardize and rationalize service charges associated with funds transfer through the RTGS system, the RBI has established a comprehensive framework for charges. This framework delineates charges for both inward and outward transactions, providing clarity on the cost structure.

For inward transactions, no charges are to be levied. This means that recipients of funds through RTGS will not incur any fees for the transaction.

For outward transactions, the charges are structured as follows:

a) Transactions ranging from ₹2,00,000/- to 5,00,000/-: The charge should not exceed ₹25/-, exclusive of any applicable taxes.

b) Transactions exceeding ₹5,00,000/-: The charge should not exceed ₹50, exclusive of any applicable taxes.

It is important to note that while these charges provide a broad framework, individual banks have the flexibility to decide on their fee structure within these limits. Banks may choose to charge a lower rate than the prescribed maximum, but they are not permitted to charge more than the rates set by the RBI. This allows for a degree of flexibility for banks while ensuring that customers are not subjected to exorbitant charges for RTGS transactions.

Transaction TypeRTGS ChargesNEFT Charges
Inward TransactionsFreeFree
Outward Transactions
Up to ₹2,00,000NACharges vary, typically nominal
₹2,00,001 - ₹5,00,000Not exceeding ₹25 (exclusive of tax)
Above ₹5,00,000Not exceeding ₹50 (exclusive of tax)na
Note: The above charges are indicative and based on the guidelines as of October 31, 2022. Banks may choose to charge lower rates, but they cannot exceed the maximum rates prescribed by the Reserve Bank of India (RBI).

When targeting the USA market in your blog, it's essential to emphasize that these charges are specific to transactions in India, and international transactions may have different fee structures. Users are advised to check with their respective banks or financial institutions for the most accurate and up-to-date information regarding RTGS and NEFT charges, especially when dealing with cross-border transactions.

In summary, the RBI's decision to waive its processing charges for RTGS transactions, coupled with the prescribed framework for service charges, aims to make electronic funds transfers more cost-effective and user-friendly. The guidelines provide a transparent structure for charges, promoting consistency and fairness in the application of fees associated with RTGS transactions.

Advantages of RTGS

RTGS offers several advantages, including instant fund transfers, reduced credit risk, and increased transparency. The real-time nature of RTGS ensures that funds are available to the recipient immediately, contributing to faster and more efficient financial transactions. Additionally, the gross settlement mechanism minimizes the risk associated with delayed or failed settlements.

Limit: The RTGS system is primarily meant for large-value transactions. The minimum amount to be remitted through RTGS is ₹ 2,00,000/- with no upper or maximum ceiling.

Real-Time Gross Settlement System (RTGS) - Updated FAQ 

1. What does RTGS stand for?

   The acronym 'RTGS' stands for Real-Time Gross Settlement. It refers to a system where there is continuous and real-time settlement of fund transfers, individually on a transaction-by-transaction basis (without netting). 'Real Time' implies processing instructions at the time of receipt, and 'Gross Settlement' means settlement of funds transfer instructions occurs individually.

2. **Are the payments under RTGS final and irrevocable?**

   Yes, since the funds settlement occurs in the books of the Reserve Bank of India (RBI), payments made through RTGS are final and irrevocable.

3. **What are the benefits of using RTGS?**

   RTGS offers various advantages:

   - Safe and secure fund transfer system.

   - No amount cap set by RBI for transactions.

   - Available 24x7x365, ensuring real-time fund transfers.

   - Eliminates the need for physical cheques or demand drafts.

   - Transactions can be initiated through internet banking.

   - Transaction charges are capped by RBI.

   - Legal backing for transactions.

4. How is the processing of RTGS different from that of the National Electronic Funds Transfer (NEFT) System?

   In RTGS, transactions are processed continuously on a transaction-by-transaction basis throughout the day, while NEFT processes transactions in batches.

5. Is RTGS a 24x7 system, or are there some timings applicable?

   RTGS is available 24x7x365 since December 14, 2020.

6. Is there any minimum/maximum amount stipulation for RTGS transactions?

   The RTGS system is primarily meant for large-value transactions. The minimum amount for remittance through RTGS is ₹2,00,000/- with no upper or maximum ceiling.

7. What about processing charges/service charges for RTGS transactions?

   As of July 01, 2019, RBI has waived the processing charges for RTGS transactions. A framework of charges for banks includes no charges for inward transactions and capped charges for outward transactions based on transaction amounts.

   - Inward transactions – Free, no charge to be levied.

   - Outward transactions – ₹2,00,000/- to 5,00,000/-: not exceeding ₹25/- (exclusive of tax, if any)

   - Above ₹5,00,000/-: not exceeding ₹50 (exclusive of tax, if any)

   Banks may charge a lower rate but cannot exceed the rates prescribed by RBI.

8. What is the essential information that the remitting customer needs to furnish for making a remittance?

   The remitting customer must provide:

   - Amount to be remitted

   - Account number to be debited

   - Name of the beneficiary bank and branch

   - IFSC number of the receiving branch

   - Name and account number of the beneficiary customer

   - Sender to receiver information, if any

   - Sender and Beneficiary Legal Entity Identifier (for eligible transactions)

9. How would one know the IFSC number of the receiving branch?

   The remitter can obtain the IFSC number from their bank branch or from the cheque leaf of the beneficiary. The list of IFSCs is also available on the RBI website and is updated regularly.

10. Do all bank branches in India provide RTGS service? How can a remitting customer know whether the bank branch of the beneficiary accepts remittance through RTGS?

    For an RTGS transaction, both the sending and receiving bank branches need to be RTGS enabled. The list of RTGS-enabled bank branches is available on the RBI website and is updated regularly.

11. What care should be taken while originating an RTGS transaction?

    While putting through an RTGS transaction, ensure that:

    - Originating and destination bank branches are part of the RTGS network.

    - Beneficiary details are accurate, including name, account number, and IFSC of the beneficiary bank branch.

12. In RTGS, why is credit to the beneficiary given solely based on account number?

    Transactions in RTGS happen in real-time, making it impractical to match names and account numbers before affording credit to the beneficiary. Credit is given solely based on the account number to ensure swift processing.

13. **What is the time taken for effecting funds transfer from one account to another through RTGS?**

    Under normal circumstances, the beneficiary branches are expected to receive the funds in real-time, with the beneficiary bank crediting the account within 30 minutes of receiving the funds transfer message.

14. Can a remitting customer initiate a transaction for a future date?

    No, the RTGS system does not accept future value-dated transactions.

15. Can a transaction be originated to draw (receive) funds from another account?

    No, RTGS is a credit-push system, allowing transactions to be originated only by the payer/remitter/sender to transfer funds to a beneficiary.

16. Can an RTGS transaction be tracked? Would the remitting customer receive an acknowledgment of money credited to the beneficiary's account?

    While customers do not have the facility to track the transaction, the RBI has implemented positive confirmation in an RTGS transaction. The remitting bank receives a message from RBI (through the beneficiary bank) confirming that the money has been credited to the beneficiary's account.

17. **Would the remitting customer get back the money if it is not credited to the beneficiary's account? Is there any time frame prescribed for it?**

    Yes, if it is not possible to credit the funds to the beneficiary customer’s account, the funds received by the RTGS member bank will be returned to the originating bank within one hour of receipt or before the end of the RTGS Business Day, whichever is earlier.

18. Is a customer eligible to get compensation for delay in returning the payment?

    In case of any delay in returning the failed payment, the originating customer is eligible to receive compensation at the current repo rate plus 2%.

19. Whom can a customer contact, in case of non-credit or delay in credit to the beneficiary account?

    The customer can contact their bank/branch. The details of Customer Facilitation Centre of member banks are also available on the RBI website.

20. What is UTR number?

    Unique Transaction Reference (UTR) number is a 22-character code used to uniquely identify a transaction in RTGS system.

21. What is the Help Desk/Contact point at the RBI?

    The RTGS Help Desk/Contact point of the RBI can be reached at rtgsmumbai@rbi.org.in.

22. Whom should I approach for raising a dispute/complaint related to RTGS transaction?

    Customers can approach the grievance redressal cell of their bank with details of the disputed transaction. If the grievance is not resolved within 30 days, a complaint can be made under “The Reserve Bank-Integrated Ombudsman Scheme (RB-IOS 2021).”

23. How can I file a complaint under the RB-IOS 2021?

    Complaints can be filed online on https://cms.rbi.org.in, through dedicated e-mail, or sent in physical mode

Decoding NEFT

National Electronic Funds Transfer (NEFT) is another popular EFT system that operates on a deferred net settlement basis. NEFT processes transactions in batches, with settlements occurring at predetermined intervals. This system is more suitable for small to medium-value transactions.

How NEFT Works

NEFT involves participant banks and branches that send transaction requests to a central clearinghouse. These requests are collected and processed in batches at specific intervals throughout the day. The net settlement amount is then transferred between the participant banks, and individual transactions are settled accordingly.

Advantages of NEFT

NEFT offers cost-effective solutions for fund transfers and is widely accessible to both individuals and businesses. With lower operational costs compared to RTGS, NEFT is an attractive option for those looking to make medium to small-value transactions. The system is available during extended operating hours, enhancing its accessibility.

Limitations and Challenges

One of the primary limitations of NEFT is the time delay in processing transactions. Since settlements occur in batches, there may be a delay before funds are credited to the recipient's account. Additionally, NEFT operates within specific hours, which may pose a challenge for users requiring immediate fund transfers outside these periods.

A Comparative Analysis

To better understand the distinctions between RTGS and NEFT, let's explore a comparative analysis based on processing speed, transaction limits, applicability for different transaction sizes, operational hours, and cost implications.

Processing Speed

RTGS provides instant fund transfers, making it ideal for time-sensitive transactions. In contrast, NEFT involves batch processing, leading to delays in fund transfers.

Transaction Limits

RTGS is typically used for high-value transactions due to its real-time gross settlement mechanism. NEFT, on the other hand, is more suitable for small to medium-value transactions.

Applicability for Different Transaction Sizes

RTGS is preferred for large transactions where immediate settlement is crucial. NEFT caters to a broader range of transaction sizes, making it suitable for various financial needs.

Operational Hours

RTGS is available 24x7x365 with effect from December 14, 2020., while NEFT often operates during extended hours, providing flexibility for users.

Cost Implications

RTGS transactions usually involve higher costs due to the real-time processing infrastructure. NEFT, being a batch processing system, is more cost-effective for smaller transactions.

Choosing the Right System for Your Needs

Selecting between RTGS and NEFT depends on various factors such as transaction urgency, value, and cost considerations. For high-value, time-sensitive transactions, RTGS is the preferred choice. NEFT is a more versatile option for users with lower-value transactions and flexible timelines.

Recent Developments and Innovations

As technology continues to evolve, electronic fund transfer systems are undergoing significant advancements. Regulatory changes and innovations in payment technologies are shaping the landscape of RTGS and NEFT. Financial institutions are exploring ways to enhance the efficiency, security, and accessibility of these systems.

Security and Risk Management

Ensuring the security of electronic fund transfers is paramount. Both RTGS and NEFT adhere to stringent security measures and regulatory frameworks. Risk mitigation strategies, including encryption protocols and transaction monitoring, are implemented to safeguard against fraud and unauthorized activities.

NEFT FAQ

The document provides comprehensive information about the National Electronic Funds Transfer (NEFT) system in India as of October 31, 2022. Here are the key points and answers to the questions:


1. NEFT System Overview:

   - NEFT is a centralized payment system owned and operated by the Reserve Bank of India (RBI).

   - Procedures for various stakeholders are available on the RBI website.

2. Advantages of NEFT:

   - 24/7 availability.

   - Near-real-time and secure funds transfer.

   - Pan-India coverage through a vast network of bank branches.

   - Convenience of initiating transactions online.

   - Positive confirmation via SMS/email.

   - Penal interest for delayed transactions.

   - No charges by RBI; capped transaction charges.

   - Legal backing for transactions.

3. NEFT Operation:

   - Initiator (remitter) can use internet/mobile banking or visit a bank branch.

   - Originating bank sends a message to its pooling center.

   - Message forwarded to the NEFT Clearing Centre operated by RBI.

   - Clearing Centre sorts transactions and forwards remittance messages to beneficiary banks.

   - Beneficiary banks credit the funds to the respective accounts.

4. Indian Financial System Code (IFSC):

   - 11-digit alphanumeric code uniquely identifying bank branches participating in NEFT.

   - Used for routing messages and identifying banks/branches.

5. Finding IFSC:

   - List of IFSCs available on the RBI website and advised to be printed on cheques.

6. Eligibility for NEFT:

   - Individuals, firms, and corporates with accounts in NEFT member banks can use the system.

7. Funds Limit:

   - No RBI-imposed limit, but banks may have their own risk-based limits.

8. NEFT for Non-Account Holders:

   - Individuals without a bank account can remit cash, limited to ₹50,000 per transaction.

9. NEFT for International Remittances:

   - Outbound remittances allowed to Nepal under the Indo-Nepal Remittance Facility (INRF) Scheme.

10. NEFT Operating Hours:

    - Available 24/7 on a 24x7x365 basis, operating in batches at half-hourly intervals.

11. Essential Details for NEFT:

    - Beneficiary's name, branch name, bank name, account type, account number, branch IFSC, sender, and beneficiary Legal Entity Identifier.

12. Customer Charges:

    - No charges for inward transactions.

    - RBI stopped processing charges from July 01, 2019.

    - No charges for online NEFT funds transfers from savings accounts from January 01, 2020.

    - Capped charges for other outward transactions.

13. NEFT for NRE/NRO Accounts:

    - NEFT can be used for transfers to/from NRE and NRO accounts, subject to FEMA and Wire Transfer Guidelines.

14. Originating NEFT Transactions:

    - NEFT is a credit-push system; only the payer can originate transactions.

15. Tracking NEFT Transactions:

    - Remitter and beneficiary can track the transaction through NEFT Customer Facilitation Centres (CFCs).

16. Details of Source in NEFT Transactions:

    - Remitter's name is printed in the beneficiary's account statement/passbook.

    - An optional field allows additional sender-to-receiver information.

17. RBI Help Desk:

    - NEFT Help Desk/Contact point at RBI: nefthelpdeskncc@rbi.org.in.

18. Receipt Time for Beneficiary:

    - Beneficiary's account should be credited within two hours from batch settlement.

19. Non-Credit of Funds:

    - If not credited, destination banks must return the transaction within two hours.

20. Penalties for Delay:

    - Banks are liable to pay penal interest if the transaction is not credited or returned within two hours.

21. Wrong Account Number:

    - Credit is based on the account number provided by the remitter; the responsibility lies with the sender.

22. Dispute Resolution:

    - Disputes can be raised with the grievance redressal cell of the bank; if unresolved, complaints can be made under the RB-IOS 2021.

23. Filing Complaints Under RB-IOS 2021:

    - Complaints can be filed online, via email, or in physical mode as per the RB-IOS 2021.

24. Safe Digital Payments:

    - RBI provides information on safe and secure digital payments on its website.

25. Legal Entity Identifier (LEI):

    - LEI is relevant for large-value NEFT transactions; FAQs are available on the RBI website.

This comprehensive FAQ provides detailed information about NEFT operations, benefits, procedures, and customer guidelines. Users are directed to refer to the RBI website for the most up-to-date information.

Conclusion

In conclusion, RTGS and NEFT play pivotal roles in the modern financial landscape, enabling seamless electronic fund transfers. Each system has its unique features, advantages, and limitations. Understanding the intricacies of RTGS and NEFT empowers users to make informed decisions based on their specific financial needs. As technology continues to evolve, these electronic payment systems will likely undergo further enhancements, contributing to a more efficient and secure financial ecosystem.

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rate 12.36,6,NEW SERVICES UNDER SERVICE TAX,8,new tax form,1,NEW TAX RATES,5,new tds rate 2010-11,10,new tds rates fy 2009-10,11,new tds rules applicable.,8,NEW TDS RULES FY 2010-11,4,New Year's Day,1,newly weds,1,nhai bonds,4,nhai capital gain bond,4,nhai tax free bonds,4,nifty,1,nil etds challan,4,nil etds return,5,nil tds on transportor,5,Nishant Batra,2,no return for salary,2,No.402/92/2006-MC (10 of 2008),1,nomination,1,non deduction certificate,1,non deposit of TDS,1,non performing assets,1,NON RESIDENT INDIAN,16,NOR,1,note security features,3,NOTES ON 3CD,10,notice of meeting through email company,1,notice pay,5,notices etds,2,notification 19/2008 service tax,1,Notification 19/2009-ST,1,notification 22/2011,1,notification 23/2011,1,notification 24,1,NOTIFICATION 25/2012,7,Notification 26/2011,1,notification 3-2011,1,notification 32/2009 dated 27.03.2009,1,NOTIFICATION 36/2011,2,NOTIFICATION 41 DT 31.05.2010,1,notification19.03.2012,2,npa norms,3,NPCI,1,NPS,39,NRI,29,nri investment indua,4,NRI.PIO,17,NSC ACCRUED INTEREST,16,NSC INTEREST CALCULATOR,9,nsc.,12,NSDL,4,NSE,2,NUMBER TO TEXT,1,numbers in to text,1,OCI,3,official notification,1,official website,2,oidar,1,oltas,4,one increment,2,ONE RANK ONE PENSION,1,one thousand rupee note,2,online,1,ONLINE BALANCE CHECK EPF,4,online bsnl bill verification,2,online deposit of tax,7,online earning,1,online emi calculator,1,online employee provident fund,3,online epf balcnce,8,online filing of service tax return,14,ONLINE FOREX TRADING,1,online life insurance,6,ONLINE PAN,3,online pan verification,3,online rectification itr,2,online refund,16,ONLINE REFUND STATUS,7,ONLINE REGISTRATION OF COMPANY,2,online return rectification,2,online service tax,2,online services by Govt,1,ONLINE ST-3,7,online tan regsitration,6,online tds payment,4,ONLINE VAT,2,opc,2,OPEN OFFER,1,option date,2,orop,1,other forms,1,other income to employer,4,out of debt,2,OUTPUT SERVICE TAX CREDIT,1,OUTSTATION CHARGES,2,own name,1,PACKAGE SOFTWARE,2,PAN,6,PAN ADDRESS,5,pan and income tax return,1,PAN AO CODE,6,pan application excel,4,pan correction,2,pan details,1,PAN LEDGER,8,pan login,7,pan mandatory for hra,2,pan mandatory in etds,2,pan name verificatio,3,PAN ON RENT RECIPT,1,pan regsitration,2,PAN STATUS NSDL,2,PAN STATUS UTI,1,PAN STRUCTURE,4,PAN SURRENDER,2,pan transfer,1,pan verification,8,pan vs return,1,parcel,1,PARNERSHIP,1,part time course tuition fees,3,part of the year employee form 16,2,part of the year employee form 24q,3,partial reverse charge in service tax,25,partial withdrawal,3,partner salary,5,PARTNERSHIP DEED,5,PARTNERSHIP RATES,1,passport,1,PASSWORD,4,PATENT,1,pay bands,3,Pay calculator,3,pay calculator revised,1,pay commission punjab,1,pay fixation examples,2,pay per post,1,PAY SERVICE TAX ON DUE BASIS,5,payable at par,1,paybands,1,payment bank,1,PAYMENT BY ACCOUNT PAYEE CHEQUE,4,payment by cheque income tax,2,payment due date reminder,1,payment exceeding 20000-35000,1,payment of gratuity act,6,paypal,1,paypal ceiling,1,PDF UTILITY,4,penalty for service tax,8,penalty if cheque cleared late,4,penalty on concealment of Income,7,penalty on late filing non filing of etds return,8,penalty on late filing of income tax return,21,pension,14,pension arrear,2,pension calculator,4,pension da,1,pension fitment,1,pension gazette notification,1,pension notification,1,pension on grade pay military pay,2,pension policy,3,pensioner benefit,3,Permanent account number,8,PERSONAL ACCIDENT INSURANCE,3,personal finance software,3,personal loan,6,PETROL DIESAL SAVE FISCAL DEFICIT,8,PETROL DIESEL PRICE HIKED,12,PETROL EXPENSES VALUATION,8,petrol prices reduced,5,PFC,1,PFC INFRA BONDS,2,PFC TAX FREE BONDS,2,pfrda,2,PHONE BANKING,2,phone password,1,pin,1,pivot tables,3,Place of Provision of Services Rules,4,PLAYER AUCTION,1,pmay,7,pmjdy,11,PMS,2,pmvvy,2,pnr,1,Point of sale,8,POINT OF TAXATION,45,political party deduction,2,Poppy Seeds,1,portfolio,1,POST GRADUATE TEACHER,1,post office fixed deposit,9,post office recurring deposit,10,post office saving deposit account,6,post office schemes,15,postal ballots,1,postal order,2,POWER FINANCE BONDS,2,POWER OF ATTORNEY,1,PPF,39,PPF CALCULATOR,16,ppf huf account,4,ppf interest rate,19,ppf limit,25,ppp,1,ppt,8,ppt fbt,3,ppt on budget 2011,1,PPT UP VAT,1,pranav mukharjee,1,pre construction interest,3,PRE EXISTING E-1 TRANSACTIONS,1,pre filled challan income tax,1,prepayment,1,prepayment penalty,4,press release,1,press release 14.08.2008,3,presumptive tax scheme,15,preventive health check up,4,PRIMARY TEACHER,1,PRINCIPAL,1,printing manual,1,private limited company,10,PROF. TAX,1,profession tax,2,PROFIT RATE UNDER 44AF,1,provident fund dues,1,PROVISION OF FBT ON ESOP,1,provisioning of npa,2,PSPCL,1,PSTCL,1,PSU PAY HIKE,2,public limited company,2,public provided fund,9,PUBLIC SHARE HOLDING IN LISTED COMPANY,2,punjab govt arrear calculator,1,PUNJAB VAT,21,punjab vat notification,16,purchase of residential house,1,pure agent,1,qfi,1,quarterly statement status,3,QUIZ,9,rail freight,6,railway budget,12,railway budget 2012,2,railway ticket,9,RAILWAYS BUDGET 09-10,2,RAILWAYS BUDGET 11-12,1,rajiv gandhi equity saving scheme,13,RAJKUMAR S ADUKIA,4,ramalingam,15,Rate of return,1,RATES AFTER BUDGET,1,rates of service tax,3,rbi,83,RBI ACT,22,RBI Circular on e-payment of taxes,2,RBI FALSE CALLS,9,RBI FALSE MAIL,5,RBI INSTRUCTIONS GAR-7,1,RBI MONETARY POLICY,13,rbi monetary policy 2012,2,RBI NOTIFICATIONS,7,rbi report on customer services,2,ready reckoner income tax,4,REAL ESTATE,10,Real Estate Investments,4,REAL TIME GROSS SETTELEMENT,1,reason for mis matching,6,REBATE ON INPUT GOODS AND SERVICE,3,REC Bonds,3,rec infra bonds,1,rec tax free bonds,2,recent,210,rectification of return online,4,reducction in crr,1,refinance calculator,3,refund,8,refund due to diff in valuation of perquisites,3,refund of service tax on cancellation of tickets,4,refund pilot scheme,4,refund without matching,6,registration charges tax saving,1,RELIANCE COMMERCIAL FINANCE,1,RELIANCE GOLD LOAN,3,RELIANCE LIFE INSURANCE,3,RELIANCE MUTUAL FUNDS,1,relief calculator 2010-11,1,relief calculator fy 2011-12,1,REMUNERATION TO PARTNERS,8,RENT,1,rent a cab,2,RENT RECIPT,1,RENTING OF IMMOVABLE PROPERTY AFTER 01.07.2012,8,RENTING OF IMMOVABLE PROPERTY AFTER BUDGET 2010,5,repayment of housing loan,1,REPLY TO CPC FOR NOTICE,11,REPO RATE,12,Reserve Bank of India,2,reset password,1,RESIDENTIAL STATUS,4,RESOLUTIONS,1,response to outstanding demands,3,RESTAURANT,10,restricted leave,1,retail investor,4,retirement planning,9,retirement steps,2,Retiring early,1,retrospective amendment,1,RETURN EXEMPTION SALARIED CLASS UP TO 5 LAKH,6,RETURN FILING DATES,1,return filing in odd conditions,1,return for contractors tax deducted,1,return not required with pan,1,return of income,1,RETURN PROCESSING,4,RETURN UP TO 5 LAKH,5,RETURN UPTO 5 LAKH,2,REVENUE STAMP ON CHEQUE PAYMENT,4,REVENUE STAP ON RECEIPT,1,reverse charge on works contract,17,REVERSE CHARGE GST,57,reverse charge of service tax,43,reverse mortgage,3,reverse of 80C benefits,3,REVERSE REPO RATE,12,REVISE RETURN,4,revised option date,1,revised pay calculator,3,revised return,6,REVISED SCALE,1,rewards,1,rgess,9,rich,1,right to reject,2,RPF,5,rpu,9,rpu 1.7,1,rpu 2.2,2,rpu 2.5,1,rpu 2.7,1,RPU 3.00,1,rpu 3.1,1,RPU ITR 2011-12,1,rpu2.8,1,RTGS,13,rti,2,rti fees,2,rule 12 of income tax return.,10,RULE 2A,1,rule 4A,2,rule 6(4A),1,rule 6(b),2,rule 6DD,5,rule of 72,1,rule3,2,rule40BA,1,Rupay,2,RUPEE SYMBOL,4,s,1,safety tips for atm,4,SAHRE SHORT TERM CATIAL GAIN,6,salaried employees,1,salary calculator,7,SALARY ETDS Q4,5,salary in new direct tax code,1,salary structure,3,salary tds,8,sale in transit,4,sale of agriculture land,8,SALE OF DEBENTURE,1,sale of residential house,2,SALES MEANING 44AB,5,Sales tax,1,samsung case,3,saral 2,3,saral II,1,SARAL II IN EXCEL,1,Satyam,1,Satyamevjayate,1,SAVE TAX,2,SAVING ACCOUNT,6,saving bank interest,18,saving bank interest rate,2,saving linit u/s 80c,8,saving more than income,2,SAVING PASSBOOK,1,sbi 9.75 % bonds,1,SBI bonds,1,sbi home loan,4,SBI interest rates,10,sbi net banking,4,sbi rates,6,SBIOAHC,1,SBS WIKI,1,SCAM,2,schedule VI companies act,2,SCOPE OF ETDS STATEMENT,1,SCOPE OF SERVICE ENLARGED,1,SCOPE OF SERVICES WIDENED,1,scrutiny fy 11-12,3,scrutiny selection,17,search income tax,5,seat wise/constituencies wise and party and party candidate wise latest position,1,sebi,24,SEC 194 C,5,SEC 194 I,10,sec 194 J,4,secion 80c,4,SECRETARIAL STANDARD,3,secrutiny of itr,1,section 10(10AA),1,SECTION 10(13A),4,section 10(38),3,SECTION 10(5),1,section 139(1),1,section 139(4),1,section 139(5),1,Section 14,1,SECTION 145,3,section 154 return online income tax,4,section 16(iii),1,section 189,1,section 192,8,section 194-J,6,SECTION 194A,4,section 195,11,SECTION 195A,1,section 197,5,SECTION 2(37A),1,section 201(1A),3,section 203(3) section 206(C)(5),5,section 205,1,SECTION 24(b),8,section 269SS 269T,6,section 270A,5,section 271(1)(c),1,section 282B,1,Section 36(1)(vii),1,section 40(a)(ia),13,SECTION 40A(3),12,section 43(5),1,SECTION 44AB 2007-08 LAST DATE,4,section 44AB limit,14,SECTION 44AE,6,SECTION 44AF,2,Section 50,1,Section 50C,2,section 54,30,section 54f,9,SECTION 60,1,section 616(c),1,SECTION 64,1,section 66B service tax,4,section 68,2,Section 73,1,section 80 M,2,section 80c,3,section 80CCF,7,section 80D,18,section 80E,9,secured code master card,5,Securities and Exchange Board of India,1,security features,1,sehaj,1,self assessment tax,5,Seminar on service tax changes,1,Senior citizen,19,Senior Citizens Savings Scheme 2004,19,service charge,3,service ta,1,SERVICE TAX,45,service tax code,1,Service Tax (Removal of Difficulty) Order,1,SERVICE TAX 2010,1,service tax ac class,1,service tax accounting code,5,service tax adjustment,1,service tax audit,10,SERVICE TAX CHANGES FROM 01.07.2012,46,service tax changes in budget,58,Service TAX CLARIFICATION,17,SERVICE TAX COMPLIANCE,1,SERVICE TAX DEPOSIT DUE DATE,9,SERVICE TAX DUE DATE,6,Service Tax excel pdf word,1,SERVICE TAX EXEMPTION LIMIT,9,Service Tax Form excel pdf word,3,SERVICE TAX FORMS,1,service tax internet banking,1,service tax notifications,5,SERVICE TAX ON LAW FIRM ADVOCATES,3,service tax on transportation of passengers by air,2,service tax on advocates,5,SERVICE TAX ON BROKERAGE,2,service tax on ca,2,service tax on coaching,4,service tax on construction services,23,service tax on director services,5,SERVICE TAX ON DISTRIBUTION OF ELECTRICITY,2,SERVICE TAX ON EDUCATIONAL SERVICES,4,service tax on gta,7,service tax on health services,4,service tax on hotel clarification,12,SERVICE TAX ON HOTEL ROOM RENT,10,service tax on invoice basis,5,service tax on lawyers,1,SERVICE TAX ON LEASING,1,SERVICE TAX ON PACKAGE SOFTWARE,1,service tax on railway freight,8,SERVICE TAX ON RENT,6,service tax on road,4,service tax on transmission distribution of electricity,4,service tax on work contract tax,9,service tax on wrong head,1,service tax onr eimbursements,1,SERVICE TAX PAYMENT,6,SERVICE TAX PROCEDURES,3,SERVICE TAX RATE CHART,12,service tax rate effective date,12,service tax rate reduced,5,service tax rates increased,21,SERVICE TAX REGISTRATION,12,SERVICE TAX REGISTRATION LIMIT,4,SERVICE TAX RETURN,34,SERVICE TAX RULES,11,service tax section 65(105)m,1,SERVICE TAX VOLUNTARY COMPLIANCE ENCOURAGEMENT SCHEME,17,SERVICES CHARGES OF BANKS,2,SERVICES TAXABLE,5,servicetax,1,set off in same head or other head.,10,sevice tax on associate enterprises,2,sez,6,share,3,share market,3,SHARE SHORT TERM Capital GAIN,10,share transfer,1,share your thoughts,1,SHOME COMMITTEE REPORT,3,Short term capital gain depreciable Assets,1,SHORT TDS,1,SHORT TERM ACCOMMODATION,1,short term capital gain 15 %,10,silver,1,SIM CARD,2,SIMPLE TAX CALCULATOR,2,single premium policy,2,sip,8,SIXTH COMMISSION,2,sixth pay commission,17,skimming,1,slider based EMI calculator,1,SLR,4,small saving schemes,18,small service provider,1,smart buying tips,1,software import,1,son eduction loan father,1,speak asia,3,speak asia fraud,2,speak asia online,2,speed clearing,3,spending habits,1,SPF,8,splitting of wages,2,Spreadsheet,2,SRVICE TAX CLARIFICATION,9,ss patta,1,ST-1 EXCEL,4,ST-2,2,ST-3,12,stamp duty,3,STANDARD DEDUCTION,6,standing committee,1,startup india,2,State Bank of India (SBI) Cards,1,status of return,1,STATUS OF TAX DEDUCTED,1,statutory audit,7,stay on demand notices,4,STCG 10% 15%,12,STGC,1,Stock,1,STOCK EXCHANGE,1,STOCK MARKET FROM 9.00 AM.,1,STOCK MARKETS,1,stp,1,STRUCTURE AND VALIDATION OF PERMANENT ACCOUNT NUMBER,2,stt,7,stt challan,1,sub contractor,3,SUBPRIME CRISES,2,success secrets,1,sugam,5,Suggestion on Budget-23,35,Sukanya Samriddhi Account,11,SUPREME COURT,2,SUPREME COURT RENT,7,sur name in pan,1,surcharge cess on tds,4,Surrender-Cancellation of Service Tax Registration,1,survey income tax,5,SWACHH BHARAT CESS,12,swiss bank,1,Systematic Investment Plan,6,tally 7.2,3,tally 9,5,tally easy,3,tally erp9,6,tally recycle bin,3,tally shortcut,10,tally simple,8,tally tips,5,TAN,3,TAN STRUCTURE,1,Tariff Value,1,Tax saving,4,tax accounting standards,4,TAX AMNESTY SCHEME,4,tax benefit from budget,2,TAX CALCULATION,4,TAX CALCULATION 2008-09,1,TAX CALCULATION FORMULA ADDIN EXCEL,2,TAX CALCULATOR,1,tax calculator 10-11,2,TAX CALCULATOR 2008-09,1,tax calculator 2010-11,2,tax calculator after budget 2011,1,tax calculator financial year 10-11,1,tax calculator fy 11-12,1,tax calculator income tax,1,tax collection,3,Tax credit,5,TAX DEDUCTED AT SOURCE CALCULATOR (TDS)2007-08,2,tax deducted at source return etds,3,Tax deduction,8,tax deduction at source chart,1,TAX EVASION,1,Tax free bonds,7,TAX ON ARRERS,1,tax on due date by cheque,2,tax on perquisite,4,TAX ON PROVIDENT FUND,2,tax payment by internet,1,tax payment from other's account,1,tax payment online,1,tax planning for salary,5,TAX RATES,2,tax rates changes in budget 2011,2,tax rates in new tax code,2,tax return preparer,1,tax saving capital gain,3,tax saving mutual funds,17,tax saving tips,1,TAX SLABS,7,tax through atm,2,tax yogi,3,taxable allowances,6,Taxation,1,Taxation in India,1,TAXES BY INTERNET,1,TAXMANN,4,TAXPRO CHALLAN,2,tcs on gold,11,tcs on jewellery,8,TCS ON MINERALS,2,tcs rate chart,5,TCS RATES,15,tds certificate,2,tds 194I Limit for deduction,7,tds at less rate,6,tds calculations,2,tds calculator,11,tds calculator after 1.10.2009,1,TDS CERTIFICATE,6,tds challan 281,5,tds chart,1,TDS CORRECTION,3,TDS CREDIT MORE TAN ONE YEAR,4,tds cut off limit changed,1,tds deducted in march,8,TDS DEFAULT BY EMPLOYER,2,tds deposited on time,2,tds due date,5,tds man,4,tds matching,5,tds noitce,1,tds not deducted penalty,5,tds not paid,1,TDS ON BANK INTEREST,1,tds on car charges,1,TDS ON COLD STORAGE RENT,4,tds on commission,2,tds on discount on prepaid cards,1,TDS on e-commerce,1,TDS ON EPF,2,tds on fees,1,TDS ON GST,6,tds on immovable property,19,TDS ON INTEREST,5,tds on job work,2,tds on Non resident,10,tds on players,3,tds on professional services,6,tds on rent,13,tds on royalty,6,TDS on salary,36,tds on sale purchase of property,1,tds on service tax,9,tds on service tax on professional services,4,tds on service tax u/s 194-J,7,tds on taxi hire charges,3,tds on technical services,1,tds on transporter,5,tds on transportor,2,tds on travel agent,1,tds on umpires,1,tds on vehicles,1,tds online,1,tds payment online,1,tds payment online mandatory,2,TDS PRESENTATION,1,tds professionals,1,TDS PROVISIONS,1,TDS RATE 10-11 -TDS DEPOSIT TDS RETURN DUE DATE DOWNLOAD PDF,3,tds rate 2011-12,1,tds rate 2012-13,5,tds rate after budget,4,tds rate chart,17,TDS RATE CHART 11-12,5,tds rate chart 2019-20,1,tds rate chart fy 2014-15,1,tds rate chart fy12-13,1,TDS RATE WITHOUT PAN,3,TDS RATES,32,tds rates 07-08 EXCEL,3,tds rates 09-10 FY,6,TDS RATES 10-11,11,tds rates 2012,4,tds rates after budget 2010,2,TDS RATES ASSESSMENT YEAR 2011-12,4,tds rates chart 10-11,2,TDS RATES DIRECT TAX CODE,2,TDS RATES FOR AY 2010-11,2,tds rates fy 2016-17,3,TDS RATES FY 2017-18,3,TDS RATES FY 2018-19,1,TDS REFUND,11,tds return online free,3,tds rules amendment,4,tds salary rate,3,tds section 194C,9,tds software,1,tds statement,2,tds taxi charges,1,tds u/s 194C,6,TDS U/S 195,8,tds verification,2,TDSCPC,28,tdsman,15,tdsman software,13,TEACHER PAY SCALE,1,TERM DEPOSIT,3,TERM INSURANCE,8,term plan,2,The companies act 2013,132,The companies rules,115,THIN CAPITALISATION,1,third party insurance,2,ticket booking tds,2,time deposit,2,times prime membership,1,TIMING CHANGE,1,tin structure,2,tin-nsdl,14,tin-nsdl free etds statement software,3,TIN-NSDL.TIN NSDL FORM 16,4,TOLL FEES,1,tool bar for Chartered Accountants,5,TOP BANK OFFICIAL CBI ARREST,1,TR-6,1,traces,15,TRADEMARK,2,trading in shares,7,transaction not transfer,1,transfer fee,1,transfer includes,2,transfer loan from one bank to other,1,transport allownace,6,transport of goods by rail,5,travel agent tds,1,tribunal,1,trp,1,tuition fees,7,tuition fees children,2,TURNOVER MEANING 44AB,8,two challan in same month,1,uan,12,ubislate,1,UDYAM PORTAL,1,UGC PAY SCALES,1,uid,10,uidai,5,ulip,29,ULIP AFTER BUDGET,5,ulp,2,unclaimed deposits,5,undeliverd refund status,1,undelivered refund status,4,uniform allowance,2,union budget 2010,1,union budget 2011,2,union budget 2012,5,union budget 2012-13,29,unique identity number,5,unique tds certificate number,2,Unique trasaction number,3,unit linked insurance plan,6,UNIVERSAL ACCOUNT NUMBER,3,universal life plans,1,unsecured non convertible debentures,4,up election,3,UP VAT,2,UPI,1,USA,1,use of tally,1,uti pan card,3,UTN,5,V S Vadivel FCA ACS,1,vacant house,1,valuation of motor car,5,valuation of perquisites,16,valuation of perquisities,11,valuation of rent free house accommodation,5,valuation of works contract 01.07.2012,11,VALUE ADDED TAX,5,VAT,8,vat 11 digit detail,2,VAT ACT,3,VAT AND SERVICE TAX ON SOFTWARE,2,VAT DEFULTERS,1,VAT FORMS,2,VAT LATEST RULES,3,VAT MEANING,1,VAT NUMBER PUNJAB,1,vat on petrol,3,vat rate 4 to 5 %,1,vat rate changes punjab,3,VAT RATES,2,VAT RULES,1,VAT SCHEDULE,1,VAT TDS ON WORK CONTRACT,4,VAT UP AT A GLANCE,1,VCES,7,verified by Visa,3,VERIFY EXCISE CODE,1,verify pan,2,VERIFY SERVICE TAX CODE,7,VERIFY YOUR SERVICE TAX DEPOSIT,1,video,14,VIEW 26AS,7,VIEW YOUR TAX CREDIT,6,view your taxes online,5,Visa,4,VISHAL-REHEJA,1,vodafone,2,WAGES,3,ward circle,2,wealth tax,8,WEBCAST OF BUDGET 2011 ON COMPUTER,2,weighted scientific research deduction,2,what do u mean by micr,2,what does 10 digits of pan card indicates,1,what does each letter in pan number indicate,1,WHAT IS CHEAPER,1,what is company code 0020,1,WHAT IS DEARER,1,what is micr code,2,what is neft,5,what is PAN,1,WHAT IS STC,3,what is the meaning of rtgs,3,whatsapp,1,WHEAT AND PADDY,1,white paper,1,who can file sahaj.,10,who can sign income tax return,2,who can use itr-2,4,WIFE'S POLICY PREMIUM,2,wifes name,2,WILL,5,window dressing,1,without consideration,1,work contract service tax,16,working capital,1,Workmens Compensation Act,3,WORKS CONTRACT,3,wrong accounting code in service tax,1,wrong assessment year in challan,4,wrong head on challan,2,wrong name error in e filing registration,7,WRONG NAME IN ETDS RETURN,2,wrong pan on challan,2,wrong pan while deposit,1,wrong section on challan,3,www.satyamevjayate.in,1,xbrl,5,XLSX,2,ynitya income tax calculator,22,YouTube,1,
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SIMPLE TAX INDIA: RTGS-NEFT MEANING CHARGES TIMING LIMIT ADVANTAGES PROCESS
RTGS-NEFT MEANING CHARGES TIMING LIMIT ADVANTAGES PROCESS
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