Digital Services
NEFT, RTGS, IMPS, UPI & FASTag — Complete Guide
India Stack powers the digital payment ecosystem. NPCI manages UPI, IMPS, RuPay, FASTag, and NACH. RBI manages NEFT and RTGS. All UPI P2P transactions are free. India is the global leader in real-time payments with 100+ billion UPI transactions annually.
Download BHIM or bank UPI app. Link bank account and set UPI PIN for instant free transfers.
NEFT: free, processes in batches. RTGS: same-day, for amounts above ₹2 lakh.
Buy FASTag at bank, Amazon, or toll plaza. Link to bank for automatic toll deduction.
Set up NACH mandate for EMI, insurance premium, and utility bill auto-payment.
RuPay is India's domestic card network. Works at all ATMs and POS. Lower merchant fees.
UPI: Instant, free, mobile-based. NEFT: Free, batch processing, for any amount. RTGS: Same-day, ₹2 lakh+, for large transfers.
Yes, FASTag is mandatory for all 4-wheeler vehicles since 2021. Vehicles without FASTag pay double toll.
NACH (National Automated Clearing House) is for recurring payments like EMI, insurance. Authorized once, auto-debits each month.
UPI P2P: Free. NEFT: Free. RTGS: ₹5–₹50. FASTag: ₹100–₹200 one-time + security deposit.
NPCI: 1800-120-1740 | RBI: 14448