Using Internet Banking Portals

• Log in to your bank’s official internet banking website.
• Navigate to the “Fund Transfer” or “Payments” section.
• Choose the transfer mode: NEFT, RTGS, IMPS, or internal transfer.
• Add the beneficiary by entering their account number and IFSC code.
• Enter the amount, select your account, and confirm using OTP or password.

Using Mobile Banking Apps

• Open the bank’s mobile banking app and sign in securely.
• Tap on “Transfer Funds” or “Send Money” option.
• Select the recipient or add a new payee if needed.
• Choose the payment method and input transfer details.
• Confirm with transaction PIN, biometric, or OTP.

Via UPI (Unified Payments Interface)

• Use UPI-enabled apps like BHIM, Google Pay, PhonePe, or Paytm.
• Link your savings account to the app using mobile number and debit card.
• Select or enter the UPI ID or mobile number of the recipient.
• Enter the transfer amount and authenticate with UPI PIN.
• Money is sent instantly and confirmation is received in seconds.

Through Bank’s Missed Call or SMS Services

• Some banks offer SMS-based fund transfer for registered users.
• Use a specific SMS format to send money to saved beneficiaries.
• Limited to small value transactions and pre-registered accounts.
• Requires prior activation and linking of mobile banking profile.
• Works even without internet connectivity in some banks.

Important Notes for Online Transfers

• Ensure the recipient’s details are accurate to avoid failed transfers.
• Each method has daily limits and service timings, especially NEFT and RTGS.
• Charges may apply depending on the bank and mode selected.
• Keep a record or screenshot of the transaction for reference.
• Always log out securely after completing the transfer.