The correct answer is IMPS(Immediate Payment Service). IMPS:Immediate Payment Service(IMPS) is an instant payment inter-bank electronic funds transfer system in India. IMPS offers an inter-bank electronic fund transfer service through mobile phones. The service is available 24x7 throughout the year including bank holidays. Additional InformationNEFT:National Electronic Fund Transfer (NEFT) is a nationwide payments system that allows the transfer of funds from one banks account to another. With an increased focus on online banking, NEFT has become one of the most popular ways of transferring funds. Since it can electronically transfer funds from any bank branch to any individual, it has eliminated the need to visit a bank branch for the transfer of funds. NEFT was also made available 24x7 from December 2019. RTGS:The term real-time gross settlement (RTGS) refers to a funds transfer system that allows for the instantaneous transfer of money and/or securities. RTGS is the continuous process of settling payments on an individual order basis without netting debits with credits across the books of a central bank. Once completed, real-time gross settlement payments are final and irrevocable. The minimum amount you can transfer via RTGS is Rs. 2 lakh. Customers can perform RTGS transactions from 7 a. m. to 6 p. m. Inter-bank transactions can be performed from 7 a. m. to 7:45 p. m.