8 Feb 2013

Banking terms in bank interviews

IFSC - Indian Financial System Code
11-character code with the first 4 alphabetic characters representing the bank, and the last 6 characters (usually numeric, but can be alphabetic) representing the branch. The 5th character is 0 (zero). IFSC is used by the NEFT & RTGS systems.
NEFT - National Electronic Funds Transfer system
There is no limit – either minimum or maximum – on the amount of funds that could be transferred using NEFT.

RTGS - Real Time Gross Settlement. Minimum amount to be remitted through RTGS is  2 lakh. There is no upper limit for RTGS transactions.
MICR - Magnetic Ink Character Recognition.


NPA -Non Performing Asset.
BPLR- Benchmark Prime Lending Rate.
CTS -Cheque Truncation System.

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