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“,” he explained. “It’s a system where funds are transferred from one bank to another instantly and one-on-one . No waiting. No netting. The moment we send it, the receiving bank gets the ‘gross’ amount in real time.”

Maya’s phone buzzed at 7:45 AM. It was her lawyer. rtgs union bank

She rushed to her local Union Bank branch. The manager, Mr. Sharma, saw her distress. “,” he explained