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RTGS is for real time settlement process. While NEFT done in Banking transaction Batches. RTGS stands for Real Time Gross settlement. NEFT stands for NationalBusiness Banking Forms Download: Visit us to download the Axis Bank Business Banking related form and documents online. (NECS); (iv) National Electronic Fund Transfer (NEFT); (v) Real Time Gross Settlement System (RTGS); (vi). Immediate Payment Service (IMPS) or any other Access various forms of online money transfer with the help of Axis Bank features- NEFT, RTGS, IMPS, Instant Money Transfer, IFSC, ECS at your fingertips.