Raast Kya Hai Aur Muft Paise Kaise Bhejein

Do you pay fees every time you send money to another bank? Many people in Pakistan do. But there is a free and fast way. In this guide, we explain Raast Kya Hai Aur Muft Paise Kaise Bhejein in very simple words. You will learn what Raast is, how to make your Raast ID, and how to send money without any charges. We also share limits, safety tips, and how Raast can help in property payments.

Easypaisa aur Jazzcash mein Farq

Raast Kya Hai?

Raast Pakistan ka pehla instant payment system hai. Isay State Bank of Pakistan (SBP) ne banaya hai. Iska matlab hai ke aap ek bank se doosre bank mein paisa foran, yaani kuch hi seconds mein, bhej sakte hain.

SBP ke mutabiq Raast P2P (Person-to-Person) service 2022 mein shuru hui. Is mein aap kisi ko uske IBAN ya Raast ID se paisa bhej sakte hain. Is ka sab se bara faida ye hai ke Raast par koi charges nahi hote.

Asaan misal: Pehle doosre bank mein paisa bhejne ke liye lamba account number yaad rakhna parta tha. Ab Raast ID ki wajah se sirf mobile number kaafi hai.

Raast ID Kya Hoti Hai?

Raast ID aap ka mobile number hota hai jo aap ke bank account se link hota hai. Jab aap ye link kar lete hain to koi bhi aap ko sirf aap ka mobile number daal kar paisa bhej sakta hai. Is ke liye account number ya IBAN ki zaroorat nahi parti.

SBP ke qawaid ke mutabiq:

• Ek customer ki sirf ek Raast ID ho sakti hai.
• Ek Raast ID par sirf ek account link hota hai.
• Aap ka bank turant mobile number ko Raast ID bana deta hai.

Ek zaroori baat ye hai ke paisa bhejne ke liye aap ko apni Raast ID banana zaroori nahi. Aap kisi ki Raast ID ya IBAN par bina registration ke bhi paisa bhej sakte hain. Lekin paisa wasool karne ke liye ID banana asaan aur faida mand hai.

Raast Kyun Zaroori Hai? Raast Ke Faide

1. Muft transfer: SBP ke hukm ke mutabiq Raast P2P par koi service charge nahi hota.
2. Foran paisa: Paisa chand seconds mein doosre account mein pahunch jata hai.
3. 24/7 service: Raat ho ya chhutti ka din, ye service chalti rehti hai.
4. Mobile number se payment: Lamba IBAN yaad nahi rakhna parta.
5. Mehfooz system: Ye SBP ka apna system hai aur bank ki app ke zariye authenticate hota hai.
6. Koi minimum limit nahi: Aap chhoti si raqam bhi bhej sakte hain.

Raast Aur IBFT Mein Farq

Bohat se log Raast aur IBFT (Interbank Funds Transfer) ko ek hi cheez samajhte hain. Dono bank to bank transfer hain, magar farq ye hai:

Ek report ke mutabiq kai banks IBFT mein mahine ka ek free quota dete hain aur uske baad fee lagati hain. Raast mein ye masla nahi hota. Is liye agar aap ki app dono option de, to Raast chunein.

Raast Se Muft Paise Kaise Bhejein? Step By Step

Har bank ki app thori mukhtalif hoti hai, lekin tareeqa lagbhag ek jaisa hota hai.

Step 1: Apne Bank Ki Mobile App Kholein

Apne bank ki official app mein login karein. Agar aap ke bank ne Raast ki sahuliyat di hai to “Raast” ya “Fund Transfer” ka option nazar aayega.

Step 2: Raast Ka Option Chunein

“Send Money” ya “Transfer” mein jaa kar Raast select karein. Kuch apps mein IBFT aur Raast dono hote hain, to Raast par tick karein.

Step 3: Receiver Ki Detail Daalein

Aap ye mein se koi ek daal sakte hain:

• Receiver ka Raast ID (mobile number)
• Ya receiver ka IBAN

Step 4: Naam Check Karein

Raast mein aksar receiver ka naam screen par aa jata hai. Is ko ghor se dekhein taa ke galat account mein paisa na jaye.

Step 5: Raqam Likhein Aur Confirm Karein

Raqam daal kar PIN, OTP ya fingerprint se confirm karein. Chand seconds mein paisa chala jayega.

Step 6: Receipt Mehfooz Karein

Receipt ka screenshot rakhein. Property ya kiraye ki payment mein ye bohat zaroori saboot hota hai.

Apni Raast ID Kaise Banayein?

1. Apne bank ki mobile app, internet banking ya branch mein jayein. Kuch banks mein USSD ka option bhi hota hai.
2. Raast ID ka option kholein.
3. Apna mobile number confirm karein.
4. Bank ek OTP ya authentication bhejega.
5. Confirm karte hi aap ka mobile number aap ki Raast ID ban jata hai.

Ab doosre log sirf aap ka mobile number aur bank ka naam ya Raast option use kar ke paisa bhej sakte hain.

Dhyan rakhein: Agar aap ka mobile number badal jaye ya bank account badalna ho, to purani Raast ID ko de-link karke nayi link kar lein.

Raast Ki Limit Kitni Hai?

SBP ke mutabiq banks apni limit khud tay karte hain, lekin ek Raast transaction ki limit Rs 200,000 se kam nahi honi chahiye. Aksar reports ke mutabiq kuch particular account types par SBP ki di hui limits ki wajah se limit is se kam bhi ho sakti hai.

SBP ne ye bhi kaha hai ke Raast ki kul limit IBFT ki limit se kam nahi hogi. Aap ki daily limit aap ki bank app mein dikhai jati hai.

Agar transfer fail ho jaye to:

1. Apni app mein daily limit check karein.
2. Limit badhane ka option dekhein.
3. Raqam ko kuch hisson mein na bhejein jab tak zaroorat na ho. Bari raqam ke liye bank se rabta karein.

Kya Easypaisa Aur JazzCash Se Bhi Raast Use Ho Sakta Hai?

Raast ka mukhya system bank accounts aur SBP ke licenced institutions ke liye hai. Kai wallets aur microfinance banks ne bhi Raast ko apni apps mein shamil karna shuru kiya hai. Is liye apni wallet app mein “Raast” ka option dekhein. Agar aap ke wallet mein ye option nahi hai to aap bank app se Raast use kar sakte hain.

Agar aap wallets ke baare mein jaanna chahte hain to hamara guide “Easypaisa Aur JazzCash Mein Farq” parhein.

Property Aur Real Estate Mein Raast Ka Kya Faida Hai?

Property walon ke liye Raast bohat kaam ki cheez hai:

• Kiraya: Har mahine kiraya muft aur foran bhejein.
• Token money: Token ki raqam ek app se doosre bank mein mehfooz tareeqe se bhej sakte hain.
• Society charges aur maintenance: Banks aur societies ko chhoti payments par fee nahi deni parti.
• Agent ya dealer ko payment: Raast se kiya gaya transfer ka record bank app mein mojood hota hai.
• Foran saboot: Receipt aur transaction ID bohat kaam aati hai.

Khaas mashwara: Bari property payment karne se pehle seller ya dealer ka naam, CNIC aur account ki detail ghor se check karein. Sirf mobile number dekh kar paisa na bhejein.

Raast Se Paisa Bhejte Waqt Fraud Se Kaise Bachein?

1. Receiver ka naam check karein. Agar naam mel na khaye to rukk jayein.
2. Kisi ko OTP ya PIN na batayein. Bank kabhi aap se ye nahi maangta.
3. Anjaan link par click na karein. Jhoote SMS aur WhatsApp messages se hoshiyar rahein.
4. Pehle chhoti raqam bhej kar test karein jab aap pehli baar kisi naye shakhs ko paisa bhej rahe hon.
5. Galat account mein paisa chala jaye to foran apne bank ki helpline ko call karein.
6. Official app hi use karein. Kisi aur ki di hui app ya link se payment na karein.

Aam Ghaltiyan Jo Log Raast Mein Karte Hain

• Galat mobile number ya Raast ID daalna
• Naam check kiye baghair payment karna
• Daily limit dekhe baghair bari payment shuru karna
• Receipt save na karna
• Paisa bhejne ke baad receiver ko khabar na dena

Frequently Asked Questions (FAQs)

1. What is Raast in simple words?
Raast is Pakistan’s instant payment system made by the State Bank of Pakistan. It helps you send money to any bank account in seconds, and it is free for normal person-to-person transfers.

2. Is Raast really free?
Yes. According to the State Bank of Pakistan, Raast person-to-person transfers have no charges. Some other services, like IBFT, may have fees, so always choose the Raast option in your app.

3. Do I need a Raast ID to send money?
No. You can send money using the receiver’s Raast ID or IBAN without making your own Raast ID. But you need a Raast ID if you want people to send you money using only your mobile number.

4. What is the Raast transfer limit?
Banks set their own limits, but one Raast transaction limit should not be less than Rs 200,000. Some account types may have lower limits. Check your bank app for your daily limit.

5. Can I send money to a different bank with Raast?
Yes. Raast works between banks that support it. You can send money from one bank app to another bank account very quickly.

6. Is Raast safe for property payments?
Yes, it is safe if you check the receiver’s name and details. For big property deals, always verify the seller and keep the receipt as proof.

Conclusion

Now you know Raast Kya Hai Aur Muft Paise Kaise Bhejein. Raast is a fast, free, and simple way to send money in Pakistan. You only need your bank app, the receiver’s Raast ID or IBAN, and a few seconds. Make your own Raast ID so others can pay you easily. Always check the receiver’s name, never share your OTP or PIN, and save every receipt. If your bank app shows both IBFT and Raast, choose Raast and save your money.

Disclaimer: Ye article sirf maloomat ke liye hai. Limits, features aur banks ki sahuliyat badalti rehti hain. Taza maloomat ke liye apne bank ya SBP ki official website check karein. Ye maali mashwara nahi hai.