RTGS and NEFT are related to funds transfer over the internet using your internet banking.These are the methods through which the online transaction takes place.RTGS Real Time Gross Settlement ( Minimum Amt Rs 1 lakh)
NEFT National Electronic Funds Transfer (Any amt)IFSC is Indian Financial System Code. This is eleven digit alphanumeric code and unique to each branch of bank. First four tells about name of bank and remaining seven tells about branch number. This code is given on the cheque book. It also required to transfer the money by NEFT or RTGS if you don’t know the address of branch.