I don't think you are drawing the right parallels here. RTGS is only meant for transactions where sums to be transferred are very large. It only accounts for 0.

I don't think you are drawing the right parallels here. RTGS is only meant for transactions where sums to be transferred are very large. It only accounts for 0.24% of all transactions. While UPI and IMPS guarantee instant payments and account for 57.27% of all transactions.