NEFT, RTGS and IMPS are payment methods just like chequeu but they work electronically. For IMPS you must use Net banking or app banking from your bank. For NEFT, RTGS you can do via netbanking, but you can do it from bank branch also. Visit your bank's barnch and ask them you need to do NEFT. You will need to have one cheque with you which will be used as debit note from your account. You will need receiver's bank account details like name, account number, IFSC code, account type etc.

All banks have these facilty as they are part of core banking. Only some scheduled co operative banks does not have this faciltiy.

Thanks
Mahin
Zebpay