RTGS was launched in 2004.
NEFT was launched in 2005.
IMPS was launched in 2010.
UPI came up in 2016.
Each product was a technological leap and a marvel - when it was launched - considering the user base, available optopns n costs involved n times saved. The use of net banking, and mobile phone banking also had a great impact on these.
COMPARING them is illogical n meaningless.
Choosing one over the other is - more often than not - also dependant on many factors - holidays, time, mode of trxn, place n devices used.