Graahakon Ke Liye Banking Sector Se Teen Achhi Khabar

Business »

Graahakon Ke Liye Banking Sector Se Teen Achhi Khabar

Nai Delhi graahakon ke liye paison ke len-den se judi teen achhi khabarein hain. Jahaan ab aap bank se liya gaya loan samay se pehle bina kisi penalty ke chukta kar sakeinge, to vaheen desh ko aaj pehla svadeshi card pemeint system milega. Isse pehle RBI ne inektiv bank khaaton mein minimm amaaunt na rakhane par bhi jurmaana naheen lagaane ka nirdesh diya tha. Khushakhabari number 1: Samay se pehle loan chukaane par naheen lagegi penalty ab aap bank se liya gaya loan samay se pehle chuka sakte hain ya doosare bank mein shift kar sakte hain. Reserve bank of India ne bankon se kaha hai ki loan samay se pehle band karne mein koi penalty naheen lagegi. Reserve bank ne pichhle maheene bankon ko penalty maafi par vichaar karne ki salaah di thi. Budhvaar ko reserve bank ne notification ke jariye ise bankon ke liye jaroori bana diya. Aam graahak ko laabh: Yeh aadesh floting byaaj dar par loan lene vaale har shakhs par laagoo hoga, chaahe usane loan gaadi ke liye liya ho ya parsanal loan liya ho. Kaurporet loan ke liye penalty maafi par bankon mein chinta thi, so unke liye niyam naheen badle. Kya faayda hogaa: Loan ke maujooda aur nae graahakon ke beech byaaj daron mein bhedabhaav khatm hoga. Penalty na hone par kastamar kam byaaj dar vaale bank mein loan shift kara sakeinge. Bankon mein graahak lubhaane ki hod se byaaj darein ghateingi. Maujooda sistam: Penalty bakaaya loan ka 2 pratishat tak hoti thi. Do saal pehle reserve bank ne floting byaaj dar vaale hom loan par penalty khatm kar di thi. Hom loan mein penalty khatm karne ke baavajood pepar traansafar karaane ki prakriya mein pecheedepan ke kaaran graahak loan shifting ko tedhi kheer maanate hain. Khushakhabari number 2: Ab apna card pemeint system desh ko aaj pehla svadeshi card pemeint system milega. Raashtrapati pranav mukharji desh mein viksit 'Roo-pe' card pemeint network ko aaj desh ko samarpit kareinge. Iska matlab hai ki ab bank teji ke saath kastamars ko visa aur master card naheen, balki roo-pe card jaari kareinge. 'Ru-pe' card desh ke sabhi (1.60 lakh se bhi jyaada) ATM, 9.45 lakh se bhi jyaada peeoes terminal aur adhiktar E-Commerce terminalon mein sveekaar kiye jaaenge. Isse visa aur maastarakaard jaise intaranaishanal card par nirbharata khatm hogi. Transaction ki laagat ghategi. Card ke maayane: Maujooda samay mein ATM se cash nikaalne aur shauping karne ke liye visa aur master card ka hi istemaal kiya jaata hai. Yeh daraasal intaranaishanal network se juda hua hai. Iska istemaal karne ke liye bankon ko shulk bhi dena padta hai. Magar roo-pe card ke market mein aane se yeh desi taur par naishanal card network hoga. Isko sarkaar aur bank milkar divelap kareinge. Aiese mein poore desh mein card ka aisa network fail jaaega, jo poore taur par desi hoga. Filhaal debit kaard: Kuchh bankon ne roo-pe debit card market mein launch karna shuroo kar diya hai. Bank of Baroda sahit kuchh aur bankon ne ise launch karna shuroo kiya hai. Is card ke jariye desh ke kareeb 1.65 lakh eteem se cash nikaala ja sakta hai. Desh ke kareeb 9 lakh point of se terminal mein iska istemaal kiya ja sakta hai. Kooparetiv bank aur reejanal rooral bainks (aaraaarabi) ne teji ke saath roo-pe card jaari karna shuroo kar diya hai taaki graameen aur kisaan isko sahajata se istemaal kar sakein. Kya hoga faayadaa: Apna card network viksit hone se bankon ke laagat kharch mein kami aaegi. Aise mein ve graahakon se ATM samet anya networking seva kam shulkon par upalabdh karaaenge. Deshi network hone se anya bankon ke ATM se cash nikaalne ki chhoot bhi badh sakti hai. Iske saath Ru-pe card banaane mein jyaada aasaani hogi aur bankon ka network gaanvon aur graameenon tak pahunchega. Filhaal videshon mein istemaal naheen roo-pe card ka istamaal desh mein hi kiya ja sakega. Isko videshon mein istemaal naheen kiya ja sakega. Banking sector ke eksapart susheel Agrawal ka kehna hai isko intaranaishanal network ka hissa banaane ke liye kaafi takaneeki aupachaarikta poori karni hogi. Intaranaishanal bank ko isko maanyata deni hogi. Seva ko intaranaishanal leval par khara utarana hoga. Kaise karega kaam: Pin number ke saath hi iska istemaal kiya ja sakta hai. Ismein bhi ATM se cash nikaalne ki seema 25,000 hajaar rupaye rakhi gayi hai. Peeosi mein kharch ki seema 50,000 rupaye rojaana ki hogi. Suraksha ke naam par ismein ve sabhi feature hai, jo visa aur master card ke hain. Aise mein iske gum ho jaane par iske durupayog ki koi aashanka naheen hai. Aage bhi honge faayade: Aane vaale samay mein roo-pe card ke kai roop saamane aa sakte hain. Roo-pe kredit card bhi jald launch kiya jaaega. Railway tikt booking ke liye aaiaaraseeteesi jald hi pre-ped roo-pe kredit card launch karne ja rahi hai. Saal 2020 tak roo-pe card desh mein visa aur master card ki jagah sakte hain. Khushakhabari number 3: Inektiv bank khaaton mein minimm amaaunt na rakhane par bhi jurmaana naheen reserve bank ne upabhokta sanrakshan pahal ke tahat bankon se un graahakon par jurmaana naheen lagaane ko kaha hai jo apne inektiv khaate mein nyoonatam raashi naheen rakhate hain. Reserve bank ne adhisoochana mein kaha, 'Bankon ko yeh salaah di jaati hai ki ve kisi nishkriya khaate mein nyoonatam raashi naheen rakhane par jurmaana naheen lagaaen. ' bhaarateeya state bank samet kai bank nishkriya khaaton mein nyoonatam raashi naheen hone par koi shulk naheen lagaate hain. Keindreeya bank ne 2012 mein bankon ko nirdesh diya tha ki ve nishkriya pade mool bachat bank jama khaaton ko chaaloo karne ke liye graahakon se koi shulk naheen le. Parichaalan vaale bank khaaton ke maamale mein ICICI bank aur HDFC bank shahari kshetron mein nyoonatam ausat timaahi raashi 10,000 rupaye aur arddhashahari ilaakon mein 5,000 rupaye naheen rakhane par 750 rupaye prati timaahi shulk vasoolate hain.

Graahakon Ke Liye Banking Sector Se Teen Achhi Khabar http://www.angrejinews.com/pic/49930