Ab Jeero Bailans Bank Account Vaale Bhi Kaat Sakeinge Check

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Ab Jeero Bailans Bank Account Vaale Bhi Kaat Sakeinge Check

Nai Delhi$ Bank ab apne jeero bailans vaale khaataadhaarakon ko bhi chekabuk evam anya vah suvidhaaen de sakeinge jo ek regyular sevings account vaale graahakon ko dete hain. Reserve bank ne iski anumati de di. Daraasal, desh mein nakadi lenaden kam karne ke liye kai tarah ke kadam uthaae ja rahe hain. Isi ke tahat, RBI ne haal hi mein aarateejeees aur enaiefati ke jariye fund transfer ko ni: Shulk kar diya hai. Baharahaal, aaie 10 paaints mein samajhte hain ki bankon ko RBI se mili nai anumati se kya badalne wala hai. . . Ise bhi padhein: Ab shaam 6 baje tak RTGS se bhej paaenge paise$ 1. Pehle to yeh samajhna jaroori hai ki jeero bailans vaale account ko hi banking ki bhaasha mein praathamik bachat bank jama khaata yaani besik sevings bank dipaujit (beeesabeedi) account kaha jaata hai. Ise hi no-frils account bhi kehte hain. 2. Beeesabeedi account khulavaane par graahakon ko har maheene nishchit nyoonatam raashi rakhane ki baadhyata naheen hoti hai. 3. Aise account par kuchh nyoonatam suvidhaaen muft mein di jaati hain. Masalan, jeero account vaale khaataadhaarak maheene mein chaar baar paise nikaal sakte hain, bank ki shaakha mein paise jama kara sakte hain. Yaani, maheene paise nikaalne aur jama karne, donon suvidhaaon ka istemaal kul milaakar chaar baar hi kar sakte hain. 4. Jeero-bailans akaaunts vaale ko bhi ATM card ya debit card jaari kiya jaata hai. Lekin, unhein chekabuk jaari naheen kiya jaata. 5. RBI ne bankon ke liye apne jeero bailans account holdars ko sevings account holdars jitni suvidhaaen dena anivaarya naheen kiya hai, balki unhein anumati di hai. Iska matlab hai ki bank agar chaahein to nae niyam ke tahat jeero bailans vaale khaataadhaarakon ko chekabuk jaisi suvidhaaen de sakte hain. Saath hi, vah maheene mein chaar baar jama aur nikaasi ki seema khatm kar sakte hain aur jeero bailans account vaalon ko bhi jitni baar chaahe paise jama karaane ya nikaalne ki anumati de sakte hain. Lekin, iske liye koi fees naheen lagaai ja sakti hai. 6. Jo bank apne jeero baileins vaale khaataadhaarakon ko bachat khaata dhaarakon jaisi suvidhaaen ab bhi naheen deinge, un par koi kaarravaai naheen hogi. Dhyaan rahe ki RBI ne bankon ko aisa karne ke liye baadhya naheen kiya hai, balki aisa karne ki anumati di hai. Yaani, bank ki marji vah apne jeero bailans vaale khaataadhaarakon ko ye suvidhaaen de ya naheen. 7. RBI ne apne nirdesh mein spasht kiya hai ki aisa karne vaale bank jeero bailans account vaale khaataadhaarakon se nyoonatam raashi meinten karne ko naheen kah sakte. Saath hi, vah khaata nai suvidhaaon ke saath bhi beeesabeedi account hi rahega, na ki vah sevings account ban jaaega. 8. Niyamit bachat khaata (regyular sevings account) khulavaane par aapko har maheene ek nishchit nyoonatam rakam khaate mein rakhana hota hai. 9. Agar yeh nishchit nyoonatam rakam 1,000 rupaye hai to bank iski ganana is prakaar karta hai. 1,000 rupaye × us maheene ke dinon ki sankhya. Yaani, June maheene ke liye nyoonatam raashi ka matlab hai 1,000 × 30 = 30,000 rupaye. Ab aap chaahein to 1,000 rupaye apne bank account mein chhod kar minimm baileins ki yeh shart poori kar dein. Lekin, maan leejiye ki June maheene mein paanch din tak aapka khaata bilkul khaali tha. Yaani, usamein koi rakam naheen thi aur baaki 25 din tak 1,000 rupaye khaate mein pade rahe to aapka minimm baileins 25,000 rupaye hi raha jo 30,000 rupaye hona chaahiye tha. Matlab niyam ke mutaabik, minimm baileins se 5,000 rupaye kam. Aisi soorat mein bank is 5,000 rupaye ki kami par aapse jurmaana vasool karega. Haalaanki, agar aapke khaate mein 29 dinon tak koi rakam naheen ho, lekin 30vein din poore 30,000 rupaye jama kara diye to fir aapko koi penalty naheen deni hogi kyonki poore maheene ke liye nishchit nyoonatam rakam 30,000 rupaye hone ki shart poori ho jaati hai. 10. Bank niyamit bachat khaataadhaarakon ke liye minimm baileins ki shart rakhane ke alaava chekabuk jaari karne jaisi suvidhaaen ke badle unase fees bhi lete hain. RBI ne desh mein aarateejeees aur enaiefati ke jariye kiye jaane vaale traanjaikshans ko free kar diya hai. Jaanein, kin kaaranon se keindreeya bank ne yeh kadam uthaaya. Bhaarateeya reserve bank ne aarateejeees (real time graus setalameint system) aur enaiefati (naishanal electronic fands transfer) se hone vaale fund transfer par lagne vaale shulk ko khatm kar diya hai aur bankon se iska faayda graahakon tak pahunchaane ko kaha hai. Aarateejeees ka istemaal badi rakam transfer karne ke liye kiya jaata hai. Aarateejeees ke tahat kam se kam 2 lakh rupaye ki rakam transfer ki ja sakti hai, jabki iski koi oopari seema naheen hai. Vaheen, enaiefati ke jariye do lakh rupaye tak ki rakam ka transfer kiya jaata hai aur yeh saamaanya taur par ek din mein ho jaata hai. Digital pemeint ko badhaava dene ke liye RBI dvaara niyukt nandan neelekani ki adhyakshata waali committee ne apni report mein kaha tha ki agar bankon ko digital pemeint ko badhaava dena hai to use apne graahakon aur chhote dukaanadaaron ke digital traanjaikshans par shulk ko hata dena chaahiye. Report mein is baat ka bhi jikr kiya gaya tha ki beete chaar varshon mein enaiefati traanjaikshans ke vaulyoom mein 26% seeejeeaar se vruddhi darj ki gayi hai. Traanjaikshans ki sankhya haalaanki kam hai, lekin traanjaikshans ka saaij bada hai. Pichhle paanch varshon mein enaiefati traanjaikshans ka ausat saaij 60,000 rupaye se ek lakh rupaye ke beech raha hai. Ek adhisoochana mein keindreeya bank ne kaha tha ki aarateejeees tatha enaiefati ke jariye traanjaikshans par bankon se nyoonatam shulk vasoolata hai. Iseeliye bank apne graahakon se shulk vasoolata hai. RBI ne adhisoochana mein kaha hai ki bankon ko iska faayda apne graahakon tak pahunchaana hoga aur is sambandh mein nirdesh ek saptaah ke bheetar jaari kar diya jaaega. RBI ne ATM chaarj ki sameeksha karne ke liye Indian bank association (aaibeee) ki adhyakshata mein ek samiti ka gathan kiya hai, jismein sabhi pakshon ko shaamil kiya gaya hai. Logon dvaara ATM ka istemaal badh raha hai. ATM chaarjej aur fees mein badlaav laane ki lagaataar maang ho rahi hai. ATM ke istemaal ke liye lagne vaale shulk mein badlaav kar iski sankhya aur badhaai ja sakti hai. RBI ne kaha hai ki committee apni pehli baithak ke do maheene ke bheetar apni sifaarishein saunp sakti hai. Committee ki sanrachana aur iski seemaaon ke baare mein jaankaari ek saptaah ke bheetar jaari kar di jaaegi. RBI ne guruvaar ko reepo rate ko 0.25% ghataakar 5.75% kar diya hai. Saal 2019 mein rate mein yeh lagaataar teesari katauti hai aur nau saal ka sabse nichla star hai. If($(). Rkslider){ $('#phototabslide_69703342'). 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