Kaheen Baikon Mein Padi Yah Rakam Aapki To Naheen

Business » Sunday, March 31, 2013

Pichhle dinon RBI ne kaha ki is samay bankon ke paas niveshakon ke kareeb 25 arab rupaye aise hain jinka koi daavedaar naheen hai. Aisa hone ki do badi vajahein hain. Ek to logon ke account daurmeint ho jaate hain jinki vajah se ve apna paisa naheen nikaal paate, doosare log account mein naumineshan naheen karaate. Donon hi vajahon par vistaar se jaankaari day rahi hain jayati Goyal: Kya aap jaante hain ki yadi seving account se ek saal tak koi vidraul na kiya jaae to use inaaiktiv kar diya jaata hai. Aapka paisa hi aapke liye begaana ho sakta hai. Bankon ke niyamon ke anusaar inaaiktiv hone ke baad khaate mein jama paise ko nikaala naheen ja sakta haan aap paisa jama jaroor kara sakte hain. Agar do saal tak koi paisa nikla naheen gaya to account daurmeint kar diya jaata hai. Agar karant account hai to yah avadhi chhah maheene aur do saal hai. Yah alag-alag bank ke niyamon par nirbhar karta hai. Kuchh bankon mein iski avadhi jyaada hai aur kuchh bank mein kam. Iske saath hi agar 10 saalon tak koi apna account aiktiv naheen rakhata hai to usaka paisa bank ke kabje mein aa jaata hai. Kaise karaaen khaata dobaara aiktivet 1. Bank mein jaakar branch manager se mil kar dobaara aiktiv kara sakte hain . Adhiktar bank chaahate hain aap khud jaakar apna parichay dein , aapko apne ek aaideintiti proof aur rejideins proof ke saath bank ki us branch mein jaana hoga, jahaan aapka account hai. 2. Aaideintiti proof aur dastakhat verifaai karke bank adhikaari turant aapka account aiktiv kar deinge aur aap kuchh samay mein hi usase paisa nikaal sakeinge. 3. Account daurmeint ho chuka hai to branch manager pehle tahakeekaat kareinge ki aap ka hi account hai ya naheen iske liye alag-alag bank alag-alag tareeka apnaate hain. Kai bank mauke par hi aaidi proof dekhkar account aiktiv kar dete hain, lekin kai bank kastamar se aaidi proof ki fotokaupi ke saath ek aiplikeshan lete hain. Bank uske pate par rajistard post se letar bhejata hai. Kastamar us letar ko lekar bank aata hai, jisse bank yah jaan leta hai ki yah vahi vyakti hai jiska account hai aur usi pate par rahata hai. Iske baad account ektiv kar diya jaata hai. 4 -ise ektiv karne ke liye bank koi chaarjej naheen lete. Yadi koi bank aapse chaarjej leta hai to aap iski shikaayat bankingombudsman (prashaasanik shikaayat jaanch adhikaari) se kar sakte hain. Naumineshan hai jaroori maana ja raha hai ki bankon ke paas padi is anaklemd rakam jyaadaatar hissa aise khaataadhaarakon ka hai jinki mrutyu ho gayi hai. Aise logon ne naumini banaane ki suvidha ka laabh naheen uthaaya hoga ya ve naumini banaane ka kaam taalate rahe honge ya unhein is suvidha ke baare mein jaankaari naheen rahi hogi. In khaataadhaarakon ke kaanooni vaarison ke liye to samasya hai hi saath hi bank ke liye bhi is bade fund ko sanbhaalana jhanjhat bana huaa hai. Aise mein behtar hai ki aap naumineshan suvidha ka faayda uthaaen. Naumini banaane ki prakriya chaahe singal ho ya jauint khaata aap naumineshan kara sakte hain. Iske liye form deee-1 bhara jaata hai jo sabhi tarah ke khaaton jaise bachat, raikaring dipaujit, fiksd dipaujit ya karant account ke liye laagoo hai. Aap khaata kholne ke samay bhi naumineshan form jama kar sakte hain ya baad mein bhi naumineshan ki prakriya ko poora kiya ja sakta hai. 1- naumineshan karna, use kainsal karavaana ya usamein badlaav, aap jitni baar chaahein sambandhit form bhar kar karva sakte hain. Aapko har baar usaka ekanolijmeint le lena chaahiye. 2. Naumini ke roop mein klem karte samay aapko death certificate bhi jama karna hota hai. 3. Naumineshan suvidha sirf indivijual ke liye upalabdh hai, yah paartanaraship farm, limited companiyon va traston ke liye laagoo naheen hai. Haalaanki yah karant account samet proparaaitaron dvaara sanchaalit sabhi prakaar ke khaaton ke liye upalabdh hai. 4. Kai baar aisa bhi hota hai, jab na to koi vaseeyat hoti hai aur na hi naumineshan. Aise maamalon mein bank account mein jama rakam par daava karne vaale vaarison ko death certificate ki sartifaaid kaupi ki jaroorat hoti hai. Death certificate aamtaur par aspataal ya shmashaan ghaat dvaara ishoo kiya jaata hai. 5. Saath hi ek aifidevit(shapath patra) bhi dena hoga, jismein marne vaale ke sabhi kaanooni uttaraadhikaariyon ka khulaasa hota hai aur unki sahamati li jaati hai.