Payment Bank Kya Hai Aur Kaise Kaam Karega Full Details in Hindi

Aap ne suna hoga ke Paytm Payment Bank banane ja raha hai, Ab ye Payment Bank kya hai, ye kaise kaam karega, payment bank or normal bank me kya difference hai, isame kya rules hai. aisi bahot sari information ko hum details se provide kar rahe hai.

Payment bank kya hai full details

Payment Bank kya hai

Payment Bank ka simple meaning hai kewal payment karne wali bank. isame aap paise deposit karke services le sakte hai, Aap isame Money transfer se Bill payment tak sare kaam kar sakte hai, Payment bank customer ke liye ek prepaid mobile number lene jaisa hai. Jisame aap money deposit kar ke wo sare kaam kar sakte hai jo aap ek normal bank mai karte hai.

Payment bank Digital India or cashless economy ki taraf Government ke dwara liya gaya ek batter step hai, Jisase dur dur ke small villages ko bhi banking services available ho sake. Payment bank me aap maximum 1lakh Rs. tak paise ko deposit kar sakte hai. Aapke deposit huve paise par normal bank se jyada interest bhi milega.

Payment bank me aapko ATM- Debit card, online banking, Mobile banking jaisi services milengi. Jisase aap kahi par bhi transaction kar sakte hai, Jaisa ki humane pehle hi bataya tha ki Payment bank ek normal bank se different hai aur isaka kaam karne ka tarika bhi alaga hoga Jo RBI ke guideline ke mutabik hoga. To ab jan lete hai ki Payment bank ke rules and regulation kya hai.

1. Payment bank customer ko Saving account or Current account ki service provide kar sakte hai.

2. RBI ke rule ke mutabik Payment bank ATM or Debit card issue kar sakte hai lekin Credit card ki service nahi provide kara sakte hai.

3. Payment bank me maximum 1,00,000 Rs tak deposit kar sakte hai jis par apko interest milega.

4. Payment bank kisibhi tarah ki loan or udhar nahi de sakte hai aur Fixed deposit nahi le sakte hai.

5. Payment bank apko Online banking or Mobile banking ki service RTGS/IMPS/NEFT ke through provide kar sakti hai. jisase aap easily cashless transaction kar payenge.

6. Payment bank NRI deposit accept nahi kar sakte hai.

7. Payment bank Mutual funds or Insurance product ka distribution kar sakte hai.

Reserve Bank of India ne payment bank ke liye 11 Company ko licences issue kar diye hai, Jo ab apni payment bank start kar sakte hai, jiski details is prakar hai.

  1. Aditya Birla Nuvo (Idea)
  2. Airtel M Commerce Services
  3. Cholamandalam Distribution Services
  4. Department of Posts
  5. FINO PayTech
  6. National Securities Depository
  7. Reliance Industries
  8. Sun Pharmaceuticals
  9. Paytm
  10. Tech Mahindra
  11. Vodafone M-Pesa

Payment bank ka objective hai ki desh ke lagbhag sabhi logo tak banking services ko provide karana hai aur usko jyada se jyada cashless or digital payment ki taraf badhana hai. India me ab tak sabse pehle Airtel ne apni Payment bank start kar di hai jisaka naam Airtel payment bank rakha gaya hai, Second me Paytm 15 January ko apna Paytm Payment bank chalu karne ja raha hai. ab hum isi payment bank ke bare me kuch basic introduction de rahe hai.

 

Airtel Payment Bank

India ki sabse badi private telecom company Airtel ne 12 January ko apna payment bank launch kar diya hai. Finance minister Mr.Arun Jetli ne isaki launching ki hai. Airtel payment bank me customer ko bahot sari new services provide hogi jo ab tak other bank nahi de rahi thi.

Airtel Payment bank ki basic information.

  1. Airtel payment bank me saving account me paisa deposit karne par 7.25 % interest milega.
  2. Isame airte to airtel or other bank me fund transfer karne par koi charge nahi lagega.
  3. Account se cash withdraw karne par 0.65% charge dena padega.
  4. Isame 1 lakh Rs. ka free accidental insurance cover milega.
  5. Isame aap Aadhar card se directly apna accoutn khol sakte hai,
  6. Isame apka Airtel ka Mobile number hi apka account number hoga.
  7. Isame first time deposit par utani hi amount ka free airtel to airtel talk-time milega, maximum 1000 minutes.

 

Paytm Payment Bank

Paytm 15 January ko apna Payment bank chalu karne ja raha hai. Jisame wo apne maujuda Paytm wallet ko Paytm bank me transfer kar raha hai. Jisame Paytm wallet ke maujuda customer automatically Paytm payment bank me transfer ho jayenge. Agar koi customer transfer nahi hona chahta hai to wo apna paisa Paytm wallet se apne bank account me transfer kar sakta hai aur apna account close kar sakta hai.

Paytm payment bank me apko Paytm wallet ki sari services upyog karne ke liye milegi aur isake alava apko isame bank ki services bhi use karne ke liye available hogi. Jaise ki saving account, Fund transfer, Online banking etc. Paytm apne Payment bank ki branches jaldi hi India ke bade cities me open karne ja rahi hai, Isame apko deposit kiye huve paiso par interest milega, aur lag bhag airtel bank ki tarah hi kuch free services bhi milegi.

 

Dosto aane wale dino mai hume aur bhi new payment bank dekhane ko milenge. India ka postal department bhi apna payment bank chalu karne ja rahi hai. jisase India ke har chote village tak banking services mil payengi aur sabhi log isaki services upyog kar sakenge.

Friends Mujhe umeed hai ki aapko Payment Bank Kya Hai ki puri information mili hogi aur aap Payment bank ke bare mein bahut kuch jaan paaye honge. Agar apko Payment bank ke related koi bhi question ho to aap niche comment kar sakte ho.

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5 Comments

  1. ARMAN SIDDIQUE 27/12/2017
  2. Ajaya 29/03/2017
  3. Neeraj sharma 05/03/2017
  4. HindIndia 15/01/2017

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