Bank Account Kya Hai ? Full Tutorial In Hindi – 2024

Bank account ek financial institution dwara di gayi sewa hai jo vyakti, vyavsayik ya sarkari uddeshyon ke liye paiso ki raksha, vittiya upakarano aur vyavsayik gatividhiyon ke liye upyog hota hai. Ye ek aham hissa hai modern banking system ka aur aam taur par har vyakti ke liye aavashyak hai. Is article me hum bank account ke mahatva, prakar aur kholne ki prakriya par vistar se baat karenge.

Bank Account Ke Prakar:

  1. Saving Account (Bachat Khata): Saving account, jaise ki naam se hi spasht hai, paiso ki bachat aur nivesh ke liye hota hai. Isme aam taur par kam se kam rakam jama karni hoti hai aur bank dwara di gayi bachat ke liye bima pradaan ki jaati hai. Saving account aksar ghar ke vyaktiyo aur vyavsayik upyog ke liye upyukt hota hai.
  2. Current Account (Vartaman Khata): Current account vyaparik ya vyavsayik upyog ke liye hota hai. Isme aapko adhik transaction ki suvidha milti hai lekin is par bachat ki bima pradaan nahi ki jaati. Vyapari aur bade vyavsayik sthitiyon me iska upyog kiya jata hai.
  3. Fixed Deposit Account (Nidhi Jama Khata): Fixed deposit account me aap apne paiso ko nirdharit samay ke liye bank me jama kar sakte hain jiske badle me bank aapko nishchit dar par bada dhanadan labh pradaan karta hai. Ye ek surakshit nivesh vikalp hai jisme aapko jama kiye gaye paiso ke liye vishesh bima pradaan ki jaati hai.
  4. Recurring Deposit Account (Avakash Nidhi Jama Khata): Isme aapko nirdharit samay par niyamit roop se paisa jama karna hota hai aur iske antargat jama kiye gaye paiso par bhi nirdharit dar par bada dhanadan labh pradaan kiya jata hai. Ye bhi ek prakar ka surakshit nivesh vikalp hai.

Bank Account Ke Fayde:

  1. Suraksha: Bank account me rakhe gaye paiso ki suraksha bank ke dwara pradaan ki gayi suraksha ke antargat hoti hai.
  2. Vishwaasniyata: Bank account aapko financial transactions ke liye vishwaasniyata pradaan karta hai.
  3. Vittiya Prabandhan: Bank account me rakhe gaye transactions ko track karna aur vittiya prabandhan ko aasan banata hai.
  4. Bachat aur Nivesh: Saving aur fixed deposit accounts bachat aur nivesh ke liye ek surakshit vikalp pradaan karte hain.

Bank Account Kholne Ki Prakriya:

Bank account kholne ki prakriya aam taur par nimn kadamom par aadharit hoti hai:

  1. Document Tayyar Karein: Bank account kholne ke liye aapko sabhi zaroori documents ke saath bank me jana hota hai jaise ki address proof, identity proof, aur passport size photographs.
  2. Bank Chuniye: Aapko apni zarooraton aur suvidhaon ke anusar bank chunna hoga. Aap bank ki bhoomika, upalabdhiyon aur byaj daro ka bhi vichar karein.
  3. Application Bharayein: Bank me pahuch kar aapko ek bank account kholne ka form bharna hoga jisme aapko apni vyaktigat jaankari aur diye gaye documents submit karne hote hain.
  4. Verification: Aapki vyaktigat jaankari aur documents ki verification ke baad, bank aapko account khulne ki suchna deti hai aur aapko ek account number aur kitabon (cheque book) pradaan ki jati hai.

Nihit Vichar:

Bank account ek mahatvapurn upkaran hai jo aapki vyaktigat aur vyavsayik vittiya avashyaktaon ko poora karta hai. Isse aap apne paiso ko surakshit rakh sakte hain, vittiya prabandhan ko aasan bana sakte hain aur apne uddeshyon ke anusar nivesh kar sakte hain. Samay par zaroori documents ke saath bank me ja kar ek bank account khulva lena aapko financial sthiti ko majbooti pradaan karta hai.

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