Kya aap bank me savings account kholna chahte hain? Magar nahi jaante kaise khol sakte hain?
Iss article me hum baat karenge ki bank account kholne ke liye hume kya kya documents ki zaroorat padti hai.
Kya hota hai Savings account?
Savings account sabse basic bank account hota hai. Yeh ek tareeke ka deposit account hota hai jisme consumers, yaani aap, apna money rakhte hain. Aap jab chahe, yahan paise deposit aur yahan se paise withdraw kar sakte hain.
Savings account, jaisa ki iske naam me hi hai, aapko paisa save karne me help karta hai taaki aap apne future ke lie aasani se plan kar sakein aur yeh isi beech aapka amount safe bhi rakhta hai.
Moreover, aapko savings account par interest (byaaz) bhi milta hai. Adhiktar banks mein saal mein 3-5% ka interest milta hai. Yaani ki agar aap INR 1,00,000 ek saal ke liye ek savings bank mein rakhe toh bank aapko saal ka INR 3,000 – INR 5,000 ka interest (byaaz) deti hai.
Savings account kyon kholna chahiye aur iski importance kya hai?
Agar aap ek working person hain, agar aapki salary/ regular (niyamit) income (aamdani) aati hai, to savings account ek acchi choice hai.
Savings account kaun kaun khol sakte hain?
Koi bhi Indian citizen (above 18 saal) apne PAN card (identity proof) aur Aadhar card (address proof) ke jariye ek savings account khol sakta hai. Foreign citizens bhi apne passport aur proof of residence ke through India mein savings account khol sakte hain.
Agar aapki umar 18 saal se kam hai toh aap apne parents ke guardianship mein savings account khol sakte hain.
Savings account kholne ke liye kya kya documents ki zaroorat padti hai?
RBI ki guidelines ke anusaar, agar aap jo document submit kar rahein hain unme dono identity and address ki jankari hai, to aapko ek hi Officially Valid Document provide karne ki zaroorat hai. Isme yeh sab aata hai:
- Passport
- Driving licence
- Voters’ ID card
- PAN card
- Aadhaar Card
- Job Card jo NREGA se issue hua hai
Identity Proof me inke alawa yeh include hota hai:
- Employee ID
- Photo ID card jo Central ya State government ne issue kara ho
Address Proof me oopar commonly mentioned documents ke alawa yeh sab aata hai:
- Electricity, gas, paani, ya phone ka bill
- Bank account statement ya passbook
- Ration card
- Gazetted officer ke dwaara signed ya stamped ek letter jo aapke address ko verify karta ho
- Passport size photographs
- Account opening form
Also, kaafi customers ko current address proof dene me dikkat aati hai. Jaise migrant workers ya fir aise employees jinka transfer hota hai. Aise customers current ya permanent me se ek address hi provide kar sakte hain. Agar dono addresses alag hain to vo ek declaration de sakte hain.
Banks ke hisaab se cheeze change ho sakti hain. But generally, har bank aapse aapka Identity proof aur Address proof maangte hi hain.
Agar aap bank me apna account khulwana chahte hain, ya aur details jaanana chahte hain, to unki website par jaakar detail me process ke baare me padh sakte hain. Aapke reference ke liye ye rahe kuch banks aur unki websites:
