Savings account kya hota hai aur yeh kaise kaam karta hai?
Savings account bank me wo account hota hai jahan paise rakhte ho, thodi interest milti hai aur paise jab chaho nikal sakte ho.
Personal loan kaise apply karein?
Aap bank ya NBFC ki website se online apply kar sakte ho; ID proof, income proof aur bank statements lagte hain.
Bank ka minimum balance kya hota hai?
Har bank aur account type ka minimum alag hota hai; kuch zero-balance accounts bhi available hain (Jan Dhan etc.).
Credit card kaise kaam karta hai?
Credit card se pehle bank aapko limit deta hai; aap kharche karte ho aur due date tak repayment karte ho, warna interest lagta hai.
UPI kya hai aur use kaise karte hain?
UPI (Unified Payments Interface) mobile se instant bank transfer hai; UPI app me VPA create karo aur OTP/UPI PIN se pay karo.
Debit card aur credit card me kya farak hai?
Debit card aapke bank balance se paisa kat-ta hai; credit card bank se udhaar deta hai jise baad me chukana hota hai.
CIBIL score kaise check karun?
CIBIL website ya authorised partners se free/paid report le kar apna score dekh sakte ho; banks bhi report provide karte hain.
Net banking activate karne ka process kya hai?
Bank ki website par register karo, customer ID/Account number daalo aur OTP se verification karke net banking activate ho jata hai.
Mobile banking setup kaise karein?
Bank ki official app download karo, account details daalo aur OTP/MPIN se register kar lo.
Income proof ke bina loan milega?
Kuch lenders bina income proof ke unsecured loans offer karte hain par interest zyada hota hai; documentation vary karta hai.
Recurring Deposit (RD) kya hota hai?
RD me aap har mahine fixed amount deposit karte ho aur maturity par interest ke saath lump sum milta hai.
NEFT, RTGS aur IMPS me kya antar hai?
NEFT batch-wise transfer, RTGS real-time high-value, IMPS instant 24x7 low/medium value transfers ke liye use hota hai.
Fixed Deposit (FD) kholne ka fayda kya hai?
FD stable interest deti hai aur safe investment hoti hai; maturity par aapko principal + interest milta hai.
ATM/ debit card kho jaaye to turant kya karein?
Bank helpline par call karke card block karwao ya mobile banking se block karo; phir replacement ke liye apply karo.
EMI kya hoti hai?
EMI (Equated Monthly Installment) wo fixed monthly payment hai jo loan repay karne ke liye dete ho — interest + principal milkar.
Aadhaar bank account se kaise link karein?
Net banking, bank branch ya ATM se Aadhaar linking kar sakte ho; bank ko Aadhaar number provide karna hota hai.
Zero balance account kya hota hai?
Aise savings account jisme minimum balance maintain karna zaruri nahi hota (e.g., Jan Dhan accounts).
Bank locker kaise use karte hain?
Locker rent par milta hai; aap valuables rakhte ho, bank hours me access milta hai aur key/biometric verification hoti hai.
Overdraft facility kya hoti hai?
Overdraft me bank account se limit tak zyada paise nikal sakte ho; uspe interest charge hota hai.
Home loan ke liye kaise apply karein?
Bank/ NBFC me application do, property documents aur income proof submit karo; eligibility check ke baad loan approve hota hai.
Personal loan jaldi close karne par kya hota hai?
Prepayment se outstanding close hota hai; kuch lenders prepayment charges le lete hain — terms check karo.
Prepaid card kya hota hai?
Prepaid card me paise pehle load karte ho aur tab use kar sakte ho; credit nahi hota.
Current account kaise kholte hain?
Business documents, PAN aur KYC dekar bank me current account khol sakte ho, jo daily transactions ke liye hota hai.
Repo rate kya hota hai (saral shabdon me)?
Repo rate woh rate hai jis par RBI banks ko short-term loan deti hai; banks ke interest rates me iska asar padta hai.
KYC (Know Your Customer) kyun zaruri hai?
KYC se bank aapki identity verify karta hai — fraud aur money laundering rokne ke liye mandatory hai.
Bank account me address update kaise karein?
Branch visit karke address proof dekar update karwa sakte ho ya kuch banks online allow karte hain.
Digital wallet kya hota hai?
Digital wallet apps me paise store karte ho aur online/offline payments kar sakte ho (e.g., Paytm, PhonePe, Google Pay).
Duplicate passbook kaise milega?
Bank branch me request dekar duplicate passbook mil sakta hai; kuch banks online bhi issue kar dete hain.
Joint account ka fayda kya hai?
Multiple holders ek hi account chala sakte hain — family expenses ya business ke liye useful hota hai.
Moratorium period kya hota hai?
Yeh temporary EMI suspension hai jo banks kabhi-kabhi allow karte hain (special cases me), terms alag hoti hain.
Secured loan kya hota hai?
Secured loan me aap collateral dete ho (property, FD) jiski wajah se interest usually kam hota hai.
Account ko branch transfer kaise karte hain?
Branch me transfer request fill karke aap account ko dusre branch me transfer karwa sakte ho; online option bhi kuch banks me hota hai.
Cheque bounce kya hota hai?
Jab aapka cheque bank process nahi kar pata (insufficient funds/galat details), to cheque bounce hota hai aur penalty lag sakti hai.
IFSC aur MICR code me kya difference hai?
IFSC online fund transfers ke liye hota hai; MICR cheque processing ke liye bank branch code hota hai.
International transactions card par kaise enable karein?
Netbanking/app me international usage enable karo ya customer care se request bhejo; verification lag sakta hai.
Credit card balance transfer kya hota hai?
Existing credit card debt ko lower interest card par transfer karna balance transfer kehlata hai, jo EMI se repay hota hai.
Demat account kya hai?
Demat account me aap shares ko electronic form me rakhte ho, trading ke liye mandatory hota hai.
Bank account close karne ka tarika kya hai?
Branch me closure form bhar ke cards/chequebook return karke remaining balance le lo; kuch banks online bhi allow karte hain.
Loan-to-value (LTV) ratio kya hota hai?
LTV batata hai ki lender property value ka kitna percent loan deta hai; higher LTV = zyada loan against asset.
Credit card me minimum due kya hota hai?
Minimum due wo amount hai jo due date tak chukana zaruri hota hai warna penalty lagti hai; par interest bhi lagega agar poora amount nahi bhara.
