Which Bank is Safe For Fixed Deposite Hindi | Best Bank in India For Savings Account

Aaj ham batane wale hain, ham jo paisa Bank mein rakhte hain kya bo safe hain? India ke jadatar log safety ko bahut hi jada preference dete hain. Jiske liye Bank mein hi bo apna paisa rakhna pasand karte hain.


Lekin hali mein PMC Bank ke sath jo crisis hua, uske bad bahut sare logon ke man mein yah sawal aane lage hain kya hamara paisa Bank mein safe hain.

Best Bank in India For Savings Account
Which Bank is Safe For Fixed Deposite?

PMC Bank Crisis:

Jaisa ki aapane suna hoga jis logon ka paisa PMC Bank mein phans gaya hai vah 10,000 rupya se jada apna paisa nahin nikal sakte. Yani unke account mein agar 10 lakh rupya bhi hai, to vah sirf 10,000 rupya hi nikal sakte hain.


PMC Bank ke iss case mein chances hai PMC Bank ke top management ne HDIL, jo ki ek realestate company hai uske promoter ke sath milkar koi fraud kiya hai.


Lekin ismein logon ki to koi galti nahin thi. Fir bhi nuksan logon ko hi jhelna pad raha hai. PMC Bank ki iss case ke baad, Yes Bank bhi kafi news mein hai. Yes Bank isiliye news mein hai kyunki unki bed loan lagatar badhate ja rahe hain.


Aur isi bich logon ka sawal aane lage hain hamara paisa jo Yes Bank mein hai kya hamen ushe nikal lena chahie. To chalo aaj jante hain hamara paisa jo Bank mein rakha hua hai bo safe hai ya nahin.


Bank Deposit Insurance Scheme Definition:

Bank mein jo log apna paisa deposit karte hain government ne deposit Insurance Scheme chalu ki thi. Jo un sari Bank per applicable hai jo RBI ke andar Aati Hai.


Ye Insurance Scheme, deposit insurance and credit guarantee corporation ki dwara mange ki jaati hai. Filhal 1 Lakh rupees tak ki account iss deposit insurance scheme ke dwara cover ki jaati hai.


Yani agar aap ke kitna bhi paisa Bank mein ho to usmein se maximum 1 lakh rupiya tak hi amount insured hai. Aur agar koi Bank bankrupt ho jaati hai, to us deposit insurance cover ki vajah se aapko maximum 1 Lakh rupees tak hi amount milegi.


Aur jo Co-operative credit societys hoti hai, un mein iss 1 Lakh tak ki deposit insurance scheme nahin hoti hai. Agar koi Co-operative credit society, bankrupt ho jaati hai to vahan per aapko 1 Lakh rupees tak bhi amount wapas nahin milega.


Deposit Insurance Scheme 1968 se shuru hui thi. Aur shuruaat mein 5,000 rupees amount iss insurance cover mein aati thi. Fir age chal ke ya insurance cover ki limit bada ke 10,000 rupees kar di gai.


Fir 1976 mein Iske limit aur bada kar 20,000 rupees tak kar di gai. Fir 1980 mein Iske limit aur bada kar 30,000 kar di gai. Aur Fir finally 1993 mein iss deposit insurance cover ki limit 1 lakh ki gai.


FIR 1993 se abhi tak iss deposit insurance cover ki limit 1 lakh rupya tak hi hai. To agar koi Bank bankrupt ho jaati hai. To aapko maximum amount 1 lakh rupees tak hi mil sakti hai. To pichhle 26 salo se iss limit ko nahin badhaya gaya.


To pichhle 25, 26 salon mein inflation ki vajah se money ki value to kam hoti chali gai. Thik us hisab se iss deposit insurance ki value badhai nahin gai hai.


Kyunki India mein jadatar log bank ko hi safe mante hain. Aur Bank mein hi apna paisa rakhna pasand karte hain. To aisi case mein iss insurance cover ki limit badhana kafi jada jarurat hai. Kyunki logon ko agar Bank mein bhi safety nahin milegi, to yah economy keliye acchi baat nahin hai.


Solution:

To iska solution kya hai, to kis Bank mein hamen paisa rakhna chahie. To pahle baat hai aap ko penic hone ki bilkul bhi jarurat nahin hai. Kyunki jis tarah ka crisis PMC Bank mein aya hai, yah jaruri nahin ki har Bank mein hi aisa crisis aega.


But precaution is better than cure. To Hamen precaution lena chahie. To generally government badi bank ko fail hone nahin dete. Yani jab badi Bank problem mein aati hai, to government use bailout karti hai. Yani public ka paisa us Bank mein daal kar ushe bacha leti hain.


To jab bhi aap apna paisa deposit kar rahe ho,  yah kisi Bank mein FD nikalna chahte ho, to badi banks ko prefer karo. Kyunki badi Bank itni aasani se fail nahin ho sakti. Aur generally government unhen bailout kar leti hai.


Dekho bahut sari chhoti Banks yah Co-operative Banks, jada interest offer karti hai. To yahan per jada interest ke lalach mein na akar aapko aisi Banks ko prefer karna hoga, jo aapko jada safety aur achha return de sake.


Aur jaisa ki aapko pata hai ek Bank mein sirf 1 lakh tak hi deposit insurance cover ki jaati hai. To behtar hoga aapka FD ki amount alag alag divide kar ke us alag alag Bank mein rakhiye. Yani generally aap 2, 3 Banks ko prefer kar sakte ho. Jisse aapka risk diversify ho jaega.


PMC Bank Fraud:

Dekho PMC Bank ke sath jo hua, uske liye PMC Bank ka management aur PMC Bank ka auditor jamedar hai. Sath mein kahi na kahi RBI bhi iske liye jamedar hai. Aur RBI ne PMC Bank ke depositors per jo condition lagai hain ki vo maximum 10,000 rupees hi account se nikal sakte hain. Vah bhi Kafi Ajeeb hai,


In sari chijo ki vajah se log kahin na kahin banking system per bhi sawal uthane lage hain. To RBI ko yahan per jarurat hai, logon ko confidence dilane ki. Aur PMC Bank ki jo depositors hai unki prati sahi decision lene ki.


Dekho Bank Indian economy ka bahut hi bada hissa hai. Aur companies ko bahut sari funding bank se milti hain. To Banks ke pass yah paisa kahan se aata hai, to yah paisa mainly depositors sehi aata hai.


To log hi agar banking system mein paisa nahin rakhenge, to companies ko paisa nahin milega. Jiska sidha asar Indian economy per padega.


To isiliye agar aapane, apke paisa bank se nikal kar ghar mein rakhenge to yah hamari economic ke hisab se sahi decision nahin hogi.


Yani jo paisa Bank mein rakhna chahte ho vah Bank mein hi rakhe. Bus badi Banks mein rakhiye. Jo aap ko jada safe rakhti hai. Jaisa ki SBI, HDFC Bank and more.


Our Self Advice:

To co-operative banks se ab doorhi raho to behtar hai. To agar aap FD keliye koi alternative dhundh rahe ho, to government Bonds ki taraf ja sakte ho. Government Bonds safety ke liye jaana jaate hai.


Government Bonds ek aisa instrument hai jo sabse jada safe hai. Government jo government Bonds issue karti hai, uske liye government apni guarantee deti hai. To yahan per sabse best safety aap ko milti hai.


Aur government bonds main aapko acche khase return bhi mil jaate hain. Tax benefit bhi mil jata hai, aur sath mein safety  bhi mil jata hai. To government bonds mein investment ke bare mein bhi aap jarur sochiye.

Also Read: 

Mutual Fund - Companys, Keya Aapka Paisa Lekar Bhag Sakti Hai



Asha karta hun aaj ke iss artical mein aapke sare doubt clear ho gaye honge. Finance investment online income ke aisi article ke liye hamari website ko subscribe jarur kijiye ga. Aur agar iss article aapko pasand aaye to dusre logon tak share jarur kijiega.

Post a Comment

0 Comments