Multiple Bank Account Hone Ke Fayde Aur Nuksan Kya Hai - Internet Happy World

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July 2, 2018

Multiple Bank Account Hone Ke Fayde Aur Nuksan Kya Hai

Ak Se Jyada Bank Account होने के फायदे और नुकसान क्या है।

Aaj Ke Samay Me Jyadatar Log Aise Hai Jo Apne Naam Se Ak Se Jyada Bank Account Rakhte Hai. Kuchh Logo Ke Liye To Yah Jarurat Bhi Hai To Kuchh Log Bina Jarurat Bhi Ak Se Jyada Bank Account Khulva Lete Hai. Example Ke Liye Agar Koi Businessman Hai Aur Paiso Ka Len-Den Daily Basis Par Jyada Hai To Uski Jarurat Ban Jaati Hai Ki Vo Ak Ya Jyada Bank Account Rakhe, Lekin Bahut Se Log Salary Account Ke Alava Saving Account Khulva Lete Hai. असल Me Log Ak Se Jyada Bank Account To Khulva Lete Hai, Lekin Ise Manege Nahi Kar Paate Hai. Aur Uske Fayde (Benefit) Aur Nuksan (Loss) Ke Baare Me Nahi Sochte Hai. Alag-Alag Account Me जमा पैसों Par Aapko Bada Nuksan Uthana Pad Sakta Hai. Aise Me Agar Aapke Paas Bhi 2 Ya 2 Se Jyada Bank Account Hai To Ye Article Aapke Kaam Ke Sabit Ho Sakte Hai.

Multiple Bank Account के 6 नुकसान
/multiple-bank-account-benefits-and-loss.
Better Income Pane Se Rah Jayenge Pichhe:
Ak Se Jyada Banks Me Account Hone Se Aapko Bada Loss Ho Sakta Hai, Jiske Baare Me Aapko Pata Hi Na Ho. Actually, Aapko Apne Har Bank Account Ko Manage Karne Ke Liye Usme राशि Ka Ak तय Amount Rakhna Hi Hota Hai. Yani Ki Jyada Bank Me Account Hone Se Aapka Bada Amount To Banks Me Hi फंस Jaata Hai. Us राशि Par Aapko Jyada Se Jyada 5 Se 6% Hi Yearly Return Milta Hai. 

Vahi, Agar Jyada Saving Account Me Paise Rakhne Ki Bajaye Uuse Dusri Schemes For example, Post Office, Stock Market, Mutual Fund, Government Bond Liquidity Fund Ya Fix Deposit Me Lagaye To Aapka Yearly Return Kai Guna Badh Sakta Hai. Actually Stock Market Aur Mutual Fund To Aapke Paiso Par Saving Account Ki Tulna Me Kai Guna Jyada Return De Sakta Hai. Aur Dusri Savings Schemes Me Bhi Better Income Ho Sakti Hai.

➧1. Jyadatar Saving Account Me Bank Ki Aur Se Minimum Balance Rakhne Ka प्रावधान Hota Hai. Agar Aap Aisa Nahi Karte To Bank Aapse Penalty वसूल Karte Hai. Aapke Account Par रोक Bhi Lag Sakti Hai. Actually Kai Banks Me Minimum Balance Ki Limit Maximum 10,000 Rupye Hai. Yani Aapke Paas Ak Se Jyada Account Hai To Aapki Tension Badh Sakti Hai.

➧2. Multiple Bank Account Hone Se प्रत्येक Account Par Aapko Yearly Maintenance Fees and Service Charge Dene Hote Hai. Credit Aur Debit card, And Other Banking Facilities Ke Liye Customers Se Extra Charge वसूलते Hai. Yaha Bhi Aapko Kafi Nuksan Uthana Padta Hai, Jiska Pata Hame Nahi Chalata.

➧3. Multiple Bank Account Rakhne Ka Ak Bada Nuksan Ye Hai Ki Debit Card Ya Account Password Bhul Jaane Par Isko Recover Karna Mushkil Hota Hai.

➧4. Income Tax File Karne Me Pareshani.
Jyada Banks Me Account Hone Se Income Tax जमा Karte Samay Kafi दिक्कतों Ka Samna Karna Padta Hai. Paperwork Me Adhik माथापच्ची Karni Padti Hai. Sath Hi Income Tax File Karte Samay Sabhi Bank Account Se Judi Jankari Rakhna Aur Uske Statement Ka Record Jutana Kafi पेचीदा Kaam Ho Jaata Hai.

Multiple Bank Account Ke Fayde Kya Hai.
➧1.Bank द्वारा ATM Se Sirf 5 Transaction Aur Dusre Bank Ke ATM Se 3 Transaction Ki Limit तय Kar Dene Ke Baad Multiple Account Hone Se Jyada Free Transaction Ki Facility Mil Jaati Hai. Agar 2 Bank Me Account Hai To ATM Se 10 Baar Free Transaction Kar Sakte Hai. Kisi Ak Bank Ka Network Fail Ho To Aap Dusre Bank Ke ATM Ya Online Banking Ka Istemaal Kar Paate Hai.

➧2. Agar Koi Bank Low Interest Offer Kar Raha Hai To Aap Apne Paise Ko Dusre Bank Me Transfer Kar Adhik ब्याज Le Sakte Hai. Dusri Bank Se High Interest Ka Fayda Utha Sakte Ho.

➧3. Iske Alava Agar Aapke Paas Ak Se Adhik Bank Account Hai To Aap Kai Shandar Scheme Ka Fayda Utha Sakte Hai. Jinme Attractive Yearly Premium Par  Personal Accident Cover, etc., Shamil Hai. 

➧4. Multiple Account Hone Se Check Book Ki संख्‍या Badh Jaati Hai. Iske Sath Hi Bank Apne Account Holder Ko Credit Card Offer Karte Hai. Aapke Paas Ak Se Adhik Credit Card Select Karne Ka Option Hota Hai.

Multiple Bank Account Ko Kaise Manage Kare.
Agar Aapke Paas 2 Ya Jyada Bank Account Hai To Aap Unme Se Jise Use Nahi Kar Rahe Hai. Uuse Band Karva De. Multiple Bank Account Ko Sahi Tarike Se Manage Karne Ke Liye Ak Entry System Taiyar Kare. Isme Aap Sabhi Account Se Judi Jankario Ko Likh Kar Kahi Save Kare. Aap Jis Account Ka Istemaal Jis Kaam Ke Liye Karte Hai Uski Ak Category Bana Le. Sabhi Accounts Ko Kabhi Bhi Mix Na Kare. Agar Aap Aisa Karte Hai To Multiple Account Ka Fayda Utha Sakte Hai Aur Nuksan Ki गुंजाइश Bahut Cum Hogi. Expert Ka Manna Hai Ki Agar Jarurat Nahi Hai To Multiple Account Kholne Se Bachna Chahiye. Agar Job Change Katne Ke Chalte Aapka Ak Se Jyada Account Khul Bhi Jaate Hai To Aap Uuse Close Kara De.

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7 comments:

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