Payments Bank Kya Hota Hai?

What is Payments Bank?


Ab tak to hum keval bank ke baare me hi jaante the, ki bank ek aisi vittiya sanstha hai, jahan log apne paise jama karte hain, aur phir jab zaroorat hoti hai to usko nikaal lete hain. Bank sirf paise jama karne aur paise ki nikasi ke liye hi nahi hote hain, balki bank humen bahut saari anya vittiya sevaayen bhi deta hai. Bank ki madad se hum sabhi tarah ke lenden kar sakte hain, chaahe kisi ko bhugtaan karna ho ya kisi ko paise bhejne hon ya phir kahin paise mangaane ho ya kisi se paise lene hon, yeh sabhi tarah ki lenden hum bank ki madad se hi kar sakte hain. Aaj ke samay mein jitni bhi tarah ki online lenden ho rahi hai yeh sab bankon ke zariye hi hoti hai, phir chaahe aapko online shopping karni ho ya kisi showroom ya mall ya phir kisi store par bhugtaan karna ho to wo bhi aaj ke samay me debit/credit card se ho jaata hai, jo ki bankon ki hi den hai.
Inka laabh uthaane ke liye bas aapka kisi bank me khaata hona zaroori hai. 

Iske alawa bankon ke paas dher se anya utpaad bhi moujood hain jaise:



  • Savings Account
  • Recurring deposit account
  • Fixed deposit account
  • Money market account
  • Certificate of deposit (CD)
  • Individual retirement account (IRA)
  • Credit card
  • Debit card
  • Mortgage
  • Mutual fund
  • Personal loan
  • Time deposits
  • ATM card
  • Current accounts
  • Cheque books
  • Automated Teller Machine (ATM)
Iske alawa agar bankon ki gatividhiyon ki seema ki baat karen to,
banking dwara ki gai gatividhiyon me shamil hain:

  • Personal Banking
  • Corporate Banking
  • Investment Banking
  • Private Banking
  • Transaction Banking
  • Insurance
  • Customer Finance
  • Foreign Exchange Trading
Ye saari suvidhaayen to aapko ek normal bank provide karta hai. Aur bank koi hamaare liye anjaan cheez nahi hai. Adhiktar logon ka kisi na kisi bank me khaata hoga, isliye bank hamaare liye koi nayi cheez nahi hai.
Lekin jab hum 'Payments Bank' ka naam sunte hain to hum sochne lagte hain ki aakhir yeh Payments Bank kya hai?
aur yeh Payments Bank hota kaisa hai?
kyunki Payments Bank abhi naya-naya bank hai, jisse humlog abhi anjaan hain aur Payments Bank ke baare me jaankari bhi nahi rakhte hain.
To aaj hum jaanenge ki aakhir yeh Payments Bank hota kya hai.
Kya yeh ek Normal Bank ki tarah hi hota hai, ya usse alag hai?
Aaj aapko aapke is sawaal ka jawaab mil jayega.

Payments Bank Kya Hota Hai?

Jaisa ki iske naam se hi pata lagta hai ki 'Payments' yaani bhugtan, asl me yeh bank bhugtan ko nazar me rakhte hue banaya gya hai. Payments Bank grahkon ke liye bhugtan seva ko aasan aur saral banata hai.
Payments Bank 'Reserve Bank of India' ke vichaar dwara banaya gya bank ka ek naya model hai. Yeh bank ek seemit dhanrashi (amount) hi svikaar karte hain. Filhaal har grahak apne khaate mein keval 1 lakh tak ki dhanrashi hi jama kar sakta hai, halaanki ho sakta hai aage jaakar yeh seema badha di jaaye.
Isliye agar kisi ka Payments Bank me khaata hai to woh apne khaate me keval 1 lakh tak hi jama kar sakta hai.
Yeh bank Loan aur Credit issue nahi kar sakte hain. Payments Bank Current Account aur Savings Account dono ko sanchaalit karte hain. Isliye Payments Bank mein Current Account aur Savings Account dono khole jaa sakte hain.
Regular Bank ki tarah Payments Bank bhi Debit Card, ATM Card, Mobile Banking, Net Banking jaisi sevaayen dete hain. Bharti Airtel Bharat ka pahla Payments Bank hai.
Payments Bank ka asli maqsad vittiya samavesh ko badhava dena hai. 
Iske liye Payments Bank Pravasi Mazdooron, Chote Business, Kam Aaye Wale Parivaaron aur doosre users ko Chote Bachat Khaate pradaan karke unko banking se jodne ke sath-sath payment aur remittance ki seva bhi de rha hai.
Payments Bank ka uddeshya khaastaur par bachat khaaton aur bhugtaan sevaon ke maadhyam se vittiya samavesh ko badhava dena hai. Iske alawa ek Payments Bank ko Credit Card aur Loan dene ki anumati nahi hai.
Yeh bank online transaction aur bhugtaan ke liye bahut accha hai. Ismein aapko Regular Bank ki tarah hi Account Number IFSC aur Customer ID bhi di jaati hai.
Lekin yeh bank ek Regular Bank ke jaise suvidhaayen nahi de sakte hain. Isliye hum yeh nahi kah sakte hain ki Payments Bank Regular Bank ki tarah hote hain.

India mein abhi 6 active Payments Bank moujood hain, jinmein yeh Bank shamil hain:

Agar aapke paas koi bank khaata nahi hai to aap Payments Bank me apna khaata aasani se khulwa sakte hain, aur kisi bhi tarah ka transaction kar sakte hain, halaanki transaction 1 lakh se upar ka nahi hoga. Lekin agar aapke paas pehle se kisi Regular Bank mein khaata hai to aapko Payments Bank mein khaata kholne ki koi zaroorat nahi hai, kyunki Regular Bank ke khaate se hi aapki sabhi zarooraten puri ho jaayengi.