Internet ke is daur me log cash se paison ki len-den kam karna chahte hain aur log yeh chahte hain ki wo bina cash ke online maadhyam se paison ki len-den karen phir chahe wo kisi ko payment karna ho, ya kisi ko paise transfer karne hon.
Online payment karna ya paise transfer karna bahut saral hota hai, isme aapka samay bhi bachta hai aur mehnat bhi. Waise to online payment karne ke kai tareeke hain lekin jo aajkal sabse zyada trend me hai wo hai Digital Wallet aur UPI. Digital Wallet me hum online paise add karte hain aur phir unhi paison ka istemaal online payment ke kiye karte hain. Jinko Digital Wallet ke baare me nahi pata ho woh humara yeh article padhen.
e-Wallet ya Digital Wallet Kya Hota Hai? - e-Wallet Istemaal Karne ke Kya Faide Hain?
Aur UPI ke maadhyam se hum kisi ko paise transfer kar sakte hain aur kisi se paise receive bhi kar sakte hain. UPI seva bank dwara milti hai UPI se paise transfer karne par jisko paise bhej rahe hain direct uske bank account me paise jaate hain aur isi tarah agar koi aapko paise bhej raha hai to woh direct aapke bank account me aayenge. UPI bahut saral payment method maana jaata hai kyunki is maadhyam se agar aapko kisi ko paise bhejne hon ya payment karni hoto bank account number, IFSC waghaira ki zaroorat nahi padti hai keval UPI ID chahiye hoti hai jisko VPA kaha jaata hai iska full form Virtual Payment Address hota hai.
Aaj ke time me online payment karne ke liye ya paison ki len-den karne ke liye humaare bahut saare vikalp moujood hain jaise, Internet Banking, Mobile Banking, Digital Wallet. Inka istemaal bhi aaj ke time me khoob ho raha hai kyunki online payment karna humaare liye ek tarah se kisi badi sahoolat se kam nahi hai.
Digital Wallet ki baat karen to yeh aaj ke samay me bahut zyada popular online payment system maana jaata hai, kyunki aksar log iska istemaal karte hain.
PhonePe bhi ek Digital Wallet hai aur yeh bhi Paytm ki tarah kaafi popular hai. 

PhonePe Kya Hai?


 PhonePe India ka ek Payment App hai jo UPI ki suvidha deta hai jiski madad se hum apne bank account se paise transfer kar sakte hain aur payment bhi kar sakte hain.
PhonePe India me mobile se bhugtaan karne ka ek bahut aadhunik tareeka hai. PhonePe ke istemaal se UPI se payments karne se lekar rechages kar sakte hain aur PhonePe se online paise bhejne se lekar bill ka payment tak kiya jaa sakta hai, yeh sabhi kaam aap PhonePe ke zariye kar sakte hain. PhonePe ke anusaar PhonePe ka istemaal karna Internet Banking se behtar hai kyunki yeh bahut zyada surakshit bhi hai aur bahut tez payment bhi karta hai.

PhonePe se Kya-Kya Kar Sakte Hain?
  • PhonePe se aap kabhi bhi kahin bhi apne contacts ko paise bhej sakte hain aur paise ke liye request bhi kar sakte hain.
  • PhonePe se prepaid mobile recharge kar sakte hain, aur sabhi bade mobile operator companies ke recharge kar sakte hain iske sath hi Datacard, DTH conmections bhi recharge kar sakte hain.
  • PhonePe se postpaid bill bhi pay ki jaa sakti hai jaise, landline, Datacard, aur mobile bills.
  • PhonePe se utilities bill ka bhi bhugtaan kiya jaa sakta hai jaise bijli ka bill, gas ka bill etc.
  • PhonePe se apne bank account ka balance check kar sakte hain, beneficiaries save kar sakte hain aur kai saare bank accounts manage kar sakte hain.
  • PhonePe se Flipkar, Myntra, Jabong aur doosri online shopping websites se kharidari kar sakte hain.

PhonePe Istemaal Karne ke Faide
  • PhonePe se 24 ghante 1 lakh Rupees tak ka transaction kar sakte hain.
  • PhonePe ke partner merchants (vyapariyon) se turant apne PhonePe Wallet me cashbacks aur refunds paa sakte hain,
  • PhonePe se apne wallet ka balance check kar sakte hain aur usko apne bank account me daal sakte hain. Lekin cashbacks ko PhonePe se jude hue bank account me transfer nahi kiya jaa sakta hai aur na hi kisi doosre user ko cashback bheja jaa sakta hai. PhonePe me milne wala cashback keval PhonePe me hi istemaal kiya jaa sakta hai jaise mobile recharge, bill payment, aur PhonePe ke merchants ko payment karne ke liye hi istemaal ho sakta hai.
  • PhonePe ki madad se ek click me PhonePe merchants ko payment kiya jaa sakta hai.
  • PhonePe app ke andar bahut si languages hain aur aap apni manpasand language me is app ko use kar sakte hain, jaise ki English, Hindi, Tamil, Bengali, Telugu, Kannada, Malayalam, Assamese, Gujarati, aur Marathi iske alawa aur bhi bhashayen isme jald hi aane wali hain.

PhonePe Kaise Kaam Karta Hai?


 PhonePe app UPI ke maadhyam se kaam karta hai. PhonePe Yes Bank dwara sanchaalit (powered) hai. PhonePe UPI app kaafi safe aur secure maana jata hai. Yeh app aapki payment aur banking ki sabhi zarooraton ko pura karta hai jaise ki Internet Banking aapki payment aur banking ki zarooraton ko pura karti hai.

 PhonePe ko payment aur banking ke mamle me Internet Banking se behtar samjha jata hai kyunki isse payment karne ke liye ya paise transfer karne ke liye Account Number, IFSC aur bhi doosri jaankariyon ko yaad rakhne ki zaroorat nahi hoti hai. PhonePe se sirf mobile number ya VPA ka istemaal karke turant paise transfer kiye jaa sakte hain.

 PhonePe aapko ek digital mobile wallet provide karta hai jisme PhonePe ke partner merchants se fauran refunds aur cashbacks milenge.
PhonePe Wallet me moujood balance ko ek swipe me turant aap PhonePe se jude apne bank accounts me transfer kar sakte hain.
PhonePe se 70 billers jude hue hain aap aasani se apna mobile recharge kar sakte hain, DTH, Datacards ko recharge kar sakte hain aur sath hi gas, bijli, landline aur doosri utility bills ka bhugtan kar sakte hain.

PhonePe Wallet me paise kaise daalte hain?


 PhonePe Wallet me aap apne UPI enabled bank account se paise daal sakte hain, jaisa ki humne bataya bhi hai ki PhonePe UPI ke zariye kaam karta hai aur iske sabhi transactions UPI ke maadhyam se hi hote hain. Agar aapke paas UPI enabled bank account nahi hai to aap Debit Card se bhi PhonePe me paise add kar sakte hain.

Filhal desh me 128 aise bank hain jo UPI enabled hain, aur unki list yeh hai:
  1. Aditya Birla Idea Payments Bank
  2. Airtel Payments Bank
  3. Allahabad Bank
  4. Andhra Bank
  5. Axis Bank
  6. Bandhan Bank
  7. Bank of Baroda
  8. Bank Of India
  9. Bank of Maharashtra
  10. Canara Bank
  11. Catholic Syrian Bank
  12. Central Bank of India
  13. City Union Bank
  14. DBS Digibank
  15. DCB Bank
  16. Dena Bank
  17. Dhanlaxmi Bank Ltd
  18. Equitas Small Finance Bank
  19. Federal Bank
  20. Fino Payment Bank
  21. HDFC Bank
  22. HSBC Bank
  23. ICICI Bank
  24. IDBI Bank
  25. IDFC Bank
  26. Indian Bank
  27. Indian Overseas Bank
  28. IndusInd Bank
  29. Jammu and Kashmir Bank
  30. Janta Sahakari Bank Pune
  31. Karnataka Bank
  32. Karur Vysya Bank
  33. Kotak Mahindra Bank
  34. Lakshmi Vilas Bank
  35. Oriental Bank of Commerce
  36. Paytm Payments Bank
  37. Punjab & Sind Bank
  38. Punjab National Bank
  39. RBL Bank
  40. South Indian Bank
  41. Standard Chartered Bank
  42. State Bank of India
  43. Syndicate Bank
  44. TJSB Bank
  45. UCO Bank
  46. Union Bank of India
  47. United Bank of India
  48. Vijaya Bank
  49. Yes Bank
  50. Allahabad UP Gramin Bank  
  51. Andhra Pragathi Grameena Bank  
  52. Andhra Pragathi Grameena Vikas Bank  
  53. Apna Sahakari Bank   
  54. Assam Gramin VIkash Bank   
  55. Baroda Gujarat Gramin Bank  
  56. Baroda Rajasthan Khetriya Gramin Bank  
  57. Baroda Uttar Pradesh Gramin Bank  
  58. Bassein Catholic Coop Bank  
  59. Bihar Gramin Bank  
  60. Chaitanya Godavari Grameena Bank  
  61. Chhattisgarh Rajya Gramin Bank  
  62. Citibank Retail
  63. Corporation Bank  
  64. Dena Gujarat Gramin Bank  
  65. Dombivali Nagrik Sahakari Bank  
  66. ESAF Small Finance Bank   
  67. G P Parsik Bank  
  68. Jalgaona Janata Sahkari Bank   
  69. Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd.
  70. Karnataka vikas Gramin Bank  
  71. Kashi Gomti Samyut Gramin Bank  
  72. Kaveri Grameena Bank   
  73. Kerala Gramin Bank  
  74. Langpi Dehangi Rural Bank  
  75. Maharashtra Grameen Bank  
  76. Malwa Gramin Bank  
  77. Manipur Rural Bank  
  78. Meghalaya Rural Bank  
  79. Mizoram Rural Bank  
  80. NKGSB  Bank
  81. Pragathi Krishna Gramin Bank  
  82. Prathama Bank
  83. Punjab and Maharastra Co. bank  
  84. Purvanchal Bank
  85. Rajasthan Marudhara Gramin Bank  
  86. Rajkot Nagari Sahakari Bank Ltd  
  87. Samruddhi Co-op bank ltd  
  88. Saurashtra Gramin Bank  
  89. Surat People Cooperative Bank  
  90. Sutex Co operative Bank  
  91. SVC Coperative Bank  
  92. Tamilnad Mercantile Bank  
  93. Telangana Gramin Bank   
  94. Thane Bharat Sahakari Bank  
  95. The  Cosmos Co-Operative Bank LTD  
  96. The Gujarat State Co-operative Bank Limited
  97. The Hasti Co-operative Bank Ltd  
  98. The Kalyan Janta Sahkari Bank  
  99. The Mahanagar Co-Op. Bank Ltd  
  100. The Mehsana Urban Co-Operative Bank  
  101. The Saraswat Co-Operative Bank  
  102. The Urban Cooperative Bank Ltd Dharangaon
  103. The Varachha Co-op Bank Ltd.  
  104. The Vishweshwar Sahakari Bank Ltd  
  105. Tripura Gramin Bank  
  106. Ujjivan Small Finance Bank Limited  
  107. Uttarakhand Gramin Bank  
  108. Vananchal Gramin Bank  
  109. Vasai Vikas Co-op Bank Ltd  
  110. Suco Souharda Sahakari bank  
  111. Sarva Haryana Gramin Bank  
  112. Deutsche Bank AG (Web Collect)   
  113. Telangana State Co Operative Apex Bank  
  114. India Post Payment Bank
  115. The Andhra Pradesh state cooperative  
  116. Maharashtra state Co-op. Bank (MSC)   
  117. Paschim Banga Gramin Bank  
  118. Jana Small Finance Bank   
  119. Suvarnayug Sahakari Bank Ltd  
  120. Bhilwara Urban Co-operative Bank Ltd  
  121. The Udaipur Mahila Urban Co-op Bank Ltd  
  122. Jio Payments Bank  
  123. A. P Mahesh Bank  
  124. Maratha Cooprative Bank Ltd  
  125. The Vijay Co-operative Bank Ltd, Ahmedabad   
  126. The Udaipur Mahila Samridhi Urban Co-operative Bank Ltd.   
  127. Sarva UP Gramin Bank  
  128. The Muslim Co-operative Bank Ltd.

Yeh list aane wale time me aur bhi badi ho sakti hai, filhaal yeh the woh bank jo UPI enabled hain. Jaisa ki hum yahan dekh rahe hain ki desh ke sabhi bade se lekar chote bank UPI enabled hain. Aur jaisa ki hum jaante hain ki PhonePe se hum UPI ki madad se kisi bhi bank me aasani se paise bhej sakte hain aur receive bhi kar sakte hain. Aur yahan hum yeh bhi dekhte hain desh ke sabhi bade se lekar chote bank chahe woh small finance bank hon, gramin bank hon, sahakari bank hon sabhi UPI enabled hain to isse hume UPI ke maadhyam se transactions karne me koi bhi samasya nahi aayegi.