What is Mobile Banking?
Mobile Banking Kya Hai?
Mobile Banking ke Kya Faide Hain?

Yeh sab hum aapko batayenge, jisse Mobile Banking ko lekar aapke saare sawaalon ke jawaab mil jayenge. To hum sabse pehle jaanenge ki aakhir ye Mobile Banking hai kya?

Mobile Banking Kya Hai?


 Mobile Banking ki seva Bank ya doosre financial institution dwara provide karai jaati hai, jiski madad se customers badi aasaani se mobile device se jaise smartphone ya tablet ityaadi se online financial transactions kar sakte hain. In financial transactions mein bahut saari cheezen shaamil hain, jaise electronic bill payments, reccharge, ticket booking, online purchase etc. Iske sath-sath aap Mobile Banking se fund transfer kar sakte hain, jaise NEFT, IMPS, RTGS inki madad se aap kisi ke khaate mein paise bhej sakte hain. Jiske bank khaate mein aapko bhejna ho, chahe woh kisi anya bank ka khaata ho, aap aasaani se kisi bhi bank ke khaate mein kisi bhi vyakti ko paise bhej sakte hain. Mobile Banking se aap apne bank account ko manage aur control kar sakte hain. Mobile Banking se aap apne Mobile Phone se apne bank account ka statement dekh sakte hain, apne account ka balance check kar sakte hain, apne Debit Card ko activate aur deactivate kar sakte hain, inko hum non-financial transaction kah sakte hain.


Mobile Banking Kaise Kaam Karti Hai?


Har bank ka Mobile Banking ke liye apna ek Mobile App hota hai, us App ko pehle mobile phone mein download karke install karna padta hai, iske liye internet connection hona zaroori hai. Har bank ka Mobile Banking app alag hota hai, aur usko istemaal karne ke  apne alag-alag tareeke hote hain. Agar aapka kisi bank mein account hai aur aap us bank ki Mobile Banking seva ka laabh lena chahte hain to sabse pehle aapko apne mobile phone mein us bank ka Mobile Banking app download karna hoga. Uske baad aapko Mobile Banking app ko use karne ke liye us app par register karna hoga aur aapko ek user ID aur MPIN banana padta hai, aur saath hi ek TPIN bhi banana hota hai. Halaanki sabhi bankon ke Mobile Banking app mein aisa nahi hota hai, kuch bankon ke Mobile Banking app mein aapko user ID banaane ki zaroorat nahi padti hai, keval aapki Customer ID chahiye hoti hai, kuch bank ke Mobile Banking app mein Customer ID ki bhi zaroorat nahi hoti hai, keval bank mein registered mobile number se hi Mobile Banking ke liye register kar sakte hain. Register hone ke baad aap user ID ya Customer ID aur MPIN ki madad se is app mein login ho sakte hain. Aur Mobile Banking ki suvidhaaon ka laabh le sakte hain, jaise Payments, Fund Transfer, Account Statement, Balance Enquiry ityaadi kar sakte hain.
MPIN ko application password, ya login password bhi kaha jaa sakta hai. TPIN transaction password hota hai, isko Transaction Password bhi kah sakte hain. MPIN ka istemaal app mein login hone ke liye kiya jaata hai, jabki TPIN ka istemaal kisi bhi tarah ka financial transaction karne ke liye kiya jaata hai. Jaise ki kisi ko paise bhejne hon, bill payment karna ho, recharge karna ho, ticket booking karni ho to TPIN ka istemaal karna zaroori hota hai, iske bina kisi bhi tarah ka financial transaction nahi kiya jaa sakta hai.
Jab aap apne mobile phone mein mobile banking app download aur install kar lete hain, to aapko us par register hona padta hai. Mobile Banking app par register hone ke liye aapko apne mobile number ka istemaal karna hota hai, apne mobile number ki madad se aap Mobile Banking app par register kar sakte hain, lekin iske liye zaroori hai ki aapka mobile number aapke bank account se link ho.
Iske alaawa Mobile Banking se transactions karne ke liye Debit/ATM Card ki zaroorat hoti hai, isliye bina Debit/ATM Card ke Mobile Banking ko activate nahi kiya jaa sakta hai, aur bina Debit/ATM Card ke bahut se Mobile Banking app mein aap register nahi kar sakte hain.
Agar aapke paas Debit/ATM Card nahi hai to aap apne bank ki branch se Mobile Banking ke liye registration karwa sakte hain, aur Mobile Banking Seva ko activate karwa sakte hain. 

Mobile Banking ke Liye Kya-Kya Hona Zaroori Hai?
  • Kisi Aise Bank Mein Account Hona Chahiye, jo Mobile Banking Seva Deta ho.
  • Smartphone ya Tablet Hona Chahiye, Jismein Mobile Banking App Download Kiya Jaa Sakta ho.
  • Mobile Banking App apne Smartphone ya Tablet Mein Install Karna Zaroori Hai.
  • Mobile Banking App Mein Register Hona Zaroori Hai.
  • Mobile Banking ke Liye Aapka Aapke Paas ek Active Mobile Number Hona Chahiye, Jo Aapke Bank Account se Link Hona Chahiye.
  • Mobile Banking Seva ke Liye Aapka Mobile Number Aapke Bank Account se Link Hona Chahiye.
  • Mobile Banking Seva Lene ke Liye Aur Mobile Banking App Par Register Hone Ke Liye Aapke Paas Debit Card/ATM Card Hona Chahiye, Jiski Madad se Aap Mobile Banking Seva ko Activate Kar Sakte Hain.
  • Mobile Banking ko Istemaal Karne ke Liye Aapke Mobile Phone Mein Internet Connection Hona Zaroori Hai.


Mobile Banking se Humen Kaun-Kaun si Sevaayen Milti Hain?


Mobile Banking, Banking ko bahut saral aur aasaan bana deti hai.
Mobile Banking mein aapko bahut saari services di jaati hain.

  • Mobile Banking se Bank Account ka Mini-Statement Check Kiya Jaa Sakta Hai
  • Mobile Banking se Transactions History, Dekh Sakte Hain
  • Mobile Banking se Balance Enquiry Kar Sakte Hain
  • Mobile Banking se Kisi ko Bhi, Kisi Bhi Bank Account Mein Fund (Paise) Transfer Kar Sakte Hain.
  • Mobile Banking se Kai Tareeke se Paise Bheje Jaa Sakte Hain, Jaise NEFT, IMPS aur RTGS.
  • Mobile Banking se Kai Tarah ke Payments Kar Sakte Hain, Jaise Bill ka Payment kar Sakte Hain, Recharge Kar Sakte Hain.
  • Mobile Banking se Ticket Book Kar Sakte Hain, Jaise Train Ticket, Flight Ticket, Bus Ticket, Movies Ticket etc.
  • Mobile Banking se Debit Card ko Control Kiya Jaa Sakta Hai, Jaise Debit Card ko Activate aur Deactivate Kar Sakte Hain.
  • Mobile Banking se Aap Apna Bank Account Manage Aur Control Kar Sakte Hain.
  • Mobile Banking se Aap Bahut si Sevaaon ke Liye Nivedan Kar Sakte Hain, Jisko English Mein 'Service Request' Kaha Jaata Hai.
Har Bank Alag Tarah ki Mobile Banking Seva Deta Hai, Isliye Sabhi Bankon ki Mobile Banking Sevaaon Mein Fark Paaya Jaata Hai.
Agar Mobile Banking se 'Service Request' ki Baat ki Jaaye to Kuch Bankon ki Mobile Banking se Aap Online Apne Mobile Phone se Mobile Banking ki Madad se Debit Card ke Liye Request Kar Sakte Hain, Aur Debit Card Aapke Address Par Bhej Diya Jaayega. Aise Mein Aapko Debit Card Request ke Liye Bank ki Branch Mein Jaane ki Zaroorat Bhi Nahi Padegi. Isi Tarah Mobile Banking se Aap Online Apne Mobile Phone se Cheque book ke Liye Bhi Request Kar Sakte Hain. Iske Alaawa Aur Bhi Bahut si Service Request ki Jaa Sakti Hai, Jaise Kuch Bankon ki Mobile Banking se Email ID, Mobile Number ko Bhi etc. Bhi Update Kiya Jaa Sakta Hai.

Mobile Banking ke Kya Faide Hain?


Mobile Banking ke bahhut se faide hain jinmein se kuch yeh hain:

  • Mobile Banking hone se aapko transaction karne ke liye bank branch jaane ki zaroorat nahi hoti hai, jaise kisi account mein paise bhejne ke liye aapko bank branch jaane ki zaroorat nahi hogi.
  • Fund Transfer, jaise NEFT, IMPS aur RTGS aap bina bank ki branch mein gaye Mobile Banking se kar sakte hain.
  • Mobile Banking se aap kisi bhi tarah ki bill ka bhugtaan ghar baithe apne mobile phone se kar sakte hain.
  • Mobile Banking se aap ghar baithe apna mobile recharge aur DTH ka recharge bhi kar sakte hain.
  • Mobile Banking se aap UPI dwara kisi ko paise bhej sakte hain, sath hi aap doosron se paise receive bhi kar sakte hain.
  • Mobile Banking se aap ghar baithe apne mobile phone se ticket book kar sakte hain, jaise train ticket, flight ticket, bus ticket aur movies ticket etc.
  • Mobile Banking se aap ghar baithe apne mobile phone par apne bank account ka balance check kar sakte hain, Mini-Statement dekh sakte hain, sath hi account history bhi dekh sakte hain.
  • Mobile Banking se Debit Card ko activate aur deactivate aur control kiya jaa sakta hai, aur iske liye aapko bank branch jaane ki koi zaroorat nahi padti hai.
  • Mobile Banking se aap Cheque Book order kar sakte hain, jiske liye aapko bank branch jaane ki zaroorat nahi padegi aur aap apne mobile phone se Mobile Banking ke zariye kar sakte hain.
  • Mobile Banking mein aapko bahut si services free mein milti hain, jaise NEFT, IMPS etc. Agar Fund Transfer aap branch se jaakar karte hain to aapko iske liye kuch charge dena padta hai, lekin Mobile Banking se aap yeh free mein kar sakte hain.
  • Mobile Banking aapka time aur aapki mehnat bachaati hai, Mobile Banking hone se aapko bahut se kaamon ke liye bank ki branch mein jaane ki zaroorat nahi padti hai aur aap ghar baithe yeh sabhi kaam online apne mobile phone se hi kar lete hain.
  • Mobile Banking, Banking ko bahut aasaan bana deti hai, jisse aapko bahut saari sahoolaten milti hain.
  • Mobile Banking 24 ghante available hoti hai, jisse aap kabhi bhi transaction kar sakte hain, jabki agar Mobile Banking na ho to aapko bank se 24 ghante ki banking seva aapko nahi milti hai.
  • Mobile Banking se transactions karne mein time nahi lagega aur sabhi transactions tezi se hote hain.
Mobile Banking ka main maqsad Banking ko aasaan banana hai, jisse aapka time bhi bachta hai aur aapki mehnat bhi. Mobile Banking hone se aapko non-cash transactions ke liye apne bank ki branch mein jaane ki zaroorat nahi padti hai. Mobile Banking ka aaj ke time mein istemaal kaafi badh gya hai, jisse customers (graahkon) ko bhi raahat mili hai, aur bank employees ko bhi. Kyunki Mobile Banking ke hone se humen bank jaane ki zaroorat kam padti hai, hum tab hi bank jaate hain jab humko cash deposit karna ho ya cash withdrawal karna ho. Mobile Banking se aap non-cash financial transactions hi kar sakte hain.