Aap bank ke baare me zaroor jaante honge, jo ek normal bank hote hain jinko commercial bank ya regular bank kaha jaata hai. Regular Bank ya Commercial Bank ke baare me to hum sabhi jaante hain, kyunki Commercial Bank ka istemaal hum sabhi kar rahe hain aur inhi se hum apni banking ki zarooraton ko pura karte hain. Lekin pichle kuch saalon se kai tarah ke bank bana diye gaye hain, jinke baare me humen aksar confusion rahta hai ki yeh kaisa bank hai? yeh bank humen kaun-kaun si banking seva dega? kya yeh bank ek commercial bank ki tarah humari banking ki sabhi zarooraton ko pura karega? is tarah ke bahut saare sawal humare dimagh me aate hain.
Aapne pichle kuch salon me Payments Bank aur Small Finance Bank ke baare me zaroor suna hoga.
Payments Bank kya hota hai iske baare me hum pehle hi aapko bata chuke hain. Agar aapko nahi pata ki Payments Bank kya hota hai to aap humara yeh article padh ke Payments Bank ke baare me jaan sakte hain.
Payments Bank Kya Hota Hai?

 Is article me hum aapko Small Finance Bank ke baare me batayenge.


Small Finance Bank Kya Hota Hai?


 Small Finance Bank banking ka hi ek khaas hissa hai. Small Finance Bank Indian Government ki guidance ke under Reserve Bank of India (RBI) dwara banaya gya hai. Is Bank ko banaane ka maqsad financial inclusion (vittiya samavesh) hai, Small Finance Bank khaaskar un logon ko basic banking seva se jodne ke liye banaya gya hai jo banking se alag the.
Small Finance Bank un anubhagon (sections) ko mool banking gatividhiyon (basic banking activities) ke antargat laane ke liye banaya gya hai jo asevit (unserved) the, jaise chote vyapaar, chote kisaan, chote udyog (industries). asangathit chhetra ki sansthaayen (unorganized sector entities).
Aap isko aasan shabdon me is tarah samajh sakte hain ki Small Finance Bank, un logon aur aise sections ko basic banking sevaaon se jodne ke liye banaaya gya hai.
Is Bank ka mukhya uddeshya un logon tak banking sevaaon ko pahuchana hai jo banking sevaaon se vanchit hain, jaise chote vyaapar aur vyapaari, chote aur mamooli kisaan, chote aur laghu udhyog, aur asangathit sansthaayen yeh aise sections me aate hain jinko banking seva nahi milti hai aur yeh banking activities se alag rahte hain. Small Finance Bank in sabhi sections ko basic banking activities provide karta hai, jisse yeh sabhi sections banking se jud paate hain.
Small Finance Bank bhi commercial bank ki tarah basic banking sevaayen deta hai, jaise paise deposit karna aur loan ityadi dena jisko English me Lending bolte hain, isme bahut saari cheezen shamil hongi, jo bank ki taraf se diye jaane wale udhaar se sambandhit hain.
Small Finance Bank bhale hi commercial bank ki tarah savings aur lending facility provide kar raha ho, lekin phir bhi Small Finance Banks ko RBI dwara banaaye gaye kathor niyamon ka paalan karna hoga.
Small Finance Bank me koi bhi vyakti account khol sakta hai. Lekin Small Finance Bank chote vyapaar, chote aur laghu udyog, ya un logon ke liye accha hai jo chote vyapar karte hain. Agar aapka business bada hai aur aapko bade-bade transactions karne hote hain to behtar hai aap kisi commercial bank ko chune.

RBI ki taraf se jin Small Finance Banks ko manzoori mili hai woh yeh hain:



Filhal RBI ne in 10 Small Finance Bank ko license diya hai, aage Small Finance Bank ki sankhya badh bhi sakti hai aur humen aur bhi is tarah ke bank dekhne ko mil sakte hain.