Doosre Payments Bank ki tarah Paytm ka bhi apna khud ka Payments Bank hai. Bahut se log Paytm Wallet aur Paytm Payments Bank ke beech dhoka kha jaate hain aur dono ko ek jaisa hi samajh baithte hain. Kuch log yahi nahi samajh paate hain ki Paytm Payments Bank hota kya hai, aur yeh kaise kaam karta hai aur kis kaam me aata hai? 
Chunki Payments Bank ko aaye abhi kuch hi saal hue hain aur bahut se log iske baare me jaankari nahi rakhte hain isliye Payments Bank ko lekar unke dimagh me confusion rahta hai ki yeh kis tarah ka bank hai?
Paytm Payments Bank ko jaanne se pahle humen Payments Bank ke baare me jaanna zaroori hai.


Payments Bank Kya Hai?

Payments Bank doosre Banks ki tarah hi hote hain lekin Payments Bank doosre Banks ki tulna me low scale (छोटे पैमाने) par kaam karte hain. Payments Bank me lending ki suvidha nahi hoti hai yaani ki Payments Bank aapko loan ya Credit Card nahi de sakta hai. Payments Bank ko Banks ka ek naya model maana jaa sakta hai, jo Reserve Bank of India dwara banaya gya hai.
Yeh bank ek limited deposit ko accept karte hain, jo filhaal har grahak par 1 lakh hai. Matlab Payments Bank me agar kisi ka account hai to woh keval 1 lakh tak apne account me paise jama kar sakta hai, halanki yeh seema aane wale samay me bank ki performance ko dekhte hue badhai jaa sakti hai. Payments Bank me Savings aur Current dono accounts khole jaa sakte hain.
Payments Banks bhi doosre banks ki tarah Debit/ATM issue kar sakte hain, sath hi aapko Payments Bank me bhi Internet Banking aur Mobile Banking ki suvidha milti hai. Bharti Airtel ne India ka pehla Payments Bank launch kiya, isliye Airtel Payments Bank ko India ka pehla Payments Bank jaana jata hai.

Payments Bank banane ka main maqsad financial inclusion (वित्तीय समावेशन) ko badhana hai. Payments Bank ke zariye chote vyapar/vyapariyon, kam kamai wale gharon, pravasi shramik mazdooron (migrant labour workforce) aur doosre unorganized sector entities aur doosre users ko small savings account provide karke payment aur financial services ko badhana hi Payments Bank ka asal maqsad hai.
Payments Bank ke RBI zariye samaj ke har chote bade varg tak banking seva pahuchana chaahta hai aur sabhi ko banking facility se jodna chahta hai. 
RBI dwara banaye gaye niyam ke mutabiq Payments Bank ki 25% branches (shakhayen) aise areas me honi chahiye jahan bank branch maujood na ho, jaise remote area, rural (dehati, gaon) area.
Agar aapko Payments Bank ke baare me adhik jaankari chahiye to aap humare is article ko padhen.
Payments Bank Kya Hota Hai?
Ab jaan lete hain mi Paytm Payments Bank Kya Hai .

Paytm Payments Bank Kya Hai?

Paytm Payments Bank ek tarah ka bank hai jisko Payments Bank kaha jaata hai. Paytm Payments Bank me commercial banks jaise State Bank of India, Bank of Baroda, Punjab National Bank, HDFC Bank etc. bankon ki tarah bank account khola jaa sakta hai. Paytm Payments Bank me Savings aur Current dono tarah ke accounts khole jaa sakte hain.
Paytm Payments Bank me aap 1 lakh tak deposit rakh sakte hain.
Paytm Payments Bank me bhi aapko doosre bankon ki tarah bahut si services aur facilities milti hain.
Paytm Payments Bank me aapko Savings Account balance par 4% p.a. interest milega yeh interest har maheene ke pahle hafte me aapke Savings Account me jod diya jayega.
Paytm Payments Bank me aap zero balance se Savings Account khol sakte hain, aur isme aapko minimum balance bhi maintain karne ki zaroorat nahi hai aur minimum balance maintain nahi karne par aapse koi charge bhi nahi liya jayega.
Paytm Payments Bank me doosre bankon ki tarah aapko Debit Card ki facility bhi di jaati hai, sath hi aapko fixed deposit ki suvidha bhi milti hai. Iske alawa aapko Paytm Payments Bank me fund transfer seva jaise, NEFT, IMPS aur UPI bhi di jaati hai jisse ki aap apne Paytm Payments Bank account se kisi doosre ke bank account me paise bhej sakte hain.
Paytm Payments Bank ek tarah ka digital bank hai, Paytm Payments Bank ka account aap Paytm mobile app ya Paytm Payments Bank ki website se online khol sakte hain. Paytm Payments Bank ki desh bhar me do branch hain aur dono hi Noida me hain ek RTGS Head Office hai aur ek Noida Branch. Paytm Payments Bank Account ke liye home branch ki zaroorat nahi padti hai, Paytm Payments Bank me aapko online account kholna hota hai. Iske alawa Patym Payments Bank ke account me paise deposit (jama) sirf online maadhyam se ho sakta hai jaise UPI ya Debit Card se. Aisa isliye hai kyunki Paytm Payments Bank ne aisi koi branch nahi banai hai jahan aap jaakar directly apne Paytm Payments Bank ke account me paise deposit kar saken. Iske alawa agar paise withdraw (nikaalne) ki baat ki jaaye to aap Paytm Payments Bank se paise ATM dwara withdraw kar sakte hain ya phir aap apne Paytm Payments Bank account me pade paise ko apne kisi doosre bank account me transfer karke withdraw kar sakte hain.
Paytm Payments Bank me account free me khulta hai.
Paytm Payments Bank kya kisi bhi Payments Bank me aap 1 lakh se zyada balance nahi rakh sakte hain. Paytm Payments Bank account me agar aapne 1 lakh se zyada ka balance rakha to 1 lakh tak ka amount aapke Paytm Payments Bank account me jama rahega lekin 1 lakh se upar ka amount Paytm Payments Bank ke partner IndusInd Bank ke Fixed Deposit me chala jayega. Is Fixed Deposit par aapko IndusInd Bank dwara interest milega aur aap jab chahen apne Fixed Deposit ka amount free me redeem kar sakte hain.
Paytm Payments Bank me aapko filhaal Savings Account par Chequebook facility nahi milti, iske alawa aapko Demand Draft facility bhi nahi milti hai. Lekin jaldi hi yeh facilities bhi aapko milne lagengi.
Paytm Payments Bank me Savings Account kholne ke liye pahle KYC karana padta hai, aur bina KYC process pura kiye aap Paytm Payments Bank me Savings Account nahi khol sakte hain. Doosre Payments Bank ki tarah Paytm Payments Bank me bhi aapko lending seva yaani loan aur Credit Card nahi milega. Paytm Payments Bank me aapko physical Passbook nahi diya jayega, apne account ke sabhi transactions ko aap apne Paytm Payments Bank ke digital Passbook me online dekh sakte hain. 
Paytm Payments Bank me Current Account kholne ke liye pahle online request submit karna hota hai.
Paytm Payments Bank me Savings Account kholna bahut aasan hota hai lekin iske liye pehle aapko Paytm Wallet ka account banana hoga aur aapko KYC process ko complete karna hoga, tabhi aap Paytm Payments Bank ka Savings Account khol sakte hain. 


Paytm Payments Bank me Kya-Kya Facilities Hoti Hain?

Savings Aur Current Account: Paytm Payments Bank me aapko dono tarah ke account provide kiye jaate hain, Savings aur Current Account. Savings Account Balance par Paytm Payments Bank 4% p.a. (salana) interest deta hai jo har maheene ke pahle hafte me aapke account balance me jod diya jata hai. Cuurent Accont me aapko koi interest nahi milta hai. 

RuPay Debit Card: Paytm Payments Bank aapko RuPay ka Debit Card provide karta hai, jisse aap ATM se paise nikaal sakte hain aur online payment kar sakte hain.
Paytm Payments Bank aapko free me Virtual Debit Card dega jo aapke mobile phone me Paytm app me hoga, aap is Debit Card se sirf online payment kar sakte hain. Agar aapko Physical Debit Card ki zaroorat ho to aap Paytm app se online order kar sakte hain. Physical Debit Card ko issue karne ka Rs. 125 charge hai aur uske baad Rs. 100 har saal Debit Card ke liye charge lagega.

Fixed Deposit: Paytm Payments Bank me aapko 'Fixed Deposit' ki facility bhi milti hai, aap apne account balance ko 'Fixed Deposit' me jama karwa sakte hain aur Savings Account Balance se zyada ka interest paa sakte hain. Paytm Payments Bank Savings Account Balance par per annum (salana) 4% interest deta hai aur Fixed Deposit par 8% interest deta hai.

Fund Transfer: Paytm Payments Bank account se agar aap kisi doosre bank account me paise bhejna chahen to aapko NEFT, IMPS, aur UPI ki facility milti hai jiske zariye aap kisi bhi bank account me paise bhej sakte hain aur yeh sabhi online hain aur free hain iska koi charge aapse nahi liya jaayega.

Payment Request (NACH): Isko pehle ECS bola jaata tha, lekin abhi is system update karke isko NACH bana diya gya hai. ECS ka full-form hota hai 'Electronic Clearing Services' iska istemal aise payment ke liye kiya jaata hai jo ek fix time me bar-bar karna padta hai, jaise bill payment. ECS kaafi purana system tha aur isme kaafi time lagta tha isliye isko update kar diya gya aur ab isko NACH yaani 'National Automated Clearing' house kahte hain, halanki aaj bhi ECS ka istemal kiya jata hai.

Passbook: Paytm Payments Bank me aapko physical passbook nahi milega. Lekin aapko digital passbook diya jayega jo ki aapke mobile me Paytm app me hoga jahan se aap apne account ke sabhi transactions dekh sakenge. Yeh passbook real time me update hota rahta hai, matlab jab bhi aap apne account se koi transaction karte hain to usi time woh aapke passbook me chadh jayega.


Kya Paytm Payments Bank ek Normal Bank ki Tarah Hai?

Jaisa ki humne pahle hi aapko Payments Bank ke baare me bata diya hai ki yeh Normal yaani ki Commercial Banks jaise SBI, ICICI, HDFC, PNB ki tarah hi hote hain. Lekin Commercial Banks aur Payments Bank me bahut bada fark bhi hai, ek taraf jahan aap Payments Bank me 1 lakh se zyada ka balance nahi rakh sakte hain to wahin Commercial Banks me is tarah ki koi limit nahi hai aur jitne chahe balance apne account me rakh sakte hain.
Commercial Bank aapko Loan aur Credit Card issue kar sakte hain jabki Payments Bank ko RBI dwara banaye gaye niyamon ke anusar Loan ya Credit Card jaari karne ka adhikaar nahi hai.
Paytm Payments Bank par bhi Payments Bank ke sabhi niyam lagu hote hain is wajah se Paytm Payments Bank account me deposit limit 1 lakh hai, aur Paytm Payments Bank kisi tarah ka Loan approve nahi karta hai aur na hi Credit Card issue karta hai.
Jabki Commercial Banks Loan bhi approve karte hain aur Credit Card bhi issue karte hain aur Commercial Banks ke accounts me deposit ki koi limit nahi hoti hai.
Paytm Payments Bank ki branches nahi hai keval ek hi branch hai aur ek head office jo ki dono Noida me hai.
Lekin Commercial Banks jaise SBI, PNB, Bank of Baroda, HDFC, ICICI etc. banks ki branches aapko desh bhar ki alag-alag cities me dekhne ko milengi.
Paytm Payments Bank abhi aapko Savings Account par Chequebook aur Demand Draft nahi provide kara raha hai, halanki ho sakta hai yeh facility jald hi aajaye lekin filhaal abhi nahi hai.
Jabki Commercial Banks me aapko Chequebook aur Demand Draft ki facility milti hai.
Paytm Payments Bank aapko sirf RuPay Debit Card ki provide kar raha hai, lekin Commercial Banks me aapko RuPay Card ke alawa doosre option bhi milte hain, jaise Visa aur Mastercard.
Paytm Payments Bank me aapko sabhi transactions online hi karne honge, lekin Commercial Banks me offline transactions bhi kar sakte hain.
Paytm Payments Bank account me aap cash deposit nahi kar sakte hain aur na isse withdrawal kar sakte hain. Paytm Payments Bank account me aapko online paise jama karne honge iske liye aap UPI, Debit Card ya kisi doosre bank account ka istemaal kar sakte hain. Isi tarah agar aapko Paytm Payments Bank se cash withdraw karne hain to aapke paas Paytm Payments Bank ka Debit/ATM Card hona chahiye jisko aap kisi bhi bank ke ATM me istemaal karke paise nikaal sakte hain, lekin agar aapke paas Paytm Payments Bank ka Debit/ATM Card nahi hai to aap apne Paytm Payments Bank account ke paise ko apne kisi doosre bank account me transfer karke withdraw kar sakte hain.
Jabki Commercial Bank me aisa nahi hai aap bank branch jaakar bhi apne account me paise jama kar sakte hain aur online maadhyam jaise, NEFT, IMPS, RTGS, UPI etc. ke zariye bhi kar sakte hain. Aur isi tarah agar aapka account kisi Commercial Bank me hai to aap bank ki branch me jaakar bhi cash withdraw kar sakte hain.
Yeh the Paytm Payments Bank aur Commercial Banks ke kuch major aur basic difference.


Paytm Wallet Aur Paytm Payments Bank me Kya Fark Hai?

Paytm Wallet:
Paytm Wallet ek Digital Wallet app hai isme aap online paise add karna hota hai uske baad aap Paytm Wallet ko online payment ke liye istemaal kar sakte hain jaise utility bills ka payment, ticket booking, recharges etc. kar sakte hain.
Paytm Wallet se fund transfer bhi kar sakte hain isse aap kisi doosre ke Paytm Wallet me paise bhej sakte hain iske alawa aap UPI ki madad se Paytm Wallet ke balance ko bank account me bhi transfer kar sakte hain is tarah se aap Paytm Wallet se kisi ke bank account me bhi paise bhej sakte hain. Paytm Wallet se aap online products bhi purchase kar sakte hain. Paytm Wallet se Paytm merchants ko QR Code ke zariye bahut hi kam time me payment kar sakte hain.
Paytm Wallet (बटुए) ko aap apni jeb me pade Wallet (बटुए) ki tarah hi samajhiye ki jab usme paise hote hain to aap un paison ko apni zaroorat ke mutabiq kahin na kahin kharch karte hain to is tarah se aap Wallet me moujood paison se payment karte hain. 
Paytm Wallet bhi isi tarah ka hota hai pehle aapko isme online maadhyam se paise add karne hote hain phir unka istemaal online payment ke liye karte hain. Paytm aaj ke samay me sabse zyada popular Digital Wallet aur Payment App maana jata hai. 
Paytm Wallet ke baare me humne ek article pahle hi publish kar diya hai, agar aapko Paytm Wallet ki puri jaankari chahiye to is article ko padhen.
Paytm Kya Hai? - Paytm Kyun Use Kiya Jaata Hai? - Paytm Istemaal Karne ke Kya Faide Hain?
Paytm Wallet aur Paytm Payments Bank me bahut bada fark hai yeh dono ek doosre se ekdam alag hain. Paytm Wallet ke baare me to aap jaan gaye hain aur Paytm Payments Bank ke baare me bhi humne aapko bata diya hai, lekin phir bhi hum aapko inke beech ka fark batayenge.

Paytm Payments Bank
Paytm Payments Bank ek tarah ka bank hai jisko hum 'Payments Bank' ke naam se jaante hain. Paytm Wallet sirf ek Digital Wallet hai jisme aap paise add karte hain aur usse online payment karte hain. Lekin Paytm Payments Bank me aap apna Savings ya Current Account khol sakte hain. Paytm Payments Bank me aapko banking ki suvidhayen milengi, jabki Paytm Wallet me aap kisi tarah ka Savings ya Current Account nahi khol sakte hain, aur Paytm Wallet me aapko kisi tarah ki banking suvidha bhi nahi milegi.
Paytm Payments Bank me aapke Savings Account ke balance aur Fixed Deposit par aapko byaj milti hai, jabki Paytm Wallet me yeh facility hai hi nahi.
Paytm Payments Bank aapko Debit Card issue kar sakta hai, lekin Paytm Wallet se aap Debit Card issue nahi kara sakte hain.
Paytm Payments Bank aapko banking seva ke sath banking facility jaise, Savings aur Current Account, Debit Card, Fixed Deposit, Fund Transfer jaise NEFT, IMPS aur UPI ki suvidhayen deta hai.
Lekin agar Paytm Wallet ki baat karen to aapko isme sirf payment suvidha milti hai jisse ki aap online payments kar sakte hain, jaise utility bills, ticket booking, recharges, online kharidari etc. aur UPI ki madad se kisi ko paise bhej sakte hain.

Paytm Payments Bank me Savings Account Kholne ke Kya Faide Hain?

Agar aap Paytm Payments Bank me Savings Account kholte hain to aapko bahut se faide milenge jo doosre kisi bank me nahi milte hain, aur wo faide yeh hain:

  • Zero balance account 
  • Kisi tarah ka minimum balance account me rakhna zaroori nahi hai
  • Online account khola jaa sakta hai, bina kisi tarah ka paper form bhare
  • Sabhi online transactions jaise NEFT, IMPS aur UPI free hain
  • Savings Account me jama raashi par 4% saalana byaj milega
  • Fixed Deposit par 8% tak byaj diya jayega
  • Account kholne par Digital Debit Card diya jayega jo ki Paytm app me hi hoga aur yeh bilkul free hoga
  • Physical Debit Card bhi diya jaata hai jo aapko order karna padta hai

Paytm Payments Bank ke Rates & Charges

  • SMS Alert: Free
  • Digital RuPay Card: Free
  • Physical Debit Card: 125 Rupees issue karane ke uske baad har saal 100 Rupees maintenance charge lagega
  • Card Replacement: 125 Rupees
  • Online Fund Transfer: NEFT free hai chaahe jitni bar karen, isi tarah unlimited free transfer IMPS aur UPI ke zariye bhi milte hain
  • Paytm to Paytm Fund Transfer: Unlimited Free, chaahe Paytm Payments Bank account se kisi doosre Paytm Payments accont me transfer karen ya Paytm Payments Bank account se Paytm Wallet me.
  • Online Passbook: Free
  • Email Statement: Free
Paytm Wallet se Paytm Payments Bank account me paise bhejne par 4% charge lagega.


ATM Transaction Charges:

Metro cities jaise,  Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad in shahron me har maheene ATM se 3 bar free transaction kar sakte hain, uske baad ATM se paise nikaalne par 20 Rupees charge + GST lagega.
Aur isi tarah free limit khatm ho jaane ke baad ATM se Mini Statment dekhne par, Balance Check karne par aur PIN Change karne par 8 Rupees charge + GST dena hoga.
Metro cities ke alawa har maheene ATM se 5 transactions free milte hain, uske baad aapko ATM dwara kiye gaye har transactions ke liye charge dena padta hai.
5 free transactions ke baad aapko ATM se paise nikaalne par 20 Rupees charge + GST dena hota hai.
Aur isi tarah 5 free transactions ke baad  ATM  se Mini Statement dekhne par, Balance Check karne par aur PIN Change karne par 8 Rupees charge + GST lagta hai.