Shin kuna gundura da ajiye kuɗi kaɗan a asusun bankin ku?
Shin kun gaji da biyan fansa saboda rashin kiyaye wannan ma'auni?
Ba kai kaɗai ba, ko da yake. Yawancin Indiyawan suna kokawa don samun mafi ƙarancin kuɗi a asusun ajiyarsu na banki, amma tare da bullar asusun ajiyar kuɗi na banki, wannan ba batun bane.
Wannan sakon zai shiga cikin manyan manyan asusun banki na sifili guda tara a Indiya, da kuma halayensu da yadda za su iya taimaka muku. Mun rufe komai daga bankuna mallakar gwamnati zuwa bankunan kasuwanci. Asusun banki mara sifili shine kyakkyawan zaɓi ga duk wanda ke ƙoƙarin yin ajiye kudi, ko kai ɗalibi ne, ɗan ƙaramin kamfani, ko kuma mai neman tara kuɗi kawai.
Don haka ku zauna, ku huta, kuma bari mu fara neman mafi kyawun asusun banki na sifili!
Equitas Bank Digital Savings Account
Tun lokacin da aka kafa shi a cikin 2007, Bankin Equitas ya ba abokan cinikinsa zaɓuɓɓukan banki na zamani. Asusun ajiyar kuɗin dijital su ɗaya ne irin wannan zaɓi, wanda ya dace ga waɗanda suke son sauƙin yin banki daga gida. Wannan asusun yana da sauƙi don saitawa kuma ba shi da ƙaramin ma'auni; Abinda kawai kuke buƙata shine PAN ɗinku da katin Aadhaar.
Bugu da ƙari, babu buƙatar ziyartar kowane rassan jiki saboda asusun gaba ɗaya dijital ne. Ta hanyar aikace-aikacen hannu na banki, wanda ke aiki da na'urorin iOS da Android, zaku iya sarrafa asusunku kawai.
Bankin kuma yana ba da garantin asusu kyauta na tsawon rai da cikakken bin KYC ga kowane asusu. Yana da kyakkyawan zaɓi ga mutanen da ba su da lokaci waɗanda suke daraja ta'aziyya da sauƙi.
- Mafi ƙarancin Ma'auni:- Nil
- Kudade da Caji:- Nil (Babu ɓoyayyiyar caji)
- Sauƙin buɗewa da kula da asusu:- Asusun ajiyar dijital na Bankin Equitas cikakken asusun dijital ne wanda za'a iya buɗe shi cikin sauƙi akan layi ta amfani da katin PAN da Aadhaar kawai. Babu buƙatar ziyartar reshe.
- Farashin Riba:- Ana ƙididdige riba a cikin kwata. Abubuwan da ake biyan riba.
Har zuwa ₹ 1 lakh 3.50% ₹ 1 lakh - 5 lakhs 5.25% Sama da ₹ 5 lakhs 7.00% - Cire Kuɗi na ATM:- Kyauta ga nasu ATMs. Don sauran ATMs, ana ba da izinin ma'amaloli 3 da ma'amaloli 5 a cikin biranen metro da waɗanda ba na metro ba, bi da bi.
- Katin zare kudi:- Akwai nau'ikan katunan zare kudi guda 5 (Visa Classic, Visa Gold, Visa Platinum, Sa hannu na Visa) (Caji ya bambanta daidai)
- Duba Littafi:- Littafin dubawa guda kyauta kyauta a kowace shekara.
- Ayyukan Banki na Dijital:- Kasuwancin NEFT/IMPS/RTGS kyauta tare da bankin yanar gizo, amma ana iya biyan kuɗi don ma'amalar reshe.
- Abinda ya cancanta
- Sama da shekara 18
- mazauna Indiya
- PAN da katin Aadhaar ana buƙata
- Benefarin fa'idodi
- Kayan aiki na asusun haɗin gwiwa
- Janye Kuɗi Mai Sauƙi
- Canja Daidaita
- Paarancin Paan takarda
- Ƙananan farashin aiki
AU Small Finance Bank Digtal Account
Babban Bankin Kuɗi na AU ya yi suna a sararin bankin dijital ta hanyar ƙaddamar da asusun ajiyar kuɗi da yawa don biyan bukatun abokan ciniki daban-daban. Asusun dijital na sifilin ma'auni na bankin, wanda aka sani da AU Digital, yana ba da hanya mai sauƙi kuma mai sauƙi ga abokan ciniki don yin duk ayyukan banki da kuɗin kuɗi ta hanyar kiran bidiyo.
Wannan yana nufin cewa abokan ciniki za su iya samun warware tambayoyinsu ta hanyar ma'aikacin banki kai tsaye, ba tare da ziyartar reshe ba.
Bugu da ƙari, bankin ya ƙaddamar da wasu zaɓuɓɓukan asusun dijital kamar su Platinum da Royale, kowanne yana ba da takamaiman buƙatu da samar da fa'idodi na musamman ga abokan ciniki. Tare da asusun dijital na AU Small Finance Bank, abokan ciniki za su iya jin daɗin sauƙin banki daga jin daɗin gidajensu.
- Mafi ƙarancin Ma'auni: - Nil
- Kudade da Caji:- Nil
- Sauƙin buɗewa da kula da asusu:- Ana iya buɗe wannan asusun na dijital ta hanyar kiran bidiyo tare da jami'an banki, ta amfani da PAN da katin Aadhaar a matsayin takaddun da ake buƙata kawai.
- Farashin Riba:- Ana ƙididdige ribar kowane wata, a farashin masu zuwa:
- Cire Kuɗin ATM:-Ma'amaloli na kyauta mara iyaka a AU Small Finance ATMs da sauran ATM na banki.
- Katin zare kudi:- Rupay Platinum Debit Card. Bayarwa da cajin shekara-shekara na Rs. 150+ GST
- Duba Littafi:- Ana ba da ganye 25 kyauta a kowace shekara.
- Ayyukan Banki na Dijital:-Kasuwancin NEFT/IMPS/RTGS kyauta ta hanyar banki ta yanar gizo ko kiran bidiyo.
- Abinda ya cancanta
- Sama da shekara 18
- mazauna Indiya
- PAN da katin Aadhaar ana buƙata
- Benefarin fa'idodi
- Samun shiga falon filin jirgin sama - ziyara biyu a kowace kwata.
- Ayyukan banki na bidiyo da ma'amaloli.
- 24×7 samun kuɗi ta hanyar wayar hannu ta banki da tashar banki ta kan layi.
- Faɗin samfuran da suka haɗa da kabad, Demat, juna kudi, lamuni, da inshora.
- Kwarewar banki mara takarda.
Basic Savings Account
Bankin Jiha na Indiya, wani lokaci ana kiransa da SBI, suna ne da ke da alaƙa da dogaro da dogaro. SBI ta kasance sama da shekaru 200 kuma ta daure ta zama daya daga cikin manyan bankunan kasar nan. Babban Asusun ajiya na Banki na Savings, wanda galibi ake kira da asusun PM Jan Dhan Yojana, yana ɗaya daga cikin sanannun samfuran bankin. Wannan asusun ajiya mai sauƙi ba shi da ma'auni kuma an yi shi ne ga mutanen da ke son zaɓin banki mai sauƙi.
Wannan shirin da gwamnati ta dauki nauyinsa ya shafi kungiyoyin masu karamin karfi a cikin al'umma a kokarin inganta tanadi a tsakanin su ba tare da sanya su damuwa game da mafi ƙarancin hukunci ba. Ana iya buɗe asusun a kowane banki na SBI, wanda ke da wurare sama da 22,000 a duk faɗin Indiya. Asusun yana da kyau ga mutanen da ke son kiyaye kuɗin su kai tsaye da tsari mai kyau ko kuma waɗanda suke so su fara tanadi don gaba.
- Mafi ƙarancin Ma'auni:- Nil.
- Kudade da Caji:- Nil
- Sauƙin buɗewa da kula da asusu:- Don buɗe asusu, abokan ciniki kawai suna buƙatar cike fom ɗin aikace-aikacen kuma su samar da mahimman takaddun shaida da adireshi, kamar
- Katin Aadhaar, Katin Zabe, Katin PAN, ko lasisin tuƙi.
- Ana kuma buƙatar hotuna masu girman fasfo guda biyu.
- Farashin Riba:- Abokan ciniki masu ma'auni na akalla rupees lakh 1 suna samun riba na 3.25%, yayin da waɗanda ke da ƙasa ke samun 3.50%.
- Cire Kuɗin ATM:- Abokan ciniki suna da damar cirar ATM kyauta 4 kowane wata, gami da cirewa daga SBI da sauran ATM na banki. Trancen da ya wuce iyaka na kyauta zai haifar da kuɗin INR 20 da 18% GST.
- Katin zare kudi:- Abokan ciniki na iya neman katin zare kudi na RuPay kyauta wanda bashi da AMC (Caji na Kulawa na Shekara-shekara).
- Duba Littafi:- Babu
- Ayyukan Banki na Dijital:- Ayyukan canja wurin kuɗi na lantarki kamar NEFT da RTGS kyauta ne don amfani.
- Sharuɗɗan cancanta:-Duk wani ɗan Indiya mazaunin da ke da mahimman takaddun KYC, kamar katin PAN ko katin Aadhaar, na iya buɗe asusu.
- Sharuɗɗa da sharuddan:- Abokan ciniki ba za su iya riƙe duk wani asusun ajiyar kuɗi tare da banki ba yayin da suke da asusun ajiyar kuɗi na Babban Savings Bank. Idan sun riga suna da asusun ajiyar kuɗi, dole ne su rufe shi a cikin kwanaki 30 da buɗe asusun BSBD.
Fi Kudi
- Mafi ƙarancin Ma'auni:– Nil
- Kudade da Caji:- Babu ƙarin caji don damuwa. Koyaya, ƙaramin kari na 2.5% ko Rs. 10 (kowane mafi girma) za a shafa a gidajen mai.
- Sauƙin buɗewa da kulawa:- Don buɗe asusun ajiyar kuɗi na sifili tare da Fi, duk abin da za ku yi shine zazzage app akan na'urar ku ta android ko IOS. Tun da an tsara app ɗin musamman don ƙwararrun masu aiki, za a gudanar da tsari mai sauƙi don tabbatar da matsayin aikin ku, wanda bai kamata ya ɗauki fiye da mintuna 5 ba.
- Interestimar sha'awa:- 2.4% don ma'auni a ƙarƙashin 5 crore
- Cire Kuɗi na ATM:- Cire kudi a ATM na Bankin Tarayya kyauta ne. A wasu ATMs, za ku iya yin mu'amala guda biyar kyauta kowane wata, bayan haka za a yi amfani da kuɗin ₹20 kowace ciniki.
- zare kudi da katin:- Lokacin da ka buɗe Asusun Tattalin Arziki na Fi, za ka karɓi Katin Debit na VISA Platinum na kyauta ba tare da bayarwa ko kuɗin kulawa na shekara-shekara ba kuma babu kuɗin ciniki na ƙasa da ƙasa.
- Duba Littafi:- Zaku sami littafai guda biyu masu dauke da ganyen cak guda biyar, ana kawo muku kofar gida duk bayan wata shida kyauta.
- Ayyukan Banki na Dijital:- NEFT da RTGS ana samun ma'amala ta kan layi ba tare da ƙarin kuɗi ba.
- Sharuɗɗan cancanta:- Don buɗe Asusun Tattalin Kuɗi na FI, kuna buƙatar samar da takardu masu zuwa:
- 2 hotuna masu girman fasfo
- Tabbacin adireshin (Katin Aadhaar, katin shaidar zabe, ingantaccen lasisin tuki, fasfo, katin aikin NREGA wanda jami'in gwamnati ya sanyawa hannu)
- Benefarin fa'idodi
- Yi farin ciki da sauƙi na babu rassa na zahiri ko dogayen takardu,
- zane mai sauƙi don amfani,
- da abubuwan ƙarfafawa kamar tsabar tsabar Fi, waɗanda za a iya fansa a zaɓaɓɓun dillalai.
- Za a kuma ba ku mataimaki na sirri don taimaka muku da asusunku.
Mataki na 811 Digital Bank Account
Bankin Kotak Mahindra, suna mai suna a cikin masana'antar banki ta Indiya, yana ba da mafita na banki na dijital na musamman tare da Asusun Bankin Dijital na Kotak 811. Wannan sabon asusun yana zuwa cikin bambance-bambancen guda uku daban-daban, kowanne an keɓe shi don biyan takamaiman bukatun abokan cinikinsa. Matsayin Tabbatar da Sanin Abokin Cinikinku (KYC) da ake buƙata don kowane bambance-bambancen ya bambanta, tare da ingantaccen tabbaci yana haifar da samun dama ga ƙarin ayyuka.
Cikakken bambance-bambancen KYC na asusun Kotak 811 yana da mahimmanci musamman, saboda shi ne asusun sifili-ma'auni wanda ke ba abokan ciniki fa'idodi da ayyuka masu fa'ida da yawa duk da rashin buƙatar kowane ma'auni. An tsara wannan asusun don waɗanda ke neman dacewa da ƙwarewar banki mara wahala. Tare da cikakken bambance-bambancen KYC na Kotak 811, abokan ciniki za su iya jin daɗin cikakkiyar sabis na banki na dijital yayin da suke samun inshorar kuɗinsu har zuwa ƙayyadadden ƙayyadaddun ƙa'idodin RBI.
- Mafi ƙarancin Ma'auni:– Nil
- Kudade da Caji:- Babu wani boye kudade
- Sauƙin buɗewa da kulawa:- Tsarin kan layi mai sauri da sauƙi don buɗe asusun Kotak 811 ba tare da buƙatar rassan jiki ko babban takarda ba
- Interestimar sha'awa:-Sha'awa mai ban sha'awa na 3.5% don adibas har zuwa 50 lahks da 4% don adibas sama da wannan adadin
- Cire Kuɗi na ATM:- Babu cajin cire kudi
- zare kudi da katin:- Akwai katin da aka riga aka biya na gaske, da zaɓi don ƙara katin zare kudi na zahiri tare da kuɗin shekara na INR 299 (gami da GST)
- Duba Littafi:- INR 3 a kowace ganyen cak
- Ayyukan Banki na Dijital:- Ma'amaloli masu dacewa akan layi tare da NEFT/RTGS/IMPS ana samunsu ba tare da ƙarin farashi ba
- Sharuɗɗan cancanta:- Don cancanci samun asusun Kotak 811, dole ne ku kasance:
- 18 shekarun da suka wuce
- Kasance da ingantaccen Aadhaar da katin PAN
- Wani mazaunin Indiya mai adireshin Indiya
- A halin yanzu ba a riƙe kowace alaƙa ta baya da Bankin Kotak Mahindra
- Benefarin fa'idodi
- 24/7 samun damar shiga asusun ku ta hanyar intanet da banki ta hannu
- Sama da fasalulluka 180 da suka haɗa da biyan kuɗi, zaɓuɓɓukan saka hannun jari, da ƙari
- Amintaccen ƙa'ida tare da ingantaccen abu biyu da haɗin haɗin mai amfani
Indus Digi-Start: Asusun Taimako na Dijital
Bankin IndusInd yana da dogon tarihi na samar da sabbin hanyoyin banki don biyan buƙatun abokan ciniki daban-daban. Ɗayan irin wannan sadaukarwa shine Asusun Taimako na Bankin IndusInd, wanda ke ba da zaɓuɓɓuka da yawa da za a zaɓa daga ciki, ya kasance don rayuwa mai mahimmanci ko don gudanar da kasuwanci.
Tare da Asusun ajiyar Bankin IndusInd, abokan ciniki za su iya jin daɗin sassauƙa da sauƙi na banki tare da ɗaya daga cikin manyan bankunan kamfanoni masu zaman kansu na Indiya. Daga gata kamar samun damar banki 24/7, sadaukarwar manajan dangantaka, da tayi na keɓancewa, Asusun ajiyar banki na IndusInd shine cikakken zaɓi ga duk wanda ke neman cikakkiyar ƙwarewar banki.
- Mafi ƙarancin Ma'auni:- Ana buƙatar ajiya na farko na INR 20,000 don buɗe asusun ajiyar dijital na Indus
- Kudade da Caji:- Ji daɗin duk fa'idodin wannan asusun ba tare da cajin rashin kulawa ba bayan ajiyar farko
- Sauƙin buɗewa da kulawa:- Buɗe asusun ajiyar dijital tare da Bankin IndusInd ba tare da taɓa ƙafa ba a reshe na zahiri. Kawai cika fom ɗin aikace-aikacen kan layi kuma sami Aadhaar da katin PAN ɗin ku.
- Interestimar sha'awa:- Sami riba 3.50% akan ma'auni har INR 1 lakh
- Cire Kuɗi na ATM:- Cire tsabar kuɗi kyauta a kowane ATM a Indiya ta amfani da katin zare kudi na Bankin IndusInd
- zare kudi da katin:- Karɓi katin zare kudi na titanium akan INR 249 + GST. Katin kuma ya haɗa da ɗaukar alhakin INR 1 lakh da siyan kariyar INR 50,000
- Duba Littafi:- An haɗa littafin rajistan kyauta tare da asusun
- Ayyukan Banki na Dijital:- Yi amfani da Bankin IndusInd QuickPay don sauƙi da sauri canja wurin kuɗi ta hanyar SMS, imel, ko dandamali na zamantakewa ba tare da buƙatar bayanin asusun banki mai karɓa ba
- Sharuɗɗan cancanta:- Don buɗe asusun ajiya na Diji-fara Indus, dole ne ku sami:
- Ingantacciyar lambar Aadhaar mai alaƙa da lambar wayar ku
- Kwafin zahiri na katin PAN na ku
- Kamara a kan na'urar hannu ko tebur
- Benefarin fa'idodi
- Cashback: INR 500 akan ma'amaloli daban-daban kamar caji da ajiyar taksi
- Ma'amaloli na musamman: Abubuwan bayarwa akan tafiye-tafiye, salo, da siyayya lokaci-lokaci
- Zaɓi don zaɓar lambar asusun ku, ko lambar wayar ku, ranar haihuwa, ko lambar sa'a da kuka zaɓa!
DBS Digi Savings Bank Account
Babban Babban Bankin Kuɗi na Asiya DBS yana ba da asusun ajiyar dijital wanda aka ƙirƙira don biyan bukatun mutane masu fasaha na zamani. Babu ƙaramin ma'auni da ake buƙata don ƙirƙira ko kiyaye asusun ajiyar banki na DBS Digi Savings yana aiki saboda asusun ma'auni ne. Ana iya shiga wannan asusun ta hanyar amfani da tashoshi na dijital na bankin, gami da bankin wayar hannu da banki ta intanet, kuma yana da sauƙin buɗewa ba tare da buƙatar kowane takarda ba. Kuna iya aiwatar da ayyuka cikin sauƙi da suka haɗa da adibas, cirewa, da canja wurin kuɗi ta amfani da Asusun Bankin Savings Digi na DBS.
Har ila yau, asusun ya zo tare da katin zare kudi na kyauta da littafin wucewa wanda za ku iya amfani da shi don bukatun ku na banki na yau da kullum. Bugu da ƙari, abokan ciniki kuma za su iya jin daɗin fa'idodin DBS' International Platinum Debit Card, wanda ke ba da kyauta da fa'idodi da yawa a duk faɗin Asiya, gami da cashback akan duk kashe kuɗi, keɓantaccen ma'amaloli don siyayya, balaguro, da nishaɗi, mafi girman cirewa da iyakokin kashe kuɗi, da m farashin musayar waje.
- Mafi ƙarancin Ma'auni:– Nil
- Kudade da Caji:- Kudaden sifili don buɗe asusu ko kiyayewa
- Sauƙin buɗewa da kulawa:- Sauƙaƙa buɗe asusun ajiyar dijital na dijital tare da Bankin DBS ta ziyartar gidan yanar gizon ko amfani da wayar hannu. Tabbatar cewa kuna da Katin PAN ɗinku, ID, da kuma tabbacin takaddun adireshi a shirye don tsari mara kyau.
- Interestimar sha'awa:- Ji daɗin ƙimar riba na 3.25% akan adibas har zuwa INR 1 lakh, tare da biyan riba akan kwata ko wata kamar yadda bankin ya ƙaddara.
- Cire Kuɗi na ATM:- Cire kyauta mara iyaka ta hanyar ATMs da sauran tashoshi.
- zare kudi da katin:- Karɓi kyautar DBS International Platinum Debit Card tare da asusunku
- Duba Littafi:- An bayar da littafin duba kyauta tare da asusun ku
- Ayyukan Banki na Dijital:- Ji daɗin sabis ɗin canja wurin kuɗi na kan layi kyauta tare da RTGS, IMPS, da NEFT.
- Sharuɗɗan cancanta:- Duk wanda yake mazaunin Indiyawa, NRI, Iyali marar Rarraba Hindu, ko ɗan ƙasar waje zai iya buɗe asusun ajiyar kuɗi tare da Bankin DBS. Kuna buƙatar samar da shaidar ainihi da adireshi daidai da buƙatun KYC.
- Benefarin fa'idodi
- Iyakar ajiya mara iyaka na wata-wata
- Littafin fasfo na kyauta don sauƙin bin lissafi
- Yi amfani da asusun ku don ma'amala ta yau da kullun, kamar ajiya, cirewa, da turawa.
- Bayanan kyauta kowane wata
- Maye gurbin katin da ya ɓace, sata, ko lalacewa ba tare da tsada ba
HDFC Basic Saving Account
Ɗaya daga cikin manyan bankunan kamfanoni masu zaman kansu a Indiya, HDFC Bank, yana ba da Asusun ajiya na banki na Asali (BSBDA) wanda ke nufin ya dace da ainihin bukatun banki na mutane. Wannan asusun yana buɗewa ga masu amfani iri-iri saboda babu ƙaramin ma'auni.
Abokan ciniki na iya samun dama ga sabis na banki iri-iri, gami da bankin dijital da ma'amalar ATM, a rassa da wurare da yawa a duk faɗin Indiya tare da asusun BSBDA. Abokan ciniki za su iya amincewa cewa kuɗin su yana da aminci a cikin wannan asusun tunda HDFC Bank yana da suna don dogaro da tsaro. Wannan asusun yana da kyau ga mutanen da ke neman hanya madaidaiciya kuma mai amfani don sarrafa kuɗin su.
- Mafi ƙarancin Ma'auni:– Nil
- Kudade da Caji:- Babu wasu kudade da ke da alaƙa da buɗe Asusun ajiyar kuɗi na Babban Savings Bank tare da Bankin HDFC. Ƙari ga haka, za a ba ku katin zare kudi ba tare da tsada ba.
- Sauƙin buɗe asusun ajiya da kiyayewa
- Kuna iya zaɓar buɗe asusunku da kanku a reshen bankin HDFC kuma ku sami taimako daga wani ma'aikaci da aka zaɓa.
- A madadin, zaku iya buɗe asusunku akan layi ta hanyar samar da lambar wayarku kawai da loda fom ɗinku da takaddun zama dole.
- Interestimar sha'awa:- Sami ƙimar riba 3% akan ma'auni har zuwa lakhs 50
- Cire Kuɗi na ATM:- Cire kyauta guda huɗu a kowane wata ta kowace hanya ciki har da cire kuɗi a reshe ko ATM, NEFT, RTGS, IMPS, Clearing, DD/MC bayarwa, da sauransu.
- zare kudi da katin:- Shiga asusunka tare da Katin Rupay na kyauta
- Duba Littafi:- 25 na kyauta takardar rajista a kowace shekara ta kuɗi. Za'a iya siyan ƙarin litattafan rajista na ganye 25 akan farashin Rs 100/- (Rs.75 ga manyan mutane)
- Sharuɗɗan cancanta:-
- Mutanen Mazauna (Asusun kaɗaici ko haɗin gwiwa)
- Iyalan Hindu Mara Rarraba
- Dole ne kada ya kasance yana da Asusun BSBD na yanzu tare da kowane banki
- Dole ne kada ya kasance yana da wani asusun ajiya tare da HDFC Bank
- Kananan yara sama da shekaru 10 sun cancanci buɗe ƙananan asusu masu sarrafa kansu kuma su karɓi katin ATM/Debit
- Benefarin fa'idodi
- Safe Deposit Locker da Super Saver wurare akwai
- Sabis ɗin littafin wucewa kyauta ga duk masu riƙe asusu ɗaya
- Kuɗi na kyauta a rassa da ATMs
- BillPay na rayuwa ba tare da tsada ba
- Bayanin imel na kyauta don ma'auni, biyan kuɗin amfani, ko dakatar da biyan kuɗi ta SMS
Standard Chartered Basic Account
Tun lokacin da aka kafa shi a cikin 1853, Bankin Standard Chartered yana da dogon tarihi mai ban sha'awa na ba da sabis na kuɗi ga mutane da kamfanoni. Ƙaunar bankin don yin banki kai tsaye kuma samuwa ga kowa yana nunawa ta hanyar Basic Account, zaɓin ajiyar kuɗi ba tare da ɓata lokaci ba. Wannan asusun shine mafi kyawun zaɓi ga mutanen da ke neman hanya mai sauƙi don sarrafa kuɗin su saboda ba shi da ƙarancin ma'auni.
Basic Account daga Standard Chartered shine mafi kyawun zaɓi ko kuna farawa ne kawai ko neman amintaccen asusu don sarrafa ma'amaloli na yau da kullun. Duk wanda ke neman ƙwarewar banki mara wahala zai so yadda sauƙin buɗewa da sarrafa yake.
- Mafi ƙarancin Ma'auni:– Nil
- Kudade da Caji:- Kuɗaɗen sifili don buɗewa da kiyaye daidaitaccen asusun ajiyar kuɗi na Chartered.
- Sauƙin buɗewa da kulawa:- Don buɗe asusu tare da Standard Chartered, ziyarci ɗaya daga cikin rassan su kuma cika fom ɗin aikace-aikacen tare da keɓaɓɓun bayanan ku kuma ƙaddamar da kowane takaddun da ake buƙata
- Interestimar sha'awa:- 2.75% akan ma'auni har zuwa 50 lakh
- Cire Kuɗi na ATM:- Ji daɗin cirewa mara iyaka, kyauta daga kowane ATM na ƙasar.
- zare kudi da katin:- Sami katin zare kudi na kyauta don samun sauƙin samun kuɗin ku da kuma yin sayayya.
- Duba Littafi:- Karɓi kyauta, littafin bincike na birni da yawa don dacewa.
- Ayyukan Banki na Dijital:- Canja wurin kuɗi da sauri kuma ba tare da ƙarin caji ta amfani da NEFT, IMPS, da RTGS ba.
- Abinda ya cancanta
(i) Mutum mazaunin gida
(ii) Siffofin tantancewa da kuma tabbacin adireshi da aka yarda sun haɗa da:
- Fasfo,
- Lasisin tuki
- Tabbacin mallakar lambar Aadhaar
- Hukumar Zabe ta Indiya ta bayar da katin shaidar zabe
- Katin aiki daga NREGA
- Wasikar da ta fito daga rijistar yawan jama'a ta kasa mai dauke da bayanan suna da adireshi.
- Benefarin fa'idodi
- Dama mara iyaka zuwa kowane reshe na Standard Chartered a Indiya ba tare da ƙarin caji ba.
- 24/7 wayar da sabis na banki akan layi don taimako tare da kowane matsala.
- Samun dama ga hanyoyin biyan kuɗi iri-iri da suka haɗa da UPI, Bharat QR, mafitacin biyan kuɗi na Bharat, da Samsung Pay.
ICICI Basic Savings Account
Bankin ICICI, ɗaya daga cikin manyan bankunan kamfanoni masu zaman kansu na Indiya, yana ba da Babban Asusu na Savings ga abokan cinikin da ke neman hanya mai sauƙi kuma mai sauƙi don sarrafa kuɗin su. An kafa shi a cikin 1994 kuma yana da hedikwata a Mumbai, bankin ICICI yana da rassa masu yawa da ATMs a duk faɗin ƙasar.
Tare da gabatar da Pradhan Mantri Jan Dhan Yojana (PMJDY), bankin ICICI ya sauƙaƙa wa mutane daga kowane fanni na rayuwa don buɗe asusun ajiyar kuɗi, ba tare da la’akari da yanayin kuɗin su ba. Wannan shiri, wanda gwamnatin Indiya ta kaddamar, na da nufin samar da hada-hadar kudi da samun lamuni ga sassan al'umma da ba a sanya su a baya ba, kuma asusun ajiyar banki na ICICI wani muhimmin bangare ne na wannan kokarin.
- Mafi ƙarancin Ma'auni:– Nil
- Kudade da Caji:-Babu ajiya da ake buƙata don buɗe asusu
- Sauƙin buɗe asusun ajiya da kiyayewa
- Kuna iya neman ICICI Babban asusun ajiyar kuɗi ta ziyartar gidan yanar gizon su ko ta kiran sabis ɗin kula da abokin ciniki.
- Hakanan zaka iya ziyartar reshen banki na ICICI mafi kusa da buƙatar buɗe asusu.
- Interestimar sha'awa:- 3% don ma'auni a ƙarƙashin 50 lakhs. Za a biya ribar kowane kwata.
- Cire Kuɗi na ATM:- Ma'amaloli 5 na farko kyauta ne. Kowane janyewar bayan haka zai biya ku Rs 20.
- zare kudi da katin:- Kuna samun katin zare kudi na Rupay kyauta ba tare da cajin shekara-shekara ba. Matsakaicin kashewa/ cirewa kowace rana INR 10,000.
- Duba Littafi:- Ana ba da littafin dubawa ɗaya kyauta. Kowane ƙarin littafin duba zai biya ku Rs 20
- Ayyukan Banki na Dijital:- Canja wurin kuɗi kyauta ta amfani da NEFT & RTGS
- Abinda ya cancanta
- Dole ne ku zama mazaunin Indiya sama da shekaru 18.
- NRIs ba su cancanci buɗe wannan asusun ba.
- Ba ku rike da wani asusun ajiyar kuɗi, gami da BSBDA tare da bankin ICICI
- Kuna neman asusu a cikin iyawar ku ba a matsayin Karta na Iyalin Hindu Ba (HUF) ba.
- Benefarin fa'idodi
- Kuna samun ajiyar kuɗi kyauta
- Ana samun wurin ajiyar littafin wucewa don Bankin Intanet kyauta
- Ana samun Bankin Wayar hannu akan buƙata
- Yana ba da yanayin riƙe guda ɗaya ko haɗin gwiwa
- Samun damar zuwa 15000+ ATMs a duk faɗin Indiya
RBL Basic Savings Account
Bankin Ratnakar Limited, wanda aka fi sani da RBL, kungiya ce mai mutunci da ta taimaka wa mutanen Indiya sama da shekaru 70. Tun lokacin da aka kafa shi a cikin 1943, bankin ya fadada zuwa sama da rassa da ofisoshi 300 a cikin manyan biranen kasar.
RBL ta yi wa kanta suna a fannin banki ta hanyar mai da hankali sosai kan magance buƙatun kuɗi na abokan ciniki iri-iri, gami da mata, manyan mutane, da waɗanda ke cikin ma'aikata. Basic Savings Account, ɗaya daga cikin samfuransu masu yawa, zaɓi ne madaidaiciya ga duk wanda ke sha'awar fara adanawa da sarrafa kuɗinsa.
- Mafi ƙarancin Ma'auni:– Nil
- Kudade da Caji:- Babu ƙarin caji
- Sauƙin buɗewa da kulawa:– Bude asusun ajiyar bankin RBL cikin sauki ta hanyar ziyartar gidan yanar gizon bankin RBL da bin ‘yan matakai masu sauki. Wani zaɓi shine bada kiran da aka rasa a 9355-71-9355 don fara asusun ajiyar ku da sauri.
- Interestimar sha'awa:- 4.25% pa akan ma'auni har zuwa Rs. 1 Lac, ƙididdiga a kullum
- Cire Kuɗi na ATM:- Jin daɗin ciniki mara iyaka kyauta a ATM na Bankin RBL. An saita iyakokin cirewa a rupees 50,000 don ATMs da rupees 30,000 don POS.
- zare kudi da katin:- Sami Katin RyPay kyauta kyauta
- Duba Littafi:- Karɓi kyauta guda 2 na kyauta a cak a kowace shekara, tare da ganye 40 a kowane littafi
- Ayyukan Banki na Dijital:- Canja wurin kuɗi kyauta ta amfani da NEFT & RTGS
- Sharuɗɗan cancanta:- Don neman asusun ajiyar banki na RBL, mai nema dole ne ya zama mazaunin Indiya kuma mai shekaru 18 ko sama da haka. The Executive Plus Account yana buƙatar mafi ƙarancin albashi na Rs.50,000 a kowane wata
- Benefarin fa'idodi
- Bankin waya
- mobile Banking
- SMS Banking & Faɗakarwa
- E-Bayanin
- Bankin Intanet
- Sabis na Biyan Kuɗi na Kan layi
- Samun dama ga kowane reshe na RBL a duk faɗin Indiya
- Kyauta kyauta na katunan lalacewa
- Ƙara ƙimar FD don masu riƙe asusun RBL masu aiki
Axis Basic Savings Account
Ɗaya daga cikin manyan bankunan kamfanoni masu zaman kansu a Indiya, Axis Bank, an san shi don ba abokan ciniki kyakkyawan sabis na kudi. Tun lokacin da aka kafa shi a cikin 1993, bankin ya ci gaba zuwa ɗaya daga cikin mafi shahara da sha'awar ƙungiyoyin kuɗi a cikin ƙasa. Asalin Asusun ajiyar kuɗi na bankin, wanda ke baiwa masu amfani damar cin gajiyar manyan ayyuka ba tare da kula da ƙaramin adadin ba, yana ɗaya daga cikin samfuran da aka fi so. Abokan ciniki yanzu suna iya ƙirƙirar Asusu na Ajiye na asali tare da Bankin Axis ta hanyar yin hira mai sauƙi ta bidiyo tare da wakili saboda sadaukarwar bankin ga ƙirƙira da fasaha.
- Mafi ƙarancin Ma'auni:– Nil
- Kudade da Caji:- Babu ƙarin farashi. INR 500 a matsayin kuɗin rufe asusun
- Sauƙin buɗewa da kulawa:-Buɗe asusu cikin sauri ta hanyar yin amfani da layi da kuma kammala tabbatar da kiran bidiyo tare da jami'an banki. Ba a buƙatar takarda, kawai kawo PAN da katin Aadhaar.
- Interestimar sha'awa:– Ana ƙididdige riba a kowace rana kuma ana ƙididdige su zuwa asusun kwata kwata. Adadin ya bambanta dangane da ma'auni kuma a halin yanzu yana tsakanin 3% zuwa 3.5%
- Cire Kuɗi na ATM:- Iyakar cire kudi na yau da kullun na INR 40,000 tare da cirewa kyauta 4 kowane wata
- zare kudi da katin:- Katin zare kudi na RuPay kyauta ba tare da bayarwa ko kudade na shekara-shekara ba
- Duba Littafi:- Littafin dubawa na kyauta 1 kowace kwata. Ƙarin dubawa a INR 4 kowace ganye
- Ayyukan Banki na Dijital:- Canja wurin kuɗi akan layi ba tare da ƙoƙari ba tare da NEFT/RTGS/IMPS ba tare da ƙarin caji ba
- Sharuɗɗan cancanta:- Masu neman cancanta dole ne su zama mazauna Indiya ba tare da asusun ajiyar kuɗi na yanzu ba a Bankin Axis kuma suna buƙatar samar da hotuna masu girman fasfo guda biyu na kwanan nan, da kuma shaidar ainihi da adireshin.
- Benefarin fa'idodi
- Adadin tsabar kudi kyauta
- Kyakkyawan banki tare da samun dama ga rassa da yawa da ATMs a duk faɗin Indiya
- Intanet da sabis na Bankin Waya
- Bayanin E-Sanarwa, faɗakarwar SMS, da littafin wucewa don sauƙin sarrafa asusu
A Indiya, samun asusun banki ba tare da ƙaramin ma'auni ba na iya zama mai fa'ida sosai ta fannin kuɗi, musamman ga mutanen da ke neman asusu ba tare da ƙaramin buƙatun ajiya ba.
Waɗannan asusu suna sa banki ya fi sauƙi kuma ya dace ta hanyar samar da katunan zare kudi kyauta, cire ATM kyauta, saitin asusun kan layi, ayyukan banki na dijital, da ƙari. Suna kuma ba da dama mai ban sha'awa ga mutane don adana kuɗi saboda ba su da damuwa game da biyan kuɗi don kiyaye ƙananan ma'auni.
Gabaɗaya, duk wanda ke son ƙirƙirar sabon asusun banki ko canjawa wuri zuwa ma'aikacin banki mai fa'ida ya kamata ya yi la'akari da waɗannan asusun banki marasa daidaituwa.
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