Kodi mumatopa ndi kusunga ndalama zochepa mu akaunti yanu yakubanki?
Kodi mwatopa ndi kulipira zilango chifukwa chosasunga bwino?
Komabe, simuli nokha. Amwenye ambiri amavutika kuti azikhala ndi ndalama zochepa mumaakaunti awo aku banki, koma ndikuwonekera kwa maakaunti aku banki omwe alibe ziro, iyi si nkhaninso.
Izi zidutsa muakaunti asanu ndi anayi apamwamba kwambiri aku banki ku India, komanso mawonekedwe awo ndi momwe angakuthandizireni. Tapereka chilichonse kuyambira mabanki aboma mpaka mabanki amalonda. Akaunti yakubanki yopanda zero ndi njira ina yabwino kwa aliyense amene akuyesera kutero sungani ndalama, kaya ndinu wophunzira, mwini kampani yaing'ono, kapena munthu amene akufuna kusunga ndalama.
Chifukwa chake khalani chete, pumulani, ndipo tiyeni tiyambe kukupezerani akaunti yakubanki yabwino kwambiri yopanda ziro!
Equitas Bank Digital Savings Account
Kuyambira pomwe idakhazikitsidwa mu 2007, Equitas Bank yapereka makasitomala ake njira zamabanki zotsogola. Digital Savings Account yawo ndi imodzi mwanjira zotere, zomwe ndi zabwino kwa iwo omwe amakonda kumasuka kubanki kunyumba. Nkhaniyi ndiyosavuta kukhazikitsa ndipo ilibe malire ochepera; zomwe mukufuna ndi PAN yanu ndi khadi ya Aadhaar.
Kuphatikiza apo, palibe chifukwa choyendera nthambi zilizonse chifukwa akauntiyo ndi ya digito. Kudzera mu pulogalamu yam'manja ya banki, yomwe imagwira ntchito ndi zida za iOS ndi Android, mutha kungoyang'anira akaunti yanu.
Bankiyi imatsimikiziranso maakaunti aulere kwa moyo wonse komanso kutsata kwathunthu kwa KYC pa akaunti iliyonse. Ndilo kusankha koyenera kwa anthu omwe ali ndi nthawi yochepa omwe amayamikira chitonthozo ndi kuphweka.
- Chofunikira Chocheperako: - Nil
- Malipiro ndi Malipiro:- Nil (Palibe ndalama zobisika)
- Kutsegula ndi kukonza akaunti mosavuta: - Equitas Bank Digital Savings Account ndi akaunti ya digito yomwe imatha kutsegulidwa mosavuta pa intaneti pogwiritsa ntchito PAN ndi Aadhaar khadi. Palibe chifukwa choyendera nthambi.
- Chiwongola dzanja:- Chiwongola dzanja chimaperekedwa kotala. Zotsatirazi ndi ziwongola dzanja.
Mpaka ₹ 1 lakh 3.50% 1 lakh - ₹ 5 lakhs 5.25% Pamwamba pa ₹ 5 lakhs 7.00% - Kuchotsa ATM Cash:- Zaulere pama ATM awo. Kwa ma ATM ena, zochitika 3 ndi zochitika 5 zimaloledwa m'mizinda ya metro ndi yomwe si ya metro, motsatana.
- Debit Card:- Mitundu 5 yamakhadi a kingingi omwe alipo (Visa Classic, Visa Gold, Visa Platinum, Siginecha ya Visa) (Ndalama zimasiyanasiyana molingana)
- Onani buku: - Bukhu la cheke limodzi laulere pachaka.
- Digital Banking Services: - Zochita zaulere za NEFT/IMPS/RTGS ndi banki yonse, koma zolipiritsa zitha kugwira ntchito pamabizinesi anthambi.
- Zolinga Zokwanira
- Koposa zaka 18
- Anthu aku India
- PAN ndi khadi ya Aadhaar ndiyofunika
- Zowonjezera Zowonjezera
- Chidziwitso cha akaunti yolumikizana
- Flexible Cash Withdrawal
- Kusamalitsa Kusamalitsa
- Zolemba Zochepa
- Kutsika mtengo kwa ntchito
AU Small Finance Bank Digtal Account
AU Small Finance Bank yadzipangira dzina pamabanki a digito pokhazikitsa maakaunti osiyanasiyana a digito omwe amakwaniritsa zosowa za makasitomala osiyanasiyana. Akaunti ya digito yaku banki, yomwe imadziwika kuti AU Digital, imapereka njira yosavuta komanso yosavuta kwa makasitomala kuti azichita ntchito zawo zonse zokhudzana ndi banki komanso zachuma kudzera pamafoni apakanema.
Izi zikutanthauza kuti makasitomala amatha kuyankha mafunso awo ndi wogwira ntchito ku banki akukhala, osapita kunthambi.
Kuphatikiza apo, banki yakhazikitsanso njira zina zamaakaunti a digito monga Platinum ndi Royale, iliyonse ikupereka zosowa zapadera komanso kupereka phindu lapadera kwa makasitomala. Ndi maakaunti a digito a AU Small Finance Bank, makasitomala amatha kusangalala ndi kubanki kuchokera panyumba zawo.
- Chofunikira Chocheperako: - Nil
- Malipiro ndi Malipiro: - Nil
- Kutsegula ndi kukonza akaunti mosavuta: - Akaunti ya digito yonseyi itha kutsegulidwa kudzera pa kanema ndi akuluakulu aku banki, pogwiritsa ntchito PAN yanu ndi khadi ya Aadhaar ngati zikalata zokhazo zomwe zikufunika.
- Chiwongola dzanja:- Chiwongola dzanja chimaperekedwa mwezi uliwonse pamitengo iyi:
- Kuchotsa ATM Cash:-Zopanda malire zaulere ku AU Small Finance Bank ATM ndi ma ATM ena aku banki.
- Debit Card:- Rupay Platinum Debit Card. Kutulutsa ndi chindapusa chapachaka cha Rs. 150+ GST
- Onani buku: - Masamba a 25 amaperekedwa kwaulere pachaka.
- Digital Banking Services: -Zochita zaulere za NEFT/IMPS/RTGS kudzera kubanki kapena kuyimba pavidiyo.
- Zolinga Zokwanira
- Koposa zaka 18
- Anthu aku India
- PAN ndi khadi ya Aadhaar ndiyofunika
- Zowonjezera Zowonjezera
- Kufikira kofikira pabwalo la ndege - maulendo awiri pa kotala.
- Ntchito zamabanki avidiyo ndi zochitika.
- 24 × 7 mwayi wopeza ndalama kudzera pa pulogalamu yam'manja ya banki komanso banki yapaintaneti.
- Zinthu zambiri kuphatikiza zotsekera, Demat, mwagwirizana ndalama, ngongole, ndi inshuwalansi.
- Zochitika zamabanki zopanda mapepala.
SBI Basic Savings Account
State Bank of India, yomwe nthawi zina imadziwika kuti SBI, ndi dzina lomwe limalumikizidwa kwambiri ndi kudalirika komanso chidaliro. SBI yakhalapo kwa zaka zopitilira 200 ndipo yapirira kukhala imodzi mwamabanki odziwika bwino mdziko muno. Akaunti ya Basic Savings Bank Deposit Account, yomwe nthawi zambiri imadziwika kuti PM Jan Dhan Yojana account, ndi imodzi mwazinthu zodziwika bwino kubanki. Akaunti yosavuta yosungirayi ilibe ndalama ndipo imapangidwira anthu omwe akufuna njira yosavuta yosungira kubanki.
Pulogalamu yothandizidwa ndi bomayi imayang'ana anthu omwe amapeza ndalama zochepa m'magulu a anthu pofuna kulimbikitsa kusunga ndalama pakati pawo popanda kuchititsa kuti azidandaula ndi zilango zochepa. Akauntiyo imatha kutsegulidwa kubanki iliyonse ya SBI, yomwe ili ndi malo opitilira 22,000 ku India konse. Nkhaniyi ndi yabwino kwa anthu omwe akufuna kusunga ndalama zawo molunjika komanso mwadongosolo kapena omwe akufuna kuyamba kusunga ndalama zamtsogolo.
- Chofunikira Chocheperako: - Nil.
- Malipiro ndi Malipiro:- Nil
- Kutsegula ndi kukonza akaunti mosavuta: - Kuti mutsegule akaunti, makasitomala amangofunika kudzaza fomu yofunsira ndikupereka zikalata zofunikira ndi ma adilesi, monga
- Khadi la Aadhaar, Khadi la ID Yovota, Khadi la PAN, kapena License Yoyendetsa.
- Zithunzi ziwiri za kukula kwa pasipoti zimafunikanso.
- Chiwongola dzanja:- Makasitomala okhala ndi ndalama zosachepera 1 lakh rupees amapeza chiwongola dzanja cha 3.25%, pomwe omwe alibe zochepa amapeza 3.50%.
- Kuchotsa ATM Cash:- Makasitomala ali ndi ufulu wochotsa ma ATM 4 aulere pamwezi, kuphatikiza kuchotsera ku SBI ndi ma ATM ena aku banki. Tkubweza kupyola malire aulere kudzabweretsa chindapusa cha INR 20 kuphatikiza 18% GST.
- Debit Card:- Makasitomala atha kulembetsa kirediti kadi ya RuPay yaulere yomwe ilibe AMC iliyonse (Ndalama Zokonza Pachaka).
- Onani buku: - Sakupezeka
- Digital Banking Services: - Ntchito zotumizira ndalama pakompyuta monga NEFT ndi RTGS ndi zaulere kugwiritsa ntchito.
- Zoyenera Kuyenerera:-Mmwenye aliyense wokhala ndi zikalata zofunika za KYC, monga PAN khadi kapena Aadhaar khadi, akhoza kutsegula akaunti.
- Migwirizano ndi zokwaniritsa:- Makasitomala sangakhale ndi akaunti ina iliyonse yosungira kubanki pomwe ali ndi akaunti ya Basic Savings Bank Deposit. Ngati ali kale ndi akaunti yosungira, ayenera kutseka mkati mwa masiku 30 atatsegula akaunti yawo ya BSBD.
Fi Money
- Chofunikira Chocheperako:-Nil
- Malipiro ndi Malipiro:- Palibe zolipiritsa zowonjezera kuti mudandaule nazo. Komabe, ndalama zowonjezera za 2.5% kapena Rs. 10 (chilichonse chomwe chili chokulirapo) chidzayikidwa pamalo opangira mafuta.
- Kutsegula ndi kukonza akaunti mosavuta:- Kuti mutsegule akaunti yosungira ndalama ndi zero ndi Fi, zomwe muyenera kuchita ndikutsitsa pulogalamuyi pazida zanu za android kapena IOS. Popeza pulogalamuyi idapangidwira akatswiri ogwira ntchito, njira yosavuta yowunikira ichitika kuti zitsimikizire momwe mukugwirira ntchito, zomwe siziyenera kutenga mphindi zosapitirira 5.
- Chiwongola dzanja:- 2.4% pamabanki osakwana 5 crore
- Kuchotsa ATM Cash: - Kuchotsa ku Federal Bank ATM ndi kwaulere. Kuma ATM ena, mutha kupanga ndalama zisanu zaulere mwezi uliwonse, kenako chindapusa cha ₹20 chidzagwiritsidwa ntchito.
- khadi madebiti:- Mukatsegula Fi Savings Account, mudzalandira VISA Platinum Debit Card yopanda kutulutsa kapena chindapusa chapachaka chokonzekera komanso osalipira ndalama zapadziko lonse lapansi.
- Onani Buku:- Mudzalandira macheke awiri okhala ndi macheke asanu, operekedwa pakhomo panu miyezi isanu ndi umodzi iliyonse kwaulere
- Digital Banking Services: - Zochita za NEFT ndi RTGS zimapezeka pa intaneti popanda ndalama zowonjezera.
- Zoyenera Kuyenerera:- Kuti mutsegule Akaunti ya FI Money Savings, muyenera kupereka zikalata zotsatirazi:
- 2 zithunzi zazikulu za pasipoti
- Umboni wa adilesi (Khadi la Aadhaar, Khadi la ID la Voter, laisensi yoyendetsa galimoto, pasipoti, khadi yantchito ya NREGA yosainidwa ndi wogwira ntchito m'boma)
- Zowonjezera Zowonjezera
- Sangalalani ndi kusakhala ndi nthambi zenizeni kapena zolemba zazitali,
- mawonekedwe osavuta kugwiritsa ntchito,
- ndi zolimbikitsa monga ndalama za Fi, zomwe zitha kuwomboledwa kwa ogulitsa osankhidwa.
- Mudzapatsidwanso wothandizira wanu kuti akuthandizeni pa akaunti yanu.
Kota 811 Akaunti ya Digital Bank
Kotak Mahindra Bank, dzina lodziwika bwino pamabanki aku India, imapereka yankho lapadera lakubanki ya digito ndi Akaunti yawo yakubanki ya Kotak 811 Digital Bank. Akaunti yatsopanoyi imabwera m'mitundu itatu yosiyana, iliyonse yopangidwa kuti ikwaniritse zosowa za makasitomala ake. Mulingo wa kutsimikizira kwa Know Your Customer (KYC) wofunikira pamtundu uliwonse umasiyanasiyana, ndikutsimikizira mwamphamvu komwe kumatsogolera kukupeza ntchito zambiri.
Mitundu yonse ya KYC ya akaunti ya Kotak 811 ndiyofunikira kwambiri, chifukwa ndi akaunti ya zero-balance yomwe imapatsa makasitomala mapindu ndi mautumiki osiyanasiyana ngakhale samafunikira ndalama zochepa. Akauntiyi idapangidwira iwo omwe amafunafuna njira zamabanki zosavuta komanso zopanda mavuto. Ndi mtundu wathunthu wa KYC wa Kotak 811, makasitomala amatha kusangalala ndi ntchito zamabanki a digito pomwe ndalama zawo zili ndi inshuwaransi mpaka malire ena malinga ndi malamulo a RBI.
- Chofunikira Chocheperako:-Nil
- Malipiro ndi Malipiro:- Palibe ndalama zobisika
- Kutsegula ndi kukonza akaunti mosavuta:- Njira yachangu komanso yosavuta pa intaneti kuti mutsegule akaunti ya Kotak 811 osafunikira nthambi zenizeni kapena zolemba zambiri
- Chiwongola dzanja:-Chiwongola dzanja chokopa cha 3.5% pamadipoziti mpaka 50 lahks ndi 4% pamadipoziti apamwamba kuposa pamenepo
- Kuchotsa ATM Cash: - Palibe mtengo wochotsa ndalama
- khadi madebiti: - Khadi yolipiriratu yeniyeni ilipo, komanso mwayi wowonjezera kirediti kadi ndi chindapusa chapachaka cha INR 299 (kuphatikiza GST)
- Onani buku: - INR 3 patsamba lililonse
- Digital Banking Services:- Kuchita bwino pa intaneti ndi NEFT/RTGS/IMPS kupezeka popanda mtengo wowonjezera
- Zoyenera Kuyenerera:- Kuti mukhale woyenera kukhala ndi akaunti ya Kotak 811, muyenera kukhala:
- Zaka 18 zakubadwa kapena zoposa
- Khalani ndi khadi yovomerezeka ya Aadhaar ndi PAN
- Wokhala ku India wokhala ndi adilesi yaku India
- Palibe ubale uliwonse wakale ndi Kotak Mahindra Bank
- Zowonjezera Zowonjezera
- Kufikira 24/7 ku akaunti yanu kudzera pa intaneti komanso kubanki yam'manja
- Zopitilira 180 kuphatikiza zolipirira mabilu, zosankha zandalama, ndi zina zambiri
- Pulogalamu yotetezedwa yokhala ndi kutsimikizika kwazinthu ziwiri komanso mawonekedwe osavuta kugwiritsa ntchito
Indus Digi-Start: Digital Savings Account
IndusInd Bank ili ndi mbiri yakale yopereka njira zamabanki zatsopano zomwe zimakwaniritsa zosowa zosiyanasiyana za makasitomala ake. Chimodzi mwazopereka zotere ndi IndusInd Bank Savings Account, yomwe imapereka zosankha zingapo zomwe mungasankhe, kaya kukhala moyo wapamwamba kapena kuchita bizinesi.
Ndi IndusInd Bank Savings Account, makasitomala amatha kusangalala ndi kusinthasintha komanso kusavuta kubanki ndi imodzi mwamabanki otsogola ku India. Kuchokera pamwayi monga mwayi wamabanki 24/7, oyang'anira maubale odzipereka, ndi zopereka zapadera, IndusInd Bank Savings Account ndiye chisankho chabwino kwa aliyense amene akufuna kudziwa zambiri zamabanki.
- Chofunikira Chocheperako:- Kusungitsa koyamba kwa INR 20,000 kumafunika kuti mutsegule akaunti yosungira ya Indus digi-start
- Malipiro ndi Malipiro:- Sangalalani ndi zabwino zonse za akauntiyi popanda ndalama zolipirira mutasungitsa ndalama zoyambira
- Kutsegula ndi kukonza akaunti mosavuta:- Tsegulani akaunti yosungira ndalama za digito ndi IndusInd Bank popanda kupondaponda panthambi yakuthupi. Ingolembani fomu yofunsira pa intaneti ndikukhala ndi khadi yanu ya Aadhaar ndi PAN pafupi.
- Chiwongola dzanja:- Pezani chiwongola dzanja cha 3.50% pamabanki mpaka INR 1 lakh
- Kuchotsa ATM Cash: - Chotsani ndalama kwaulere pa ATM iliyonse ku India pogwiritsa ntchito kirediti kadi yanu ya IndusInd Bank
- khadi madebiti:- Landirani kirediti kadi ya titaniyamu ya INR 249 + GST. Khadiyo imaphatikizanso kutetezedwa kwa INR 1 lakh komanso chitetezo chogula cha INR 50,000.
- Onani buku: - cheke chaulere chophatikizidwa ndi akaunti
- Digital Banking Services:- Gwiritsani ntchito IndusInd Bank QuickPay kuti musamutsire ndalama mosavuta komanso mwachangu kudzera pa SMS, imelo, kapena malo ochezera osafuna zambiri zaakaunti yaku banki ya wolandila
- Zoyenera Kuyenerera:- Kuti mutsegule akaunti yosungira ya Indus digi-start, muyenera kukhala:
- Nambala yolondola ya Aadhaar yolumikizidwa ndi nambala yanu yam'manja
- Khadi la PAN khadi lanu
- Kamera pa foni yanu yam'manja kapena pakompyuta
- Zowonjezera Zowonjezera
- Cashback: INR 500 pazochita zosiyanasiyana monga kubweza ndi kusungitsa ma cab
- Zotsatsa zapadera: Zotsatsa paulendo, mafashoni, ndi kugula nthawi ndi nthawi
- Njira yosankha nambala yaakaunti yanu, kaya ndi nambala yanu yafoni, tsiku lobadwa, kapena nambala yamwayi yomwe mwasankha!
Akaunti ya DBS Digi Savings Bank
Bungwe lotsogola lazachuma ku Asia DBS Bank limapereka akaunti yosungira ndalama za digito yomwe imapangidwa kuti ikwaniritse zofuna za anthu amasiku ano odziwa zaukadaulo. Palibe chofunikira chocheperako kuti mupange kapena kusunga Akaunti ya Banki ya DBS Digi Savings ikugwira ntchito chifukwa ndi akaunti yopanda ziro. Akauntiyi imatha kupezeka pogwiritsa ntchito tchanelo cha digito chakubanki, kuphatikiza mabanki am'manja ndi mabanki apaintaneti, ndipo ndi yosavuta kutsegula popanda kufunikira kwa mapepala. Mutha kuchita zinthu kuphatikiza ma depositi, kuchotsera, ndi kusamutsa ndalama mosavuta pogwiritsa ntchito Akaunti ya Banki ya DBS Digi Savings.
Akauntiyi imabweranso ndi kirediti kadi yaulere ndi passbook yomwe mungagwiritse ntchito pazosowa zanu zamabanki zatsiku ndi tsiku. Kuphatikiza apo, makasitomala amathanso kusangalala ndi mapindu a DBS 'International Platinum Debit Card, yomwe imapereka zotsatsa ndi maubwino osiyanasiyana ku Asia, kuphatikiza kubweza ndalama zonse zomwe wawononga, mabizinesi apadera ogula, kuyenda, ndi zosangalatsa, kuchotsera kwakukulu komanso kuwononga ndalama, ndi mpikisano wandalama zakunja.
- Chofunikira Chocheperako:-Nil
- Malipiro ndi Malipiro:- Zolipira ziro pakutsegula kapena kukonza akaunti
- Kutsegula ndi kukonza akaunti mosavuta:- Tsegulani akaunti yosungira ndalama za digito mosavuta ndi DBS Bank poyendera tsambalo kapena kugwiritsa ntchito pulogalamu yam'manja. Onetsetsani kuti muli ndi PAN Card yanu, ID, ndi zikalata zotsimikizira adilesi zomwe zakonzekera kuti zitheke.
- Chiwongola dzanja:- Sangalalani ndi chiwongola dzanja cha 3.25% pamadipoziti mpaka INR 1 lakh, ndi chiwongola dzanja cholipidwa kotala kapena zina monga momwe banki yatsimikizira.
- Kuchotsa ATM Cash: - Kuchotsa kwaulere kwaulere kudzera pa ATM ndi njira zina.
- khadi madebiti: - Landirani Khadi la DBS International Platinum Debit Card ndi akaunti yanu
- Onani buku: - cheke chaulere chaperekedwa ndi akaunti yanu
- Digital Banking Services:- Sangalalani ndi ntchito zaulere zotumizira ndalama pa intaneti ndi RTGS, IMPS, ndi NEFT.
- Zoyenera Kuyenerera:- Aliyense amene amakhala Mmwenye, NRI, Hindu Undivided Family, kapena mzika yakunja akhoza kutsegula akaunti yosungira ndi DBS Bank. Muyenera kupereka umboni wa ID ndi adilesi malinga ndi zofunikira za KYC.
- Zowonjezera Zowonjezera
- Kuthekera kopanda malire pamwezi
- Passbook yaulere kuti mufufuze mosavuta akaunti
- Gwiritsani ntchito akaunti yanu pazochitika zatsiku ndi tsiku, monga madipoziti, kuchotsa, ndi kutumiza.
- Ndemanga zaulere pamwezi
- Kusintha khadi yotayika, kuba, kapena kuwonongeka popanda mtengo
HDFC Basic Savings Account
Imodzi mwa mabanki apamwamba kwambiri ku India, HDFC Bank, imapereka Akaunti Yosungitsa Mabanki Yosungirako Ndalama (BSBDA) yomwe imayenera kukwaniritsa zofunikira zamabanki za anthu. Akauntiyi ndi yotseguka kwa ogula osiyanasiyana chifukwa palibe chofunikira chocheperako.
Makasitomala atha kupeza ntchito zingapo zamabanki, kuphatikiza mabanki a digito ndi ma ATM, m'nthambi zambiri ndi malo ku India ndi akaunti ya BSBDA. Makasitomala amatha kukhulupirira kuti ndalama zawo ndi zotetezeka muakaunti iyi popeza HDFC Bank ili ndi mbiri yodalirika komanso chitetezo. Nkhaniyi ndi yabwino kwa anthu omwe akufunafuna njira yowongoka komanso yothandiza yogwiritsira ntchito ndalama zawo.
- Chofunikira Chocheperako:-Nil
- Malipiro ndi Malipiro:- Palibe malipiro okhudzana ndi kutsegula Basic Savings Bank Deposit Account ndi HDFC Bank. Kuphatikiza apo, Khadi la Debit lidzaperekedwa kwa inu popanda mtengo.
- Kutsegula ndi kukonza akaunti mosavuta
- Mutha kusankha kutsegula akaunti yanu nokha kunthambi ya HDFC Bank ndi kulandira chithandizo kuchokera kwa wogwira ntchito amene mwasankhidwa.
- Kapenanso, mutha kutsegula akaunti yanu pa intaneti pongopereka nambala yanu yam'manja ndikuyika fomu yanu ndi zikalata zofunika.
- Chiwongola dzanja:- Pezani chiwongola dzanja cha 3% pamabanki mpaka 50 lakhs
- Kuchotsa ATM Cash: - Kuchotsa ndalama zinayi pamwezi kudzera munjira iliyonse kuphatikiza kuchotsa ndalama kunthambi kapena ATM, NEFT, RTGS, IMPS, Clearing, DD/MC kutulutsa, ndi zina.
- khadi madebiti: - Pezani akaunti yanu ndi Rupay Card yovomerezeka
- Onani buku: - 25 cheke cheke masamba pa chaka chandalama. Macheki owonjezera atha kugulidwa kwa masamba 25 pamtengo wa 100/- (Rs.75 kwa achikulire)
- Zoyenera Kuyenerera:-
- Anthu okhalamo (akaunti yokha kapena yolumikizana)
- Mabanja Achihindu Ogawanika
- Sayenera kukhala ndi Akaunti ya BSBD yomwe ilipo ndi banki ina iliyonse
- Simuyenera kukhala ndi akaunti ina Yosungira ndi HDFC Bank
- Ana ochepera zaka 10 ali oyenera kutsegula maakaunti ang'onoang'ono odziyendetsa okha ndikulandila ATM / Debit card
- Zowonjezera Zowonjezera
- Safe Deposit Locker ndi Super Saver malo akupezeka
- Ntchito yaulere yamapasipoti kwa onse omwe ali ndi akaunti
- Kusungitsa ndalama zokomera nthambi ndi ma ATM
- BillPay moyo wonse popanda mtengo
- Mawu aulere a imelo a akaunti yaulere, kulipira ndalama zothandizira, kapena kuyimitsa cheke kudzera pa SMS
Standard Chartered Basic Account
Kuyambira pomwe idakhazikitsidwa mu 1853, Standard Chartered Bank ili ndi mbiri yayitali komanso yodziwika bwino yopereka chithandizo chandalama kwa anthu ndi makampani. Kudzipereka kwa banki pakupanga mabanki kukhala osavuta komanso kupezeka kwa aliyense kumawonetsedwa kudzera mu Akaunti Yoyambira, njira yosungira ndalama. Akauntiyi ndi njira yabwino kwa anthu omwe akufunafuna njira yosavuta yoyendetsera ndalama zawo chifukwa ilibe zoletsa zochepa.
Akaunti Yoyambira yochokera ku Standard Chartered ndiyo njira yabwino koposa kaya mukungoyamba kumene kapena mukufufuza akaunti yodalirika yoti muzitha kuyang'anira zomwe mumachita nthawi zonse. Aliyense amene akufunafuna banki yopanda zovuta angakonde momwe zimakhalira zosavuta kutsegula ndi kuyang'anira.
- Chofunikira Chocheperako:-Nil
- Malipiro ndi Malipiro:- Zolipiritsa ziro potsegula ndi kusunga akaunti yosungira ya Standard Chartered.
- Kutsegula ndi kukonza akaunti mosavuta:- Kuti mutsegule akaunti ndi Standard Chartered, pitani ku imodzi mwa nthambi zawo ndikulemba fomu yofunsira zambiri zanu ndikutumiza zikalata zilizonse zofunika.
- Chiwongola dzanja:- 2.75% pamabanki mpaka 50 lakh
- Kuchotsa ATM Cash: - Sangalalani ndi ndalama zopanda malire, zochotsa kwaulere ku ATM iliyonse mdziko muno.
- khadi madebiti:- Pezani kirediti kadi yovomerezeka kuti mupeze ndalama zanu mosavuta komanso kuti mugule.
- Onani buku: - Landirani cheke chovomerezeka, chokhala ndi mizinda yambiri kuti mumve zambiri.
- Digital Banking Services:- Tumizani ndalama mwachangu komanso popanda ndalama zowonjezera pogwiritsa ntchito NEFT, IMPS ndi RTGS.
- Zolinga Zokwanira
(i) Munthu wokhalamo
(ii) Mitundu yovomerezeka ya chizindikiritso ndi umboni wa adilesi ndi:
- Pasipoti,
- Chilolezo choyendetsa
- Umboni wokhala ndi nambala ya Aadhaar
- Identity Card ya Ovota yoperekedwa ndi Election Commission of India
- Khadi lantchito loperekedwa ndi NREGA
- Kalata yoperekedwa ndi National Population Register yokhala ndi zambiri za dzina ndi adilesi.
- Zowonjezera Zowonjezera
- Kufikira mopanda malire kunthambi iliyonse ya Standard Chartered ku India popanda ndalama zowonjezera.
- 24/7 foni ndi ntchito zamabanki pa intaneti kuti muthandizidwe ndi zovuta zilizonse.
- Kupeza njira zosiyanasiyana zolipirira pompopompo kuphatikiza UPI, Bharat QR, njira zolipirira mabilu a Bharat, ndi Samsung Pay.
ICICI Basic Savings Account
ICICI Bank, imodzi mwamabanki otsogola ku India, imapereka Akaunti Yosunga Zosungirako Zoyambira kwa makasitomala omwe akufuna njira yosavuta komanso yofikirika yoyendetsera ndalama zawo. Yakhazikitsidwa mu 1994 ndipo ili ku Mumbai, ICICI Bank ili ndi nthambi zambiri ndi ma ATM m'dziko lonselo.
Ndi kukhazikitsidwa kwa Pradhan Mantri Jan Dhan Yojana (PMJDY), ICICI Bank yapangitsa kuti zikhale zosavuta kuti anthu amitundu yonse atsegule akaunti yosungira, posatengera momwe alili azachuma. Ntchitoyi, yomwe idakhazikitsidwa ndi boma la India, ikufuna kupereka mwayi wophatikiza ndalama komanso mwayi wopeza ngongole kwa anthu omwe kale anali osaphatikizidwapo, ndipo Akaunti Yosungira Zosungirako Zachibanki ya ICICI Bank ndi gawo lofunikira kwambiri pakuchita izi.
- Chofunikira Chocheperako:-Nil
- Malipiro ndi Malipiro:-Palibe gawo lofunikira kuti mutsegule akaunti
- Kutsegula ndi kukonza akaunti mosavuta
- Mutha kulembetsa ku ICICI Basic savings account poyendera tsamba lawo kapena kuyimbira chithandizo chamakasitomala.
- Mutha kupitanso kunthambi yapafupi ya banki ya ICICI ndikupempha kuti mutsegule akaunti.
- Chiwongola dzanja:- 3% pamlingo wosachepera 50 lakhs. Chiwongola dzanja chidzaperekedwa kotala lililonse.
- Kuchotsa ATM Cash: - Zochita 5 zoyambirira ndi zaulere. Kuchotsa kulikonse pambuyo pake kumakutengerani Rs 20.
- khadi madebiti: - Mumapeza Khadi la Rupay Debit laulere popanda zolipiritsa pachaka. Malire owononga tsiku ndi tsiku ndi INR 10,000.
- Onani buku: - Bukhu la cheke limodzi limaperekedwa kwaulere. Bukhu lililonse lowonjezera lidzakutengerani Rs 20
- Digital Banking Services:- Kusamutsa ndalama kwaulere pogwiritsa ntchito NEFT & RTGS
- Zolinga Zokwanira
- Muyenera kukhala nzika yaku India yopitilira zaka 18.
- Ma NRI ndiwosayenera kutsegula akauntiyi.
- Mulibe akaunti ina iliyonse yosungira, kuphatikiza BSBDA yokhala ndi banki ya ICICI
- Mukufunsira akauntiyo payekhapayekha osati ngati Karta wa Hindu Undivided Family (HUF)
- Zowonjezera Zowonjezera
- Mumalandira ma depositi aulere
- Ma Passbook amapezeka kwaulere pa intaneti
- Mobile Banking ikupezeka mukapempha
- Amapereka njira imodzi yogwirizira
- Kufikira ma ATM 15000+ ku India
RBL Basic Savings Account
Ratnakar Bank Limited, yomwe nthawi zambiri imadziwika kuti RBL, ndi bungwe lolemekezeka lomwe lakhala likuthandiza anthu aku India kwa zaka zopitilira 70. Kuyambira pomwe idakhazikitsidwa mu 1943, banki yakula ndikuphatikiza nthambi ndi maofesi opitilira 300 m'mizinda yayikulu m'dziko lonselo.
RBL yadzipangira mbiri yokha m'mabanki poika chilimbikitso chofuna kuthana ndi zofunikira zachuma za makasitomala osiyanasiyana, kuphatikizapo amayi, akuluakulu, ndi omwe amagwira ntchito. The Basic Savings Account, imodzi mwazinthu zawo zambiri, ndi chisankho cholunjika kwa aliyense amene akufuna kuyamba kusunga ndikuwongolera ndalama zake.
- Chofunikira Chocheperako:-Nil
- Malipiro ndi Malipiro:- Palibe zolipira zina
- Kutsegula ndi kukonza akaunti mosavuta:- Tsegulani akaunti yosungira ndalama ku RBL Bank mosavuta poyendera tsamba la RBL Bank ndikutsata njira zingapo zosavuta. Njira ina ndikuyimbira foni yomwe mwaphonya pa 9355-71-9355 kuti muyambitse akaunti yanu yosungira mwachangu.
- Chiwongola dzanja:- 4.25% pa ndalama zokwana mpaka Rs. 1 lac, yowerengedwa tsiku lililonse
- Kuchotsa ATM Cash:- Sangalalani ndi zochitika zaulere zopanda malire pama ATM a RBL Bank. Malire ochotsera amayikidwa pa 50,000 rupees kwa ATM ndi 30,000 rupees kwa POS.
- khadi madebiti:- Pezani Khadi la RyPay kwaulere
- Onani buku: - Landirani ndalama ziwiri zolipiridwa pamacheke pachaka, ndi masamba 2 m'buku lililonse
- Digital Banking Services:- Tumizani ndalama kwaulere pogwiritsa ntchito NEFT & RTGS
- Zoyenera Kuyenerera:- Kuti mulembetse akaunti yosungira ndalama ku RBL Bank, wopemphayo ayenera kukhala waku India wokhala ndi zaka 18 kapena kupitilira apo. Executive Plus Account imafuna malipiro ochepera a Rs.50,000 pamwezi
- Zowonjezera Zowonjezera
- Phone Banking
- Mobile banki
- SMS Banking & Zidziwitso
- Zolemba pa E
- Banking Internet
- Ntchito Zolipira Bili Paintaneti
- Kufikira ku nthambi iliyonse ya RBL kudutsa India
- Kusintha kwaulere kwamakhadi owonongeka
- Kuchulukitsa kwa FD kwa omwe ali ndi akaunti ya RBL
Akaunti ya Axis Basic Savings
Mmodzi mwa mabanki apamwamba kwambiri ku India, Axis Bank, amadziwika popatsa makasitomala ake ntchito zabwino zachuma. Kuyambira pomwe idakhazikitsidwa mu 1993, bankiyo yakhala imodzi mwamabungwe odziwika bwino azachuma mdziko muno. Bank's Basic Savings Account, yomwe imathandiza ogwiritsa ntchito kupezerapo mwayi pazinthu zazikulu kwambiri popanda kukhala ndi ndalama zochepa, ndi imodzi mwazinthu zokondedwa kwambiri. Makasitomala tsopano atha kupanga Akaunti Yosungira Zosungirako ndi Axis Bank pocheza ndi woyimilira pavidiyo mosavuta chifukwa chodzipereka kwa banki pazatsopano komanso ukadaulo.
- Chofunikira Chocheperako:-Nil
- Malipiro ndi Malipiro:- Palibe ndalama zowonjezera. INR 500 ngati chindapusa chotseka akaunti
- Kutsegula ndi kukonza akaunti mosavuta:- Tsegulani akaunti mwachangu polemba pa intaneti ndikumaliza kutsimikizira kuyimba kwavidiyo ndi akuluakulu aku banki. Palibe mapepala omwe amafunikira, ingobweretsani khadi yanu ya PAN ndi Aadhaar.
- Chiwongola dzanja:- Chiwongoladzanja chimawerengedwa tsiku ndi tsiku ndikuyikidwa muakaunti kotala. Mlingo umasiyanasiyana kutengera kuchuluka kwa akaunti ndipo pakadali pano ukuyambira pakati pa 3% ndi 3.5%
- Kuchotsa ATM Cash: - Malire ochotsera tsiku ndi tsiku a INR 40,000 ndikuchotsa kwaulere 4 pamwezi
- khadi madebiti: - Khadi laulere la RuPay Debit popanda kutulutsa kapena chindapusa chapachaka
- Onani buku: - 1 cheke chaulere pa kotala iliyonse. Macheke owonjezera pa INR 4 patsamba lililonse
- Digital Banking Services:- Samutsani ndalama mosavutikira pa intaneti ndi NEFT/RTGS/IMPS popanda ndalama zowonjezera
- Zoyenera Kuyenerera:- Oyenerera ayenera kukhala okhala ku India opanda akaunti yosungiramo ndalama ku Axis Bank ndipo adzafunika kupereka zithunzi ziwiri zaposachedwa kwambiri za pasipoti, komanso umboni wosonyeza kuti ndani ndi adilesi.
- Zowonjezera Zowonjezera
- Madipoziti aulere
- Mabanki abwino okhala ndi mwayi wopeza nthambi zingapo ndi ma ATM ku India
- Intaneti ndi Mobile Banking ntchito
- Ma E-statement, zidziwitso za SMS, ndi chiphaso chowongolera akaunti mosavuta
Ku India, kukhala ndi akaunti yakubanki yopanda malire ocheperako kungakhale kopindulitsa pazachuma, makamaka kwa anthu omwe akufuna akaunti popanda kusungitsa ndalama zochepa.
Maakaunti awa amapangitsa kuti kubanki ikhale yosavuta komanso yosavuta popereka makhadi a kingingi aulere, kuchotsa kwa ATM kwaulere, kukhazikitsa akaunti yapaintaneti, mabanki a digito, ndi zina zambiri. Amaperekanso mwayi wabwino woti anthu asunge ndalama chifukwa sadera nkhawa za kulipira chindapusa kuti asunge ndalama zochepa.
Ponseponse, aliyense amene akufuna kupanga akaunti yakubanki yatsopano kapena kusamutsira kwa mabanki omwe ali ndi ndalama zambiri akuyenera kuganizira maakaunti aku banki opanda ziro.
Siyani Mumakonda