Ngaba uyakruquka kukugcina imali encinci kwiakhawunti yakho yebhanki?
Ngaba ukruqukile kukuhlawula izohlwayo ngokungayigcini loo mali?
Awuwedwa, nangona kunjalo. AmaIndiya amaninzi asokola ukuba abenemali encinci kwiiakhawunti zabo zebhanki, kodwa ngokuvela kwee-akhawunti zebhanki zero-balance, oku akuseyongxaki.
Esi sithuba siya kudlula kwezona akhawunti zisithoba zibalaseleyo ze-zero-balance bank eIndiya, kunye neempawu zabo kunye nendlela abanokukunceda ngayo. Sihlawule yonke into ukusuka kwiibhanki zikarhulumente ukuya kwiibhanki zorhwebo. Iakhawunti yebhanki esele ingenaziro yeyona ndlela ilungileyo kuye nabani na ozama ukuyenza Gcina imali, nokuba ungumfundi, umnini wenkampani encinci, okanye nje umntu ojonge ukonga imali.
Ke hlala phantsi, phumla, kwaye masiqalise ekufuneleni eyona akhawunti yebhanki ibhalansi enguziro!
Equitas Bank Digital Savings Account
Ukusukela ekusekweni kwayo ngo-2007, iBhanki ye-Equitas ibonelele kubathengi bayo iindlela zokubhanka ezikumgangatho ophezulu. Iakhawunti yabo yoLondolozo lweDijithali yenye yokhetho olunjalo, olulungele abo bathanda ukwenza lula ukubhankisha kwabo besekhaya. Le akhawunti ilula ukuseta kwaye ayinayo ibhalansi encinci; Konke okudingayo yiPAN yakho kunye nekhadi leAadhaar.
Ukongeza, akukho mfuneko yokutyelela ngokwasemzimbeni nawaphi na amasebe kuba iakhawunti idijithali ngokupheleleyo. Ngesicelo esiphathwayo sebhanki, esisebenza kunye nezixhobo ze-iOS kunye ne-Android, unokulawula ngokulula iakhawunti yakho.
Ibhanki ikwaqinisekisa ii-akhawunti zasimahla kunye nokuthotyelwa ngokupheleleyo kwe-KYC kwiakhawunti nganye. Lukhetho olufanelekileyo kubantu abaphelelwe lixesha abaxabisa intuthuzelo kunye nokulula.
- Ubuncinane beMfaneleko yoMncono:- Azikho
- Iintlawulo kunye neeNtlawulo:- Nil (Akukho ntlawulo zifihliweyo)
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:- I-akhawunti ye-Equitas Digital Savings Account yi-akhawunti yedijithali epheleleyo enokuvulwa ngokulula kwi-intanethi usebenzisa i-PAN yakho kunye nekhadi le-Aadhaar. Akukho mfuneko yokutyelela isebe.
- Umgangatho wenzala:- Inzala ifakwa qho ngekota. Okulandelayo ngamazinga enzala.
Ukuya kuthi ga kwi-1 lakh 3.50% R1 lakh - ₹ 5 lakhs 5.25% Ngaphezulu kwe-5 lakhs 7.00% - Ukutsalwa kwemali kwi-ATM:- Zisimahla kwii-ATM zabo. Kwezinye ii-ATM, ukuthengiselana kwe-3 kunye nokuthengiselana kwe-5 kuvunyelwe kwiidolophu ze-metro kunye ne-non-metro, ngokulandelanayo.
- Ikhadi ekufakwa imali:- Iintlobo ze-5 zamakhadi e-debit akhoyo (i-Visa Classic, i-Visa Gold, i-Visa Platinum, i-Visa Signature) (Iintlawulo ziyahluka ngokufanelekileyo)
- Khangela incwadi:- Incwadi yetshekhi enye simahla kwindleko ngonyaka.
- Iinkonzo zeBhanki zeDijithali:- Iitransekshini zasimahla zeNEFT/IMPS/RTGS ngokubhankisha okushiyekileyo, kodwa iintlawulo zinokufaka isicelo kwiitransekshini zesebe.
- Ulungelelwaniso olufanelekileyo
- Ngaphezulu kweminyaka eli-18 ubudala
- Abahlali baseIndiya
- I-PAN kunye nekhadi le-Aadhaar liyafuneka
- IziBonelelo eziNgezelelweyo
- Uncedo lweakhawunti edibeneyo
- Ukutsalwa kweMali okuguquguqukayo
- Ibhalansi yokuGqithisela
- Uxwebhu oluncinci
- Iindleko zokusebenza eziphantsi
Iakhawunti yeDigtal yeBhanki yeMali encinci ye-AU
I-AU Small Finance Bank izenzele igama kwindawo yebhanki yedijithali ngokusungula uluhlu olubanzi lweeakhawunti zedijithali ezibonelela ngeemfuno zabathengi abahlukeneyo. Iakhawunti yedijithali yebhanki enguziro, eyaziwa ngokuba yi-AU Digital, ibonelela ngendlela elula nelula kubathengi ukuba benze wonke umsebenzi wabo webhanki kunye nezezimali ngeefowuni zevidiyo.
Oku kuthetha ukuba abathengi banokufumana imibuzo yabo isonjululwe ngumsebenzi webhanki ngqo, ngaphandle kokutyelela isebe.
Ukongezelela, ibhanki iphinde iqalise ezinye iinketho ze-akhawunti yedijithali ezifana nePlatinum kunye neRoyale, nganye ilungiselela iimfuno ezithile kunye nokubonelela ngeenzuzo ezizodwa kubathengi. Ngeeakhawunti zedijithali zeBhanki yeMali encinci ye-AU, abathengi banokukonwabela uncedo lwebhanki ukusuka kubutofotofo bamakhaya abo.
- Ubuncinane obufunekayo boMncono:- Akukho
- Imirhumo neeNtlawulo:- Akukho
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:- Le akhawunti yedijithali yonke inokuvulwa ngefowuni yevidiyo kunye namagosa ebhanki, usebenzisa i-PAN yakho kunye nekhadi le-Aadhaar njengamaxwebhu afunekayo kuphela.
- Umgangatho wenzala:- Inzala ifakwa qho ngenyanga, ngezi ntlawulo zilandelayo:
- Ukutsalwa kwemali kwi-ATM:-Unlimited intengiselwano simahla AU Small Finance Bank ATM kunye nezinye ATM zebhanki.
- Ikhadi ekufakwa imali:- Rupay Platinum Debit Card. Ukukhutshwa kunye nentlawulo yonyaka ye-Rs. 150+ GST
- Khangela incwadi:- Amagqabi angama-25 anikezelwa simahla ngonyaka.
- Iinkonzo zeBhanki zeDijithali:-Intengiselwano yasimahla yeNEFT/IMPS/RTGS ngebhanki yenetha okanye umnxeba wevidiyo.
- Ulungelelwaniso olufanelekileyo
- Ngaphezulu kweminyaka eli-18 ubudala
- Abahlali baseIndiya
- I-PAN kunye nekhadi le-Aadhaar liyafuneka
- IziBonelelo eziNgezelelweyo
- Ufikelelo kwisikhululo seenqwelomoya sasekhaya - utyelelo kabini ngekota.
- Iinkonzo zebhanki yevidiyo kunye neentengiselwano.
- I-24 × 7 ukufikelela kwiimali nge-app yebhanki yeselula kunye ne-portal yebhanki ye-intanethi.
- Uluhlu olubanzi lweemveliso kubandakanya iilokha, iDemat, funds mutual, imali-mboleko, kunye ne-inshurensi.
- Amava ebhanki angenamaphepha.
SBI Basic Savings Akhawunti
IBhanki yoMbuso yaseIndiya, ngamanye amaxesha eyaziwa ngokuba yi-SBI, ligama elinxulunyaniswa ngokusondeleyo nokuthembeka nokuzithemba. I-SBI ikhona iminyaka engaphezu kwama-200 kwaye inyamezele ukuba ibe yenye yeebhanki ezihloniphekileyo kwilizwe. I-Akhawunti yeDipozithi yeBhanki eyiSiseko, edla ngokubizwa ngokuba yi-akhawunti ye-PM Jan Dhan Yojana, yenye yezona mveliso zaziwayo zebhanki. Le akhawunti yokonga ilula ayinayo ibhalansi kwaye yenzelwe abantu abafuna ukhetho olulula lwebhanki.
Le nkqubo ixhaswa ngurhulumente ijolise kumaqela anemivuzo ephantsi kuluntu ngeenzame zokukhuthaza ukonga phakathi kwabo ngaphandle kokubabangela ukuba baxhalabe malunga nezohlwayo zomncono omncinci. I-akhawunti inokuvulwa kuyo nayiphi na ibhanki ye-SBI, eneendawo ezingaphezu kwe-22,000 kulo lonke elaseIndiya. I-akhawunti ifanelekile kubantu abanqwenela ukugcina imali yabo ngokuthe ngqo kwaye ilungelelaniswe kakuhle okanye abafuna ukuqala ukugcina imali kwixesha elizayo.
- Ubuncinane beMfaneleko yoMncono:- Nil.
- Iintlawulo kunye neeNtlawulo:- Azikho
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:- Ukuvula i-akhawunti, abathengi bafuna nje ukugcwalisa ifom yesicelo kwaye babonelele ngesazisi esiyimfuneko kunye namaxwebhu edilesi, njenge
- Ikhadi le-Aadhaar, ikhadi lesazisi soMvoti, ikhadi lePAN, okanye iLayisensi yokuqhuba.
- Iifoto ezimbini zobukhulu bepaspoti nazo ziyafuneka.
- Umgangatho wenzala:- Abathengi abaneebhalansi ze-1 lakh rupees ubuncinci bafumana inzala ye-3.25%, ngelixa abo bancinci befumana i-3.50%.
- Ukutsalwa kwemali kwi-ATM:- Abathengi banelungelo lokuhoxiswa kwe-ATM ye-4 yamahhala ngenyanga, kuquka ukuhoxiswa kwe-SBI kunye nezinye ii-ATM zebhanki. Tiiranteni ngaphaya komda wasimahla ziya kwenza umrhumo we-INR 20 kunye ne-18% GST.
- Ikhadi ekufakwa imali:- Abathengi banokufaka isicelo sekhadi ledebhithi leRuPay lasimahla elingenayo i-AMC (Iintlawulo zoLondolozo zoNyaka).
- Khangela incwadi:- Ayifumaneki
- Iinkonzo zeBhanki zeDijithali:- Iinkonzo zothumelo lwemali zombane ezifana ne-NEFT kunye ne-RTGS zisetyenziswa simahla.
- Iinqobo zokufaneleka:-Nawuphi na umhlali waseIndiya onamaxwebhu ayimfuneko e-KYC, njengekhadi le-PAN okanye ikhadi le-Aadhaar, unokuvula iakhawunti.
- Imimmiselo nemiqathango:- Abathengi abanakubamba nayiphi na enye i-akhawunti yokonga ebhankini ngelixa benayo i-akhawunti ye-Basic Savings Bank Deposit. Ukuba sele benayo i-akhawunti yokonga, kufuneka bayivale zingaphelanga iintsuku ezingama-30 zokuvula i-akhawunti yabo ye-BSBD.
Fi Imali
- Ubuncinci beMfaneleko yoMncono:– Akukho
- Iintlawulo kunye neeNtlawulo:- Akukho ntlawulo yongezelelweyo yokukhathazeka ngayo. Nangona kunjalo, intlawulo encinci ye-2.5% okanye i-Rs. I-10 (nokuba yeyiphi enkulu ngakumbi) iya kusetyenziswa kwizikhululo zepetroli.
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:Ukuvula iakhawunti yokonga i-zero-balance ngeFi, ekuphela kwento ekufuneka uyenzile kukukhuphela usetyenziso kwisixhobo sakho se-android okanye se-IOS. Ekubeni i-app yenzelwe ngokukodwa iingcali ezisebenzayo, inkqubo yokuhlola elula iya kuqhutywa ukuze kuqinisekiswe ubume bakho bengqesho, ekufuneka ithathe imizuzu engaphezulu kwe-5.
- Umgangatho wenzala:– i-2.4% yeebhalansi ezingaphantsi kwe-5 crore
- Ukutsalwa kwemali kwi-ATM:- Ukutsalwa kwemali kwii-ATM zeBhanki ye-Federal simahla. Kwezinye ii-ATM, ungenza intengiselwano ezintlanu simahla ngenyanga nganye, emva koko kuya kufakwa umrhumo wama-20 ngentengiselwano nganye.
- Ikhadi ekufakwa imali:-Xa uvula i-Akhawunti ye-Fi Savings, uya kufumana i-VISA Platinum Debit Card ngaphandle kokukhutshelwa okanye umrhumo wokulondoloza ngonyaka kwaye akukho ntlawulo yentengiselwano yamazwe ngamazwe.
- Khangela Incwadi:- Uya kufumana iincwadi zeetshekhi ezimbini ezinamagqabi amahlanu etshekhi, zisiwe emnyango wakho rhoqo kwiinyanga ezintandathu simahla
- Iinkonzo zeBhanki zeDijithali:- Intengiselwano ye-NEFT kunye ne-RTGS iyafumaneka kwi-intanethi ngaphandle kweentlawulo zongezelelweyo.
- Iinqobo zokufaneleka:- Ukuvula iAkhawunti ye-Fi Money Savings, kuya kufuneka unikeze la maxwebhu alandelayo:
- Iifoto ezi-2 ezilingana nencwadana yokundwendwela
- Ubungqina bedilesi (iKhadi le-Aadhaar, ikhadi lesazisi soMvoti, ilayisenisi yokuqhuba esebenzayo, ipasipoti, ikhadi le-NREGA lomsebenzi elisayinwe ligosa likaRhulumente)
- IziBonelelo eziNgezelelweyo
- Nandipha ukukhululeka kokungabikho kwamasebe okanye amaxwebhu amade,
- uyilo olulula ukulusebenzisa,
- kunye neenkuthazo ezifana neenkozo ze-Fi, ezinokuthi zihlawulelwe kubathengisi abakhethiweyo.
- Uyakwabelwa umntu oncedisayo ukuba akuncede kwiakhawunti yakho.
Kotak 811 Iakhawunti yeBhanki yeDijithali
IBhanki yaseKotak Mahindra, igama elihloniphekileyo kwishishini lebhanki laseIndiya, libonelela ngesisombululo esisodwa sebhanki yedijithali kunye neAkhawunti yeBhanki yeDijithali ye-Kotak 811. Le akhawunti entsha iza ngeendlela ezintathu ezahlukeneyo, nganye ilungiselelwe ukuhlangabezana neemfuno ezithile zabathengi bayo. Inqanaba loQinisekiso loKwazi uMthengi Wakho (KYC) olufunekayo kumohluko ngamnye uyahluka, kunye nesiqinisekiso esinamandla esikhokelela ekufikeleleni kwiinkonzo ezininzi.
Ukwahluka okupheleleyo kwe-KYC ye-akhawunti ye-Kotak 811 kuphawuleka ngokukodwa, njengoko i-akhawunti ye-zero-balance inika abathengi uluhlu olubanzi lweenzuzo kunye neenkonzo ngaphandle kokufuna nayiphi na ibhalansi encinci. Le akhawunti yenzelwe abo bafuna amava ebhanki afanelekileyo kunye nasimahla. Ngokwahluka okupheleleyo kwe-KYC ye-Kotak 811, abathengi banokonwabela i-suite epheleleyo yeenkonzo zebhanki yedijithali ngelixa imali yabo ikhuselwe kwi-inshurensi ukuya kumda othile ngokwemigaqo ye-RBI.
- Ubuncinci beMfaneleko yoMncono:– Akukho
- Iintlawulo kunye neeNtlawulo:- Akukho mali efihliweyo
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:-Inkqubo ekhawulezayo nelula kwi-intanethi yokuvula iakhawunti yeKotak 811 ngaphandle kwesidingo samasebe ngokwasemzimbeni okanye amaphepha abanzi.
- Umgangatho wenzala:-Inzala enomtsalane ye-3.5% yeediphozithi ukuya kuthi ga kwi-50 lahks kunye ne-4% yeediphozithi ezingaphezulu kweso sixa
- Ukutsalwa kwemali kwi-ATM:- Akukho ntlawulo yokutsalwa kwemali
- Ikhadi ekufakwa imali:- Ikhadi le-Prepaid ebonakalayo liyafumaneka, kwaye ukhetho lokongeza ikhadi le-debit ebonakalayo kunye nomrhumo wonyaka we-INR 299 (kubandakanywa ne-GST)
- Khangela incwadi:- INR 3 ngegqabi ngalinye
- Iinkonzo zeBhanki yeDijithali:-Iintengiselwano ezikwi-intanethi ezifanelekileyo nge-NEFT/RTGS/IMPS zifumaneka ngaphandle kweendleko ezongezelelweyo
- Iinqobo zokufaneleka:- Ukuze ufanelekele iakhawunti yeKotak 811, kufuneka ube:
- Iminyaka eyi-18 ubudala okanye ngaphezulu
- Yiba nekhadi elisebenzayo le-Aadhaar kunye ne-PAN
- Umhlali waseIndiya onedilesi yaseIndiya
- Akukho ngoku ubambe ubudlelwane bangaphambili ne-Kotak Mahindra Bank
- IziBonelelo eziNgezelelweyo
- 24/7 ukufikelela kwi-akhawunti yakho nge-intanethi kunye nebhanki ephathwayo
- Ngaphezulu kwe-180 iimpawu ezibandakanya iintlawulo zebhili, ukhetho lotyalo-mali, kunye nokunye
- Khusela usetyenziso olunobungqina bezinto ezimbini kunye nojongano olusebenziseka lula
Indus Digi-Start: Digital Savings Account
I-IndusInd Bank inembali ekudala ikho yokubonelela ngezisombululo zebhanki ezintsha ezibonelela ngeemfuno ezahlukeneyo zabathengi bayo. Enye iminikelo enjalo yi-Akhawunti yeBhanki ye-IndusInd, enika uluhlu olubanzi lwezinto ongakhetha kuzo, nokuba kukuphila ubomi obuphezulu okanye ukuqhuba ishishini.
Ngeakhawunti yokonga yeBhanki ye-IndusInd, abathengi banokukonwabela ukuguquguquka kunye nokulungelwa kwebhanki kwenye yeebhanki eziphambili zecandelo labucala laseIndiya. Ukusuka kumalungelo afana nofikelelo lwebhanki lwe-24/7, abaphathi bobudlelwane abazinikeleyo, kunye nonikezelo olukhethekileyo, Iakhawunti ye-IndusInd Bank Savings lukhetho olugqibeleleyo kuye nabani na okhangela amava ebhanki abanzi.
- Ubuncinci beMfaneleko yoMncono:-Idiphozithi yokuqala ye-INR 20,000 iyafuneka ukuze uvule iakhawunti yokonga i-Indus digi-start
- Iintlawulo kunye neeNtlawulo:- Yonwabela zonke izibonelelo zale akhawunti ngaphandle kweendleko zokuyigcina emva kwediphozithi yokuqala
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:-Vula iakhawunti yokonga yedijithali kunye neBhanki ye-IndusInd ngaphandle kokunyathela kwisebe lomzimba. Gcwalisa ngokulula ifom yesicelo kwi-intanethi kwaye ube nekhadi lakho le-Aadhaar kunye ne-PAN esandleni.
- Umgangatho wenzala:- Fumana inzala ye-3.50% kwibhalansi ukuya kuthi ga kwi-INR 1 lakh
- Ukutsalwa kwemali kwi-ATM:- Khutha imali simahla kuyo nayiphi na i-ATM yaseIndiya usebenzisa ikhadi lakho lebhanki le-IndusInd Bank
- Ikhadi ekufakwa imali:- Fumana i-titanium debit card ye-INR 249 + GST. Ikhadi likwabandakanya ukuhlawulelwa kwetyala le-INR 1 lakh kunye nokhuseleko lokuthenga lwe-INR 50,000.
- Khangela incwadi:- Incwadi yokukhangela yasimahla ibandakanywe neakhawunti
- Iinkonzo zeBhanki yeDijithali:-Sebenzisa iBhanki ye-IndusInd QuickPay ukudluliselwa kwemali ngokulula nangokukhawuleza ngeSMS, i-imeyile, okanye amaqonga oluntu ngaphandle kokufuna ulwazi lweakhawunti yebhanki yomamkeli
- Iinqobo zokufaneleka:- Ukuvula i-akhawunti ye-Indus digi-start savings, kufuneka ube:
- Inombolo esebenzayo yeAadhaar edityaniswe nenombolo yakho yeselula
- Ikopi ebonakalayo yekhadi lakho lePAN
- Ikhamera kwisixhobo sakho esiphathwayo okanye kwidesktop
- IziBonelelo eziNgezelelweyo
- Imbuyiselo yemali: INR 500 kwiintengiselwano ezahlukeneyo ezifana nokutshajiswa ngokutsha kunye nokubhukisha ikhebhu
- Izaphulelo ezikhethekileyo: Unikezelo ngokuhamba, ifashoni, kunye nokuthenga ngamaxesha athile
- Inketho yokukhetha inombolo yeakhawunti yakho, nokuba yinombolo yakho yefowuni, umhla wokuzalwa, okanye inombolo yethamsanqa oyikhethileyo!
Iakhawunti yeBhanki ye-DBS Digi Savings
Iziko lezemali eliphambili laseAsia i-DBS Bank ibonelela ngeakhawunti yokonga yedijithali eyenzelwe ukuzalisekisa iimfuno zabantu banamhlanje be-tech-savvy. Akukho mfuneko incinane yebhalansi yokudala okanye ukugcina i-Akhawunti yeBhanki yoSavings ye-DBS Digi isebenza kuba yi-akhawunti ye-zero-balance. Le akhawunti inokufumaneka kusetyenziswa imijelo yedijithali yebhanki, kubandakanywa ibhanki ephathwayo kunye nebhanki ye-intanethi, kwaye kulula ukuyivula ngaphandle kwemfuneko yamaphepha. Unokwenza lula imisebenzi ebandakanya iidipozithi, ukutsalwa kwemali, kunye nokudluliselwa kwemali usebenzisa i-akhawunti yeBhanki ye-DBS Digi Savings.
I-akhawunti iza nekhadi lebhanki lasimahla kunye ne-passbook onokuyisebenzisa kwiimfuno zakho zebhanki zemihla ngemihla. Ukongeza, abathengi banako ukonwabela izibonelelo ze-DBS 'International Platinum Debit Card, ebonelela ngoluhlu lweentengiso kunye nezibonelelo kulo lonke elase-Asiya, kubandakanya ukubuyisela imali kuyo yonke inkcitho, izivumelwano ezikhethekileyo zokuthenga, ukuhamba, kunye nokuzonwabisa, ukurhoxiswa okuphezulu kunye nemida yenkcitho, kunye amazinga otshintshiselwano lwangaphandle.
- Ubuncinci beMfaneleko yoMncono:– Akukho
- Iintlawulo kunye neeNtlawulo:- Azikho iintlawulo zokuvula okanye ukugcinwa kwe-akhawunti
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:-Vula ngokulula iakhawunti yokonga yedijithali kunye neBhanki yeDBS ngokundwendwela iwebhusayithi okanye usebenzisa iapp ephathwayo. Qinisekisa ukuba unekhadi lakho lePAN, isazisi, kunye namaxwebhu obungqina bedilesi elungele inkqubo engenamthungo.
- Umgangatho wenzala:- Jabulela inzala ye-3.25% kwiidiphozithi ukuya kwi-INR 1 lakh, kunye nenzala ehlawulwa ngekota okanye enye isiseko njengoko kunqunywe yibhanki.
- Ukutsalwa kwemali kwi-ATM: - Ukurhoxiswa okungenamkhawulo kwasimahla ngee-ATM kunye nezinye iziteshi.
- Ikhadi ekufakwa imali:- Fumana ikhadi le-DBS yePlatinam yeDebhithi ehambelanayo ne-akhawunti yakho
- Khangela incwadi:- Incwadi yetshekhi yasimahla inikezelwe ngeakhawunti yakho
- Iinkonzo zeBhanki yeDijithali:-Yonwabela iinkonzo zasimahla zokudlulisa imali kwi-intanethi nge-RTGS, i-IMPS, kunye ne-NEFT.
- Iinqobo zokufaneleka:- Nabani na ongumIndiya, NRI, Hindu Undivided Family, okanye ummi wangaphandle unokuvula iakhawunti yokonga kwiBhanki yeDBS. Kuya kufuneka unikeze ubungqina besazisi kunye nedilesi ngokweemfuno ze-KYC.
- IziBonelelo eziNgezelelweyo
- Unlimited yenyanga idipozithi isakhono
- Incwadi yokupasa yasimahla yokujonga iakhawunti ngokulula
- Sebenzisa iakhawunti yakho kwintengiselwano yemihla ngemihla, efana nediphozithi, ukutsalwa kwemali, kunye nokuthunyelwa kwemali.
- Iingxelo zenyanga zasimahla
- Ukutshintshwa kwekhadi elilahlekileyo, elibiweyo, okanye elonakeleyo ngaphandle kweendleko
HDFC Basic Savings Account
Enye yeebhanki eziphezulu zecandelo labucala eIndiya, iHDFC Bank, ibonelela ngeAkhawunti yeDiphozithi yeBhanki eyiSiseko (BSBDA) elungiselelwe ukuhlangabezana neemfuno eziphambili zabantu zebhanki. Le akhawunti ivuleleke kwiintlobo ngeentlobo zabathengi kuba akukho mfuneko incinane yebhalansi.
Abathengi banokufikelela kuluhlu lweenkonzo zebhanki, kubandakanya ibhanki yedijithali kunye nentengiselwano yeATM, kumasebe amaninzi kunye neendawo kulo lonke elaseIndiya ngeakhawunti yeBSBDA. Abathengi banokuthemba ukuba imali yabo ikhuselekile kule akhawunti ekubeni iBhanki ye-HDFC inegama lokuthembeka kunye nokhuseleko. Le akhawunti ifanelekile kubantu abafuna indlela ethe ngqo nesebenzayo yokuphatha imali yabo.
- Ubuncinci beMfaneleko yoMncono:– Akukho
- Iintlawulo kunye neeNtlawulo:- Akukho mirhumo eyayanyaniswa nokuvula iAkhawunti yeDipozithi yeBhanki eyiSiseko kwiBhanki yeHDFC. Ukongeza, iKhadi leDebit uya kubonelelwa kuwe ngaphandle kweendleko.
- Ukuvula nokugcinwa kwe-akhawunti ngokulula
- Unokukhetha ukuvula i-akhawunti yakho ngokwakho kwisebe leBhanki ye-HDFC kwaye ufumane uncedo kumqeshwa okhethiweyo.
- Kungenjalo, unokuvula iakhawunti yakho kwi-Intanethi ngokubonelela ngenombolo yakho yeselula kwaye ulayishe ifomu kunye namaxwebhu ayimfuneko.
- Umgangatho wenzala:– Fumana inzala ye-3% kwibhalansi ukuya kuthi ga kwi-50 lakhs
- Ukutsalwa kwemali kwi-ATM:- Ukurhoxiswa okune kuthotyelwa kwenyanga ngenyanga nangayiphi na indlela kuquka ukutsalwa kwemali kwisebe okanye kwi-ATM, NEFT, RTGS, IMPS, Clearing, DD/MC ukukhutshwa, njl.
- Ikhadi ekufakwa imali:-Fikelela kwiakhawunti yakho ngekhadi leRupay elincomekayo
- Khangela incwadi:- Ngama-25 amagqabi etshekhi ngonyaka-mali ngamnye. Iincwadi zeetshekhi ezongezelelweyo zingathengwa ngamagqabi angama-25 ngexabiso le-Rs 100/- (i-Rs.75 kubantu abadala)
- Iinqobo zokufaneleka:-
- Abantu abangabahlali (i-akhawunti eyodwa okanye edibeneyo)
- Iintsapho zamaHindu Ezingahlulwahlulwayo
- Kufuneka ungabinayo i-Akhawunti ye-BSBD ekhoyo kunye nayo nayiphi na enye ibhanki
- Kufuneka ungabi nayo nayiphi na enye i-akhawunti yogcino kwi-HDFC Bank
- Abancinci abangaphezu kweminyaka eyi-10 banelungelo lokuvula ii-akhawunti ezincinci ezisebenza ngokwabo kwaye bafumane i-ATM / ikhadi le-Debit
- IziBonelelo eziNgezelelweyo
- I-Safe Deposit Locker kunye nezibonelelo ze-Super Saver ziyafumaneka
- Inkonzo yokupasa yasimahla kubo bonke abanini-akhawunti
- Iidiphozithi zemali ezihlawulelwayo kumasebe nakwii-ATM
- Ubomi beBillPay ngaphandle kweendleko
- Iingxelo ze-imeyile zasimahla zebhalansi yeakhawunti, ukuhlawula amatyala asetyenziswayo, okanye ukumisa iintlawulo zesheke ngeSMS
Iakhawunti eSiseko eyiChartered
Ukusukela ekusekweni kwayo ngo-1853, i-Standard Chartered Bank inembali ende neqaqambileyo yokunikezela ngeenkonzo zemali ebantwini nakwiinkampani. Ukuzinikela kwebhanki ekwenzeni ukubhankisha ngokuthe ngqo kwaye kufumaneke kuye wonke umntu kubonakaliswa nge-Akhawunti eSisiseko, inketho yokonga engacongiyo. Le akhawunti lolona khetho lufanelekileyo kubantu abakhangela indlela elula yokulawula iimali zabo kuba ayinazithintelo zomncono omncinci.
I-Akhawunti Esisiseko evela kwi-Standard Chartered yeyona ndlela ilungileyo nokuba usaqala okanye ukhangela i-akhawunti ethembekileyo ukuze ulawule iintengiselwano zakho zesiqhelo. Nabani na okhangela amava ebhanki angenangxaki uya kuyithanda indlela ekulula ngayo ukuvula nokulawula.
- Ubuncinci beMfaneleko yoMncono:– Akukho
- Iintlawulo kunye neeNtlawulo:- Akukho ntlawulo yokuvula nokugcina iStandard Chartered savings account.
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:-Ukuvula iakhawunti ngeStandard Chartered, tyelela elinye lamasebe abo kwaye ugcwalise ifomu yesicelo ngolwazi lwakho lomntu kwaye ungenise nawaphi na amaxwebhu afunekayo.
- Umgangatho wenzala:- 2.75% kwibhalansi ukuya kwi-50 lakh
- Ukutsalwa kwemali kwi-ATM:- Yonwabela ukurhola okungenamkhawulo, simahla kuyo nayiphi na i-ATM yelizwe.
- Ikhadi ekufakwa imali:- Fumana ikhadi ledebhithi elincomekayo ukuze ufikelele lula kwiimali zakho kwaye uthenge.
- Khangela incwadi:- Fumana incwadi yokukhangela encomekayo, enemizi emininzi ukuze kube lula kuwe.
- Iinkonzo zeBhanki yeDijithali:-Dlulisa imali ngokukhawuleza kwaye ngaphandle kweentlawulo ezongezelelweyo usebenzisa i-NEFT, IMPS, kunye ne-RTGS.
- Ulungelelwaniso olufanelekileyo
(i) Umntu ongumhlali
(ii) Iindlela ezamkelweyo zokuzazisa kunye nobungqina bedilesi ziquka:
- Ipasipoti,
- Impepha zokuqhuba
- Ubungqina bokufumana inombolo ye-Aadhaar
- Ikhadi lesazisi soMvoti elikhutshwe yiKomishoni yoNyulo yaseIndiya
- Ikhadi lomsebenzi elikhutshwe yi-NREGA
- Ileta ekhutshwe yiRejista yeSizwe yaBemi equlethe iinkcukacha zegama nedilesi.
- IziBonelelo eziNgezelelweyo
- Ufikelelo olungathintelwanga kulo naliphi na isebe leStandard Chartered eIndiya ngaphandle kwentlawulo eyongezelelweyo.
- Iinkonzo ze-24/7 zefowuni kunye neebhanki ze-intanethi zoncedo kuyo nayiphi na imiba.
- Ukufikelela kwiintlobo ngeentlobo zezisombululo zokuhlawula kwangoko ezibandakanya i-UPI, i-Bharat QR, izisombululo zentlawulo yebhili ye-Bharat, kunye ne-Samsung Pay.
I-Akhawunti ye-ICICI yoLondolozo oluSisiseko
I-ICICI Bank, enye yeebhanki eziphambili zecandelo labucala laseIndiya, ibonelela ngeAkhawunti yoLondolozo oluSisiseko kubathengi abafuna indlela elula nefikelelekayo yokulawula iimali zabo. Isekwe kwi-1994 kwaye ikomkhulu eMumbai, i-ICICI Bank inonxibelelwano olubanzi lwamasebe kunye nee-ATM kwilizwe lonke.
Ngokusungulwa kwePradhan Mantri Jan Dhan Yojana (PMJDY), i-ICICI Bank yenze kube lula ngakumbi kubantu abavela kuzo zonke iinkalo zobomi ukuvula i-akhawunti yokulondoloza, kungakhathaliseki ukuba imeko yabo yezemali. Eli nyathelo, lisungulwe ngurhulumente waseIndiya, lijolise ekuboneleleni ngokubandakanywa kwemali kunye nokufikelela kwityala kumacandelo oluntu ebefudula engabandakanyiwe, kwaye iAkhawunti ye-ICICI Bank yeBank's Basic Savings Account licandelo eliphambili lale nzame.
- Ubuncinci beMfaneleko yoMncono:– Akukho
- Iintlawulo kunye neeNtlawulo:-Akukho mali ifunekayo ukuze uvule i-akhawunti
- Ukuvula nokugcinwa kwe-akhawunti ngokulula
- Unokwenza isicelo se-akhawunti ye-ICICI Basic savings ngokutyelela iwebhusayithi yabo okanye ngokubiza inkonzo yabo yokunakekelwa kwabathengi.
- Unokutyelela isebe lebhanki elikufutshane le-ICICI kwaye ucele ukuvula i-akhawunti.
- Umgangatho wenzala:- 3% kwibhalansi engaphantsi kwe-50 lakhs. Inzala iya kuhlawulwa ngekota nganye.
- Ukutsalwa kwemali kwi-ATM: - Iintengiselwano zokuqala ezi-5 zisimahla. Ukurhoxiswa ngakunye emva koko kuya kuxabisa i-Rs 20.
- Ikhadi ekufakwa imali:- Ufumana iRupay Debit Card yasimahla ngaphandle kweentlawulo zonyaka. Inkcitho yemihla ngemihla / umda wokurhoxisa yi-INR 10,000.
- Khangela incwadi:- Incwadi yetshekhi enye inikezelwa simahla. Incwadi nganye yetshekhi eyongezelelweyo iya kuxabisa i-R20
- Iinkonzo zeBhanki yeDijithali:-Ukudluliselwa kwemali simahla usebenzisa iNEFT & RTGS
- Ulungelelwaniso olufanelekileyo
- Kuya kufuneka ube ngumhlali waseIndiya ongaphezulu kweminyaka eli-18 ubudala.
- Ii-NRI azifanelekanga ukuvula le akhawunti.
- Awunayo nayiphi na enye i-akhawunti yokonga, kuquka i-BSBDA kunye nebhanki ye-ICICI
- Ufaka isicelo se-akhawunti ngokwesikhundla sakho kwaye hayi njengeKarta yoSapho lwamaHindu olungahlulwenga (HUF)
- IziBonelelo eziNgezelelweyo
- Ufumana iidiphozithi zemali simahla
- Indawo yokupasa iyafumaneka kwiBhanki ye-Intanethi yasimahla
- Mobile Banking iyafumaneka ngesicelo
- Inikeza indlela enye okanye edibeneyo yokubamba
- Ukufikelela kwii-ATM eziyi-15000+ kulo lonke elaseIndiya
Iakhawunti yoLondolozo oluSisiseko lwe-RBL
IRatnakar Bank Limited, edla ngokubizwa ngokuba yiRBL, ngumbutho ohloniphekileyo osele uneminyaka engaphezu kwama-70 unceda abantu baseIndiya. Ukusukela ekusekweni kwayo ngo-1943, ibhanki iye yanda yabandakanya amasebe kunye neeofisi ezingaphezu kwama-300 kwizixeko ezibalulekileyo kulo lonke ilizwe.
I-RBL izenzele igama kwicandelo logcino-mali ngokubeka ugxininiso olumandla ekujonganeni neemfuno zezemali zeentlobo ngeentlobo zabathengi, kubandakanywa abasetyhini, abantu abadala, kunye nabo basebenzayo. I-Akhawunti ye-Basic Savings, enye yeemveliso zabo ezininzi, lukhetho oluthe ngqo kuye nabani na onomdla wokuqalisa ukonga kunye nokulawula imali yakhe.
- Ubuncinci beMfaneleko yoMncono:– Akukho
- Iintlawulo kunye neeNtlawulo:- Akukho zindleko zongezelelweyo
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:– Vula i-akhawunti yokonga ye-RBL Bank ngokulula ngokutyelela iwebhusayithi yeBhanki ye-RBL uze ulandele amanyathelo ambalwa alula. Enye indlela kukunika umnxeba ophosiweyo ku-9355-71-9355 ukuze uqalise ngokukhawuleza i-akhawunti yakho yokonga.
- Umgangatho wenzala:– 4.25% pa kwibhalansi ukuya kuthi ga kwi-Rs. I-1 Lac, ibalwe yonke imihla
- Ukutsalwa kwemali kwi-ATM:- Yonwabela intengiselwano engasikelwanga mda kwii-ATM zeBhanki ye-RBL. Imida yokurhoxiswa ibekwe kwi-50,000 rupees ye-ATM kunye ne-30,000 rupees ye-POS.
- Ikhadi ekufakwa imali:- Fumana iKhadi leRyPay eliluncedo simahla
- Khangela incwadi:- Ukufumana ama-2 entlawulo ahlawulelwayo ngokwesheke ngonyaka, namagqabi angama-40 kwincwadi nganye
- Iinkonzo zeBhanki yeDijithali:-Ukutshintshela imali simahla usebenzisa iNEFT & RTGS
- Iinqobo zokufaneleka:- Ukufaka isicelo seakhawunti yokonga yeBhanki ye-RBL, umfaki-sicelo kufuneka abe ngumhlali waseIndiya kunye neminyaka eli-18 ubudala nangaphezulu. I-Akhawunti ye-Executive Plus ifuna umvuzo omncinci we-Rs.50,000 ngenyanga
- IziBonelelo eziNgezelelweyo
- Phone Banking
- Imali yeBhanki
- SMS Banking & Izilumkiso
- Iingxelo ze-E
- Ukubhankisha kwi-Intanethi
- IiNkonzo zeNtlawulo yeBhili ye-Intanethi
- Ukufikelela kulo naliphi na isebe leRBL kulo lonke elaseIndiya
- Ukutshintshwa kwamahhala kwamakhadi awonakeleyo
- Ukonyuka kwamazinga e-FD kubanini-akhawunti abasebenzayo be-RBL
I-akhawunti ye-Axis Basic Savings
Enye yeebhanki eziphezulu zecandelo labucala eIndiya, i-Axis Bank, yaziwa ngokunika abathengi bayo iinkonzo ezibalaseleyo zemali. Ukusukela ekusekweni kwayo ngo-1993, ibhanki iye yaphuhla yaba yeyona mibutho yezemali ehlonelwayo neyaziwayo kweli lizwe. I-Akhawunti ye-Basic Savings Account, eyenza abasebenzisi basebenzise ezona nkonzo zibalaseleyo ngaphandle kokugcina imali encinci, yenye yezona mveliso zithandwa kakhulu. Abathengi ngoku banokuvula iAkhawunti eSisiseko yoLondolozo kwiBhanki ye-Axis ngokwenza incoko yevidiyo elula kunye nommeli ngenxa yokuzinikela kwebhanki kubuchule obutsha kunye nobuchwepheshe.
- Ubuncinci beMfaneleko yoMncono:– Akukho
- Iintlawulo kunye neeNtlawulo:- Akukho ndleko ezongezelelweyo. INR 500 njengemali yokuvala iakhawunti
- Ukuvula nokugcinwa kwe-akhawunti ngokulula:-Vula i-akhawunti ngokukhawuleza ngokufaka isicelo kwi-intanethi kwaye ugcwalise ukuqinisekiswa kwefowuni yevidiyo kunye namagosa ebhanki. Akukho maphepha afunekayo, yiza nePAN yakho kunye nekhadi leAadhaar.
- Umgangatho wenzala:– Inzala ibalwa yonke imihla kwaye ifakwa kwi-akhawunti ngekota. Ireyithi iyahluka ngokusekelwe kwibhalansi ye-akhawunti kwaye okwangoku iphakathi kwe-3% kunye ne-3.5%
- Ukutsalwa kwemali kwi-ATM: - Umda wokurhoxiswa kwansuku zonke we-INR 40,000 kunye ne-4 yokuhoxiswa kwamahhala ngenyanga
- Ikhadi ekufakwa imali:- Ikhadi le-Debit ye-RuPay yasimahla kwaye akukho kukhutshwa okanye umrhumo wonyaka
- Khangela incwadi:- Incwadi yetshekhi eyi-1 ngekota. Iitshekhi ezongezelelweyo kwi-INR 4 ngegqabi ngalinye
- Iinkonzo zeBhanki yeDijithali:-Ukudlulisa imali ngaphandle kwe-intanethi nge-NEFT/RTGS/IMPS ngaphandle kwentlawulo eyongezelelweyo
- Iinqobo zokufaneleka:- Abafake izicelo abafanelekileyo kufuneka babe ngabahlali baseIndiya abangenayo iakhawunti yokonga ekhoyo kwiBhanki ye-Axis kwaye kuya kufuneka babonelele ngeefoto ezimbini zobungakanani bepaspoti zamva nje, kunye nobungqina besazisi kunye nedilesi.
- IziBonelelo eziNgezelelweyo
- Iidipozithi zemali zasimahla
- Ukubhankisha okufanelekileyo kunye nokufikelela kumasebe amaninzi kunye nee-ATM kulo lonke elaseIndiya
- Iinkonzo ze-Intanethi kunye neMobile Banking
- Iingxelo ze-E, izilumkiso zeSMS, kunye nencwadana yokupasa yokulawula iakhawunti ngokulula
E-Indiya, ukuba ne-akhawunti yebhanki engenawo umncono ofunekayo webhalansi kunokuba luncedo kakhulu kwezemali, ngakumbi kubantu abafuna i-akhawunti ngaphandle kwemfuneko yedipozithi ephantsi.
Ezi akhawunti zenza ukuba ibhanki ifikeleleke ngakumbi kwaye ilula ngokubonelela ngamakhadi e-debit simahla, ukutsalwa kwe-ATM simahla, ukuseta iakhawunti ye-Intanethi, iinkonzo zebhanki yedijithali, kunye nokunye. Bakwabonelela ngamathuba amahle okuba abantu bonge imali kuba abanyanzelekanga ukuba bahlawule imirhumo yokugcina ibhalansi ephantsi.
Lilonke, nabani na onqwenela ukwenza i-akhawunti entsha yebhanki okanye utshintshele kumnikezeli webhanki onezoqoqosho kufuneka athathele ingqalelo ezi akhawunti zebhanki eziseleyo.
Shiya iMpendulo