Ingabe unesithukuthezi sokugcina imali encane ku-akhawunti yakho yasebhange?
Ingabe ukhathele ukukhokha izinhlawulo ngokungayigcini leyo bhalansi?
Nokho, awuwedwa. AmaNdiya amaningi akuthola kunzima ukuba nemali encane kuma-akhawunti awo asebhange, kodwa njengoba sekuvela ama-akhawunti asebhange angenabhalansi, lokhu akuseyona inkinga.
Lokhu okuthunyelwe kuzodlula kuma-akhawunti asebhange ayisishiyagalolunye amakhulu kakhulu abhalansi enguziro e-India, kanye nezici zawo nokuthi angakusiza kanjani. Sifake yonke into kusukela emabhange kahulumeni kuya emabhange okuhweba. I-akhawunti yasebhange engenaziro iyindlela enhle kunoma ubani ozama ukuyenza eqela ngaphezulu, kungakhathaliseki ukuthi ungumfundi, umnikazi wenkampani encane, noma othile nje ofuna ukonga imali.
Ngakho-ke hlala phansi, unethezeke, futhi ake siqale ekutholeleni i-akhawunti yasebhange engcono kakhulu engenabhalansi enguziro!
Equitas Bank Digital Savings Account
Kusukela yasungulwa ngo-2007, i-Equitas Bank inikeze amakhasimende ayo izindlela zokubhanga ezisezingeni eliphezulu. I-Digital Savings Account yabo ingenye yezinketho ezinjalo, elungele labo abathanda ukubhanga kalula besekhaya. Le akhawunti ilula ukusethwa futhi ayinayo ibhalansi encane; okudingayo yi-PAN yakho nekhadi le-Aadhaar.
Ukwengeza, asikho isidingo sokuvakashela noma yimaphi amagatsha ngokomzimba ngoba i-akhawunti iyidijithali ngokuphelele. Ngohlelo lweselula lwebhange, olusebenza namadivayisi e-iOS kanye ne-Android, ungamane uphathe i-akhawunti yakho.
Ibhange liphinde liqinisekise ama-akhawunti amahhala impilo yonke kanye nokuthobela okuphelele kwe-KYC ku-akhawunti ngayinye. Kuyisinqumo esifanele kubantu abanqunyelwe isikhathi abazisa ukunethezeka nokulula.
- Imfuneko Yebhalansi Encane:- Nil
- Izimali Nezinkokhiso:- Nil (Azikho izindleko ezifihliwe)
- Ukuvula nokugcinwa kwe-akhawunti kalula: - I-Equitas Bank Digital Savings Account iyi-akhawunti yedijithali ngokugcwele engavulwa kalula ku-inthanethi kusetshenziswa nje ikhadi lakho le-PAN ne-Aadhaar. Asikho isidingo sokuvakashela igatsha.
- Amanani enzalo:- Inzalo ifakwa njalo ngekota. Okulandelayo yizilinganiso zenzalo.
Kufikela ku-R1 lakh 3.50% ₹ 1 lakh - ₹ 5 lakhs 5.25% Ngaphezulu kuka-R5 lakhs 7.00% - Ukuhoxiswa kwemali ye-ATM:- Kumahhala kuma-ATM abo. Kwamanye ama-ATM, ukuthengiselana oku-3 kanye nokuthengiselana okungu-5 kuvunyelwe emadolobheni ama-metro nangewona ama-metro, ngokulandelana.
- I-debit card:- Izinhlobo ezi-5 zamakhadi edebithi atholakalayo (i-Visa Classic, i-Visa Gold, i-Visa Platinum, iSiginesha ye-Visa)(Izinkokhelo ziyahlukahluka ngokufanele)
- Incwadi Yokuhlola:- Incwadi yokuhlola eyodwa yamahhala ngonyaka.
- Izinsiza Zebhange Ledijithali:- Ukuthenga kwamahhala kwe-NEFT/IMPS/RTGS nge-net banking, kodwa izindleko zingasebenza ekuthengisweni kwegatsha.
- Ukufaneleka Okufanelekile
- Ngaphezulu kweminyaka engu-18
- Izakhamuzi zaseNdiya
- I-PAN nekhadi le-Aadhaar liyadingeka
- Izinzuzo ezengeziwe
- Isikhungo se-akhawunti ehlanganyelwe
- Ukuhoxiswa Kwemali Okuguquguqukayo
- Ukudlulisa ibhalansi
- Amaphepha amancane
- Izindleko zokusebenza eziphansi
I-Akhawunti Yedijithali ye-AU Small Finance Bank
I-AU Small Finance Bank isizakhele igama endaweni yokubhanga ngedijithali ngokwethula ama-akhawunti amaningi edijithali abhekelela izidingo zamakhasimende ahlukene. I-akhawunti yedijithali yebhalansi eyiziro, eyaziwa ngokuthi i-AU Digital, inikezela ngendlela elula nelula kumakhasimende ukwenza wonke umsebenzi wawo ohlobene nokubhanga kanye nezezimali ngamakholi wevidiyo.
Lokhu kusho ukuthi amakhasimende angathola imibuzo yawo ixazululwe isisebenzi sasebhange bukhoma, ngaphandle kokuvakashela igatsha.
Ukwengeza, ibhange liphinde lethule ezinye izinketho ze-akhawunti yedijithali njengePlatinum neRoyale, ngayinye ihlinzeka ngezidingo ezithile futhi inikeza izinzuzo eziyingqayizivele kumakhasimende. Ngama-akhawunti edijithali e-AU Small Finance Bank, amakhasimende angajabulela ukunethezeka kwebhange ngokunethezeka kwemizi yawo.
- Imfuneko Yebhalansi Encane:- Nil
- Izimali Nezinkokhiso:- Nil
- Ukuvula nokugcinwa kwe-akhawunti kalula: - Le akhawunti yedijithali ingavulwa ngekholi yevidiyo nezikhulu zasebhange, kusetshenziswa i-PAN yakho nekhadi le-Aadhaar njengokuphela kwemibhalo edingekayo.
- Amanani enzalo:- Inzalo ifakwa nyanga zonke, ngamanani alandelayo:
- Ukuhoxiswa kwemali ye-ATM:-Ukwenziwa kwamahhala okungenamkhawulo kuma-ATM e-AU Small Finance Bank nakwamanye ama-ATM asebhange.
- I-debit card:- I-Rupay Platinum Debit Card. Ukukhishwa kanye nenkokhiso yonyaka yama-Rs. 150+ GST
- Incwadi Yokuhlola:- Amaqabunga angama-25 anikezwa mahhala ngonyaka.
- Izinsiza Zebhange Ledijithali:-Ukuthenga kwamahhala kwe-NEFT/IMPS/RTGS nge-net banking noma ngekholi yevidiyo.
- Ukufaneleka Okufanelekile
- Ngaphezulu kweminyaka engu-18
- Izakhamuzi zaseNdiya
- I-PAN nekhadi le-Aadhaar liyadingeka
- Izinzuzo ezengeziwe
- Ukufinyelela endaweni yokuphumula yesikhumulo sezindiza - ukuvakashelwa kabili ngekota.
- Izinsizakalo zebhange zevidiyo kanye nokuthengiselana.
- Ukufinyelela kwezimali okungu-24×7 ngohlelo lokusebenza lwebhange leselula kanye nengosi yasebhange eku-inthanethi.
- Uhlu olubanzi lwemikhiqizo kufaka phakathi amalokha, iDemat, izimali zomphakathi, imalimboleko, kanye nomshwalense.
- Ulwazi lwasebhange olungenamaphepha.
I-akhawunti ye-SBI Basic Savings
I-State Bank of India, kwesinye isikhathi eyaziwa ngokuthi i-SBI, igama elihlotshaniswa eduze nokwethenjwa kanye nokuzethemba. I-SBI isineminyaka engaphezu kwengu-200 futhi ibekezelele ukuba ngelinye lamabhange ahlonishwa kakhulu esizweni. I-Basic Savings Bank Deposit Account, evamise ukubizwa nge-akhawunti ye-PM Jan Dhan Yojana, ingenye yemikhiqizo yebhange eyaziwa kakhulu. Le akhawunti yokonga elula ayinayo ibhalansi futhi ihloselwe abantu abafuna inketho yebhange elula.
Lolu hlelo oluxhaswe nguhulumeni luqondise amaqembu ahola kancane emphakathini emzamweni wokukhuthaza ukonga phakathi kwawo ngaphandle kokubabangela ukuba bakhathazeke ngezijeziso ezincane zebhalansi. I-akhawunti ingavulwa kunoma yiliphi ibhange le-SBI, elinezindawo ezingaphezu kuka-22,000 kulo lonke elaseNdiya. I-akhawunti ilungele abantu abafisa ukugcina imali yabo iqondile futhi ihleleke kahle noma abafuna ukuqala ukongela ikusasa.
- Imfuneko Yebhalansi Encane:- Nil.
- Izimali Nezinkokhiso:- Nil
- Ukuvula nokugcinwa kwe-akhawunti kalula: - Ukuze uvule i-akhawunti, amakhasimende adinga nje ukugcwalisa ifomu lesicelo futhi anikeze umazisi odingekayo kanye nemibhalo yekheli, njenge
- Ikhadi le-Aadhaar, Ikhadi Le-ID Yomvoti, Ikhadi le-PAN, noma Ilayisensi Yokushayela.
- Izithombe ezimbili ezinosayizi wepasipoti nazo ziyadingeka.
- Amanani enzalo:- Amakhasimende anamabhalansi okungenani ama-rupee angu-1 lakh athola inzalo engu-3.25%, kuyilapho lawo anokuncane ahola u-3.50%.
- Ukuhoxiswa kwemali ye-ATM:- Amakhasimende anelungelo lokuhoxiswa kwama-ATM okungu-4 kwamahhala ngenyanga, okuhlanganisa ukuhoxiswa kuwo womabili ama-SBI namanye ama-ATM asebhange. Tukuhlehliswa okungaphezu komkhawulo wamahhala kuzongenisa imali engu-INR 20 kanye no-18% GST.
- I-debit card:- Amakhasimende angafaka isicelo sekhadi lasebhange le-RuPay lamahhala elingenayo i-AMC (Izinkokhelo Zokulungisa Zonyaka).
- Incwadi Yokuhlola:- Akutholakali
- Izinsiza Zebhange Ledijithali:- Izinsiza zokudlulisa imali nge-elekthronikhi njenge-NEFT ne-RTGS zingasetshenziswa mahhala.
- Imibandela yokufaneleka:-Noma yimuphi umhlali waseNdiya onamadokhumenti e-KYC adingekayo, njengekhadi le-PAN noma ikhadi le-Aadhaar, angavula i-akhawunti.
- Imibandela:- Amakhasimende awakwazi ukubamba enye i-akhawunti yokonga ebhange kuyilapho ene-akhawunti ye-Basic Savings Bank Deposit. Uma sebenayo kakade i-akhawunti yokonga, kufanele bayivale zingakapheli izinsuku ezingu-30 bevule i-akhawunti yabo ye-BSBD.
Fi Imali
- Imfuneko Yebhalansi Encane:– Nil
- Izimali Nezinkokhiso:- Azikho izindleko ezengeziwe ongazikhathaza ngazo. Nokho, inkokhiso encane engu-2.5% noma ama-Rs. 10 (noma yikuphi okukhulu) izosetshenziswa eziteshini zikaphethiloli.
- Ukuvula nokugcinwa kwe-akhawunti kalula:- Ukuze uvule i-akhawunti yokonga esele ku-zero nge-Fi, okumele ukwenze ukulanda uhlelo lokusebenza kudivayisi yakho ye-android noma ye-IOS. Njengoba uhlelo lokusebenza ludizayinelwe izingcweti ezisebenzayo ngokuqondile, kuzokwenziwa inqubo elula yokuhlola ukuze kuqinisekiswe isimo sakho sokuqashwa, okufanele kuthathe imizuzu engaphezu kwemi-5.
- Amanani wenzalo:– 2.4% kumabhalansi angaphansi kwe-5 crore
- Ukuhoxiswa kwemali ye-ATM: - Ukuhoxiswa kwemali kuma-ATM e-Federal Bank kumahhala. Kwamanye ama-ATM, ungenza imisebenzi emihlanu yamahhala inyanga ngayinye, ngemva kwalokho kuzofakwa imali engu- ₹20 ngomsebenzi ngamunye.
- I-debit card:- Uma uvula i-akhawunti ye-Fi Savings, uzothola ikhadi le-VISA Platinum Debit Card elingenayo imali ekhishelwayo noma yokulungisa yonyaka futhi kungekho zimali zokuthengiselana kwamanye amazwe.
- Hlola Incwadi:- Uzothola amasheke amabili aqukethe amasheke amahlanu, alethwa emnyango wakho njalo ezinyangeni eziyisithupha mahhala
- Digital Banking Services:- Imisebenzi ye-NEFT ne-RTGS iyatholakala ku-inthanethi ngaphandle kwezimali ezengeziwe.
- Imibandela yokufaneleka:- Ukuze uvule i-Akhawunti Yokulondoloza Imali ye-FI, uzodinga ukunikeza imibhalo elandelayo:
- 2 izithombe ezilingana nepasipoti
- Ubufakazi bekheli (Ikhadi le-Aadhaar, ikhadi le-ID Yomvoti, ilayisense yokushayela evumelekile, ipasipoti, ikhadi lomsebenzi le-NREGA elisayinwe isikhulu sikaHulumeni)
- Izinzuzo ezengeziwe
- Jabulela ukukhululeka kokungabi namagatsha aphathekayo noma imibhalo emide,
- idizayini yesixhumi esibonakalayo esisebenziseka kalula,
- kanye nezibonelelo ezinjengezinhlamvu zemali ze-Fi, ezingasetshenziswa kubathengisi abakhethiwe.
- Uzonikezwa nomsizi womuntu siqu ozokusiza nge-akhawunti yakho.
Ikhasi 811 I-Akhawunti Yebhange Yedijithali
I-Kotak Mahindra Bank, igama elinedumela elihle embonini yasebhange yase-India, inikeza isisombululo esiyingqayizivele sokubhanga ngedijithali nge-akhawunti yabo ye-Kotak 811 Digital Bank. Le akhawunti eqanjiwe iza ngezinhlobo ezintathu ezihlukene, ngayinye yakhelwe ukuhlangabezana nezidingo ezithile zamakhasimende ayo. Izinga lokuqinisekiswa kwe-Know Your Customer (KYC) elidingekayo kokuhlukile ngakunye liyahlukahluka, ngokuqinisekiswa okuqinile okuholela ekufinyeleleni kumasevisi engeziwe.
Okuhlukile okuphelele kwe-KYC kwe-akhawunti ye-Kotak 811 kuyaphawuleka ngokukhethekile, njengoba kuyi-akhawunti yebhalansi enguziro enikeza amakhasimende inhlobonhlobo yezinzuzo namasevisi naphezu kokungadingi noma iyiphi ibhalansi encane. Le akhawunti yakhelwe labo abafuna ulwazi lwasebhange olulula nolungahluphi. Ngokuhlukahluka okugcwele kwe-KYC kwe-Kotak 811, amakhasimende angajabulela uchungechunge olugcwele lwezinsizakalo zokubhanga ezidijithali kuyilapho izimali zawo zifakwe umshwalense ofika emkhawulweni othile ngokwemithetho ye-RBI.
- Imfuneko Yebhalansi Encane:– Nil
- Izimali Nezinkokhiso:- Ayikho imali efihliwe
- Ukuvula nokugcinwa kwe-akhawunti kalula:- Inqubo ye-inthanethi esheshayo nelula yokuvula i-akhawunti ye-Kotak 811 ngaphandle kwesidingo samagatsha angokwenyama noma amaphepha amaningi
- Amanani wenzalo:-Inzalo ekhangayo engu-3.5% yediphozithi efika ku-50 lahks kanye no-4% wamadiphozithi angaphezu kwaleyo mali
- Ukuhoxiswa kwemali ye-ATM: - Azikho izindleko zokuhoxiswa kwemali
- I-debit card:- Ikhadi elikhokhelwa kuqala elibonakalayo liyatholakala, kanye nenketho yokwengeza ikhadi ledebithi elibonakalayo elinemali yonyaka engu-INR 299 (kuhlanganise ne-GST)
- Incwadi Yokuhlola:- INR 3 ngesheke ngalinye
- Amasevisi Ebhange Ledijithali:- Ukuthengiselana okuku-inthanethi okulula nge-NEFT/RTGS/IMPS kutholakala ngaphandle kwezindleko ezengeziwe
- Imibandela yokufaneleka:- Ukuze ufanelekele i-akhawunti ye-Kotak 811, kufanele ube:
- Iminyaka engu-18 ubudala noma ngaphezulu
- Iba nekhadi le-Aadhaar ne-PAN elivumelekile
- Isakhamuzi saseNdiya esinekheli laseNdiya
- Okwamanje akakabi nobudlelwano bangaphambilini ne-Kotak Mahindra Bank
- Izinzuzo ezengeziwe
- 24/7 ukufinyelela i-akhawunti yakho nge-inthanethi nokubhanga ngeselula
- Izici ezingaphezu kuka-180 ezihlanganisa izinkokhelo zezikweletu, izinketho zokutshala izimali, nokuningi
- Vikela uhlelo lokusebenza olunobuqiniso bezinto ezimbili kanye nesixhumi esibonakalayo esisebenziseka kalula
Indus Digi-Start: Digital Savings Account
I-IndusInd Bank inomlando omude wokuhlinzeka ngezixazululo zamabhange ezinobuhlakani ezibhekelela izidingo ezahlukahlukene zamakhasimende ayo. Enye yalezo minikelo i-IndusInd Bank Savings Account, enikeza inhlobonhlobo yezinketho ongakhetha kuzo, kungaba okokuphila okusezingeni eliphezulu noma ukuqhuba ibhizinisi.
Nge-akhawunti ye-IndusInd Bank Savings Account, amakhasimende angajabulela ukuvumelana nezimo nokunethezeka kokubhanga kwelinye lamabhange ahamba phambili ezinkampani ezizimele e-India. Kusukela kumalungelo afana nokufinyelela ebhange izikhathi ezingu-24/7, abaphathi bobudlelwano abazinikele, kanye nezaphulelo ezikhethekile, I-IndusInd Bank Savings Account iyisinqumo esihle kunoma ubani ofuna ulwazi oluphelele lwasebhange.
- Imfuneko Yebhalansi Encane:- Idiphozithi yokuqala ye-INR 20,000 iyadingeka ukuze uvule i-akhawunti yokonga ye-Indus digi-start
- Izimali Nezinkokhiso:- Jabulela zonke izinzuzo zale akhawunti ngaphandle kwezindleko ezingezona zesondlo ngemva kwediphozi yokuqala
- Ukuvula nokugcinwa kwe-akhawunti kalula:- Vula i-akhawunti yokonga yedijithali ne-IndusInd Bank ngaphandle kokuthi unyathele egatsheni eliphathekayo. Gcwalisa kalula ifomu lesicelo eliku-inthanethi futhi ube nekhadi lakho le-Aadhaar ne-PAN eduze.
- Amanani wenzalo:- Zuza inzalo engu-3.50% kumabhalansi afika ku-INR 1 lakh
- Ukuhoxiswa kwemali ye-ATM:- Khipha ukheshi mahhala kunoma iyiphi i-ATM yaseNdiya usebenzisa ikhadi lakho lasebhange le-IndusInd Bank
- I-debit card:- Thola ikhadi ledebithi le-titanium le-INR 249 + GST. Ikhadi liphinde lifake ukumbozwa kwesikweletu se-INR 1 lakh nokuvikelwa kokuthenga kwe-INR 50,000
- Incwadi Yokuhlola:- Incwadi yokuhlola yamahhala ifakwe ne-akhawunti
- Amasevisi Ebhange Ledijithali:- Sebenzisa i-IndusInd Bank I-QuickPay ukuze uthole ukudluliswa kwemali okulula nokusheshayo nge-SMS, i-imeyili, noma izinkundla zokuxhumana ngaphandle kokudinga ulwazi lwe-akhawunti yasebhange yomamukeli
- Imibandela yokufaneleka:- Ukuze uvule i-akhawunti yokonga ye-Indus digi-start, kufanele ube:
- Inombolo ye-Aadhaar evumelekile exhunywe kwinombolo yakho yeselula
- Ikhophi ebonakalayo yekhadi lakho le-PAN
- Ikhamera kudivayisi yakho yeselula noma ideskithophu
- Izinzuzo ezengeziwe
- Imbuyiselo: INR 500 ezintweni ezehlukene ezifana nokushajwa kabusha nokubhukha ikhebhi
- Amadili akhethekile: Ukunikezwa kwezokuvakasha, imfashini, nokuthenga ngezikhathi ezithile
- Inketho yokukhetha inombolo ye-akhawunti yakho, kungakhathaliseki ukuthi inombolo yakho yocingo, usuku lokuzalwa, noma inombolo yenhlanhla oyikhethile!
I-akhawunti yasebhange ye-DBS Digi Savings Bank
Isikhungo sezezimali esihamba phambili sase-Asia i-DBS Bank inikeza i-akhawunti yokonga yedijithali edalelwe ukufeza izimfuno zabantu banamuhla abanolwazi lwezobuchwepheshe. Asikho isidingo esincane sebhalansi ukuze udale noma ugcine i-akhawunti yebhange ye-DBS Digi Savings isebenza ngoba iyi-akhawunti ebhalansi eyiziro. Le akhawunti ingafinyelelwa kusetshenziswa amashaneli edijithali ebhange, okuhlanganisa ukubhanga ngomakhalekhukhwini nokubhanga nge-inthanethi, futhi kulula ukuyivula ngaphandle kwesidingo sanoma yimaphi amaphepha. Ungakwazi kalula ukwenza imisebenzi ehlanganisa ukufaka imali, ukuhoxiswa kwemali, kanye nokudluliselwa kwezimali usebenzisa i-DBS Digi Savings Bank Account.
I-akhawunti ifika nekhadi lasebhange lamahhala kanye ne-passbook ongayisebenzisela izidingo zakho zebhange zansuku zonke. Ukwengeza, amakhasimende angakwazi futhi ukujabulela izinzuzo ze-DBS' International Platinum Debit Card, elihlinzeka ngezinhlobonhlobo zemititilizo nezinzuzo kulo lonke elase-Asia, okuhlanganisa imbuyiselo kukho konke ukusetshenziswa kwemali, amadili akhethekile okuthenga, ukuvakasha, nokungcebeleka, ukuhoxa okuphezulu nemikhawulo yokusebenzisa imali, kanye amazinga okuhwebelana kwamanye amazwe.
- Imfuneko Yebhalansi Encane:– Nil
- Izimali Nezinkokhiso:- Izindleko ze-Zero zokuvula noma ukulungisa i-akhawunti
- Ukuvula nokugcinwa kwe-akhawunti kalula:- Vula kalula i-akhawunti yokonga yedijithali ne-DBS Bank ngokuvakashela iwebhusayithi noma usebenzisa uhlelo lokusebenza lweselula. Qiniseka ukuthi unekhadi lakho le-PAN, i-ID, kanye namadokhumenti obufakazi bekheli okulungele inqubo engenazihibe.
- Amanani wenzalo:– Jabulela izinga lenzalo elingu-3.25% kumadiphozithi afika ku-INR 1 lakh, nenzalo ekhokhwa njalo ngekota noma esinye isisekelo njengoba kunqunywe ibhange.
- Ukuhoxiswa kwemali ye-ATM: - Ukuhoxiswa kwamahhala okungenamkhawulo ngama-ATM nezinye iziteshi.
- I-debit card:- Thola i-DBS International Platinum Debit Card ne-akhawunti yakho
- Incwadi Yokuhlola:- Incwadi yokuhlola yamahhala inikezwe ne-akhawunti yakho
- Amasevisi Ebhange Ledijithali:- Jabulela izinsiza zamahhala zokudlulisa imali ku-inthanethi nge-RTGS, IMPS, ne-NEFT.
- Imibandela yokufaneleka:- Noma ubani oyisakhamuzi saseNdiya, NRI, Hindu Undivided Family, noma umuntu wangaphandle angavula i-akhawunti yokonga nebhange le-DBS. Uzodinga ukunikeza ubufakazi bokuthi ungubani nekheli ngokwezidingo ze-KYC.
- Izinzuzo ezengeziwe
- Amandla ediphozi yanyanga zonke angenamkhawulo
- I-passbook yamahhala yokulandelela i-akhawunti kalula
- Sebenzisa i-akhawunti yakho ukwenza imisebenzi yansuku zonke, njengamadiphozithi, ukuhoxiswa kwemali, kanye nemali ethunyelwayo.
- Izitatimende zamahhala zanyanga zonke
- Ukushintshwa kwekhadi elilahlekile, elintshontshiwe, noma elilimele mahhala
I-Akhawunti Yokulondoloza Eyisisekelo ye-HDFC
Elinye lamabhange aphezulu embonini yangasese e-India, i-HDFC Bank, ihlinzeka nge-Basic Savings Bank Deposit Account (BSBDA) ehloselwe ukubhekelela izidingo eziyisisekelo zabantu zokubhanga. Le akhawunti ivulekele inhlobonhlobo yabathengi ngoba asikho isidingo sebhalansi esincane.
Amakhasimende angase afinyelele izinhlobonhlobo zezinsizakalo zebhange, okuhlanganisa ukubhanga ngedijithali kanye nokuthengiselana kwe-ATM, emagatsheni amaningi nasezindaweni kulo lonke elaseNdiya nge-akhawunti ye-BSBDA. Amakhasimende angathemba ukuthi imali yawo iphephile kule akhawunti njengoba i-HDFC Bank inedumela lokwethembeka nokuvikeleka. Le akhawunti ilungele abantu abafuna indlela eqondile nesebenzayo yokuphatha izimali zabo.
- Imfuneko Yebhalansi Encane:– Nil
- Izimali Nezinkokhiso:- Azikho izimali ezikhokhwayo ezihlobene nokuvula i-Basic Savings Bank Deposit Account ne-HDFC Bank. Ukwengeza, Ikhadi Lokukhipha Imali uzonikezwa mahhala.
- Ukuvula nokugcinwa kwe-akhawunti kalula
- Ungase ukhethe ukuvula i-akhawunti yakho mathupha egatsheni leBhange le-HDFC futhi uthole usizo esisebenzini esiqokiwe.
- Kungenjalo, ungakwazi ukuvula i-akhawunti yakho ku-inthanethi ngokunikeza inombolo yakho yeselula futhi ulayishe ifomu lakho namadokhumenti adingekayo.
- Amanani wenzalo:- Thola inzalo engu-3% kumabhalansi afika ku-50 lakhs
- Ukuhoxiswa kwemali ye-ATM:- Ukuhoxiswa kwenkokhelo okune ngenyanga nganoma iyiphi indlela ehlanganisa ukuhoxiswa kwemali egatsheni noma ku-ATM, NEFT, RTGS, IMPS, Clearing, DD/MC Ukukhishwa, njll.
- I-debit card: - Finyelela i-akhawunti yakho ngekhadi le-Rupay elikhokhelwayo
- Incwadi Yokuhlola:- Amasheke angama-25 ngonyaka wezimali ngamunye. Amabhuku okuhlola engeziwe angathengwa ngamacembe angama-25 ngezindleko zama-Rs 100/- (Rs.75 kubantu abadala)
- Imibandela yokufaneleka:-
- Abantu Abahlala Ngamunye (i-akhawunti eyodwa noma ehlangene)
- Imindeni YamaHindu Engahlukanisiwe
- Akumele ube ne-Akhawunti ye-BSBD ekhona nanoma yiliphi elinye ibhange
- Akumele ube nenye i-akhawunti Yokulondoloza ne-HDFC Bank
- Izingane ezineminyaka engaphezu kwengu-10 ziyakwazi ukuvula ama-akhawunti amancane azisebenza wona futhi zithole i-ATM/Debit card
- Izinzuzo ezengeziwe
- I-Safe Deposit Locker ne-Super Saver iyatholakala
- Isevisi yamahhala ye-passbook yabo bonke abanikazi bama-akhawunti ngabanye
- Idiphozithi yemali etholakalayo emagatsheni nakuma-ATM
- I-Lifetime BillPay mahhala
- Izitatimende ze-imeyili zamahhala zebhalansi ye-akhawunti, ukukhokha izikweletu zesevisi, noma ukumisa izinkokhelo zesheke nge-SMS
I-Standard Chartered Basic Account
Kusukela yasungulwa ngo-1853, i-Standard Chartered Bank inomlando omude noncomekayo wokuhlinzeka ngezinsizakalo zezezimali kubantu ngabanye nasezinkampanini. Ukuzinikela kwebhange ekwenzeni ukubhanga kuqonde futhi kutholakale kuwo wonke umuntu kuboniswa nge-Akhawunti Eyisisekelo, inketho yokonga engasho lutho. Le akhawunti iyindlela efanelekile yabantu abafuna indlela elula yokuphatha izimali zabo ngoba ayinakho imikhawulo yebhalansi encane.
I-Akhawunti Eyisisekelo evela ku-Standard Chartered iyindlela engcono kakhulu kungakhathaliseki ukuthi usaqala noma ufuna i-akhawunti ethembekile ukuze uphathe okwenziwayo kwakho okujwayelekile. Noma ubani ofuna ulwazi lwasebhange olungahluphi uzothanda ukuthi kulula kangakanani ukuvula nokuphatha.
- Imfuneko Yebhalansi Encane:– Nil
- Izimali Nezinkokhiso:- Izindleko ze-Zero zokuvula nokugcina i-akhawunti yokonga ye-Standard Chartered.
- Ukuvula nokugcinwa kwe-akhawunti kalula:- Ukuvula i-akhawunti ne-Standard Chartered, vakashela elinye lamagatsha abo bese ugcwalisa ifomu lesicelo ngolwazi lwakho lomuntu siqu bese uhambisa noma yimiphi imibhalo edingekayo.
- Amanani wenzalo:- 2.75% kumabhalansi afika ku-50 lakh
- Ukuhoxiswa kwemali ye-ATM:- Jabulela ukuhoxiswa okungenamkhawulo, kwamahhala kunoma iyiphi i-ATM ezweni.
- I-debit card:- Thola ikhadi ledebithi elihambisanayo ukuze ufinyelele kalula izimali zakho futhi uthenge.
- Incwadi Yokuhlola:- Thola incwadi yokuhlola yamadolobha amaningi yamahhala ukuze kube lula kuwe.
- Amasevisi Ebhange Ledijithali:- Dlulisa imali ngokushesha futhi ngaphandle kwezindleko ezengeziwe usebenzisa i-NEFT, IMPS, ne-RTGS.
- Ukufaneleka Okufanelekile
(i) Umuntu oyisakhamuzi
(ii) Izinhlobo ezamukelwe zokuhlonza kanye nobufakazi bekheli zihlanganisa:
- Iphasiphothi,
- Ilayisense yokushayela
- Ubufakazi bokuba nenombolo ye-Aadhaar
- Ikhadi Lomazisi Lomvoti elikhishwe Ikhomishini Yokhetho yase-India
- Ikhadi lomsebenzi elikhishwe yi-NREGA
- Incwadi ekhishwe yiRejista Yesizwe Yabantu equkethe imininingwane yegama nekheli.
- Izinzuzo ezengeziwe
- Ukufinyelela okungakhawulelwe kunoma yiliphi igatsha le-Standard Chartered e-India ngaphandle kwezindleko ezengeziwe.
- Ifoni engu-24/7 kanye nezinsizakalo zokubhanga eziku-inthanethi ukuze uthole usizo nganoma yiziphi izinkinga.
- Ukufinyelela ezixazululweni zokukhokha ezisheshayo ezahlukahlukene ezihlanganisa i-UPI, i-Bharat QR, izixazululo zokukhokha ibhili ye-Bharat, ne-Samsung Pay.
I-ICICI Basic Savings Account
I-ICICI Bank, elinye lamabhange ahamba phambili embonini yangasese e-India, inikeza i-Basic Savings Account kumakhasimende afuna indlela elula nefinyelelekayo yokuphatha izimali zawo. I-ICICI Bank yasungulwa ngo-1994 futhi inekomkhulu layo eMumbai, i-ICICI Bank inoxhaxha lwamagatsha nama-ATM ezweni lonke.
Ngokwethulwa kwe-Pradhan Mantri Jan Dhan Yojana (PMJDY), I-ICICI Bank yenze kwaba lula nakakhulu kubantu abavela kuyo yonke imikhakha yempilo ukuvula i-akhawunti yokonga, kungakhathaliseki isimo sabo sezezimali. Lolu hlelo, olwethulwe uhulumeni wase-India, luhlose ukuhlinzeka ngokufakwa kwezezimali kanye nokufinyelela emalini yezikweletu ezingxenyeni zomphakathi ebezingafakwa ngaphambili, kanti I-Basic Savings Account yeBhange le-ICICI iyingxenye ebalulekile yalo mzamo.
- Imfuneko Yebhalansi Encane:– Nil
- Izimali Nezinkokhiso:-Ayikho idiphozithi edingekayo ukuze uvule i-akhawunti
- Ukuvula nokugcinwa kwe-akhawunti kalula
- Ungafaka isicelo se-akhawunti yokonga eyisisekelo ye-ICICI ngokuvakashela iwebhusayithi yabo noma ngokushayela isevisi yabo yokunakekelwa kwamakhasimende.
- Ungavakashela negatsha lasebhange le-ICICI eliseduze futhi ucele ukuvula i-akhawunti.
- Amanani wenzalo:- 3% yebhalansi engaphansi kwama-lakhs angama-50. Inzalo izokhokhwa njalo ngekota.
- Ukuhoxiswa kwemali ye-ATM:- Ukuthenga okungu-5 kokuqala kumahhala. Ukuhoxiswa ngakunye ngemva kwalokho kuzokubiza ama-Rs20.
- I-debit card:- Uthola Ikhadi Lokudonswa Kwemali le-Rupay ngaphandle kwezindleko zonyaka. Umkhawulo wokusebenzisa imali/wokuhoxa nsuku zonke ungu-INR 10,000.
- Incwadi Yokuhlola:- Incwadi yokuhlola eyodwa inikezwa mahhala. Incwadi yokuhlola ngayinye eyengeziwe izobiza u-Rs 20
- Amasevisi Ebhange Ledijithali:- Ukudluliselwa kwamahhala kwezimali usebenzisa i-NEFT & RTGS
- Ukufaneleka Okufanelekile
- Kufanele ube yisakhamuzi saseNdiya esingaphezu kweminyaka eyi-18.
- Ama-NRI awafaneleki ukuvula le akhawunti.
- Awunayo enye i-akhawunti yokonga, okuhlanganisa ne-BSBDA nebhange le-ICICI
- Ufaka isicelo se-akhawunti ngokwesikhundla sakho ngabanye hhayi njenge-Karta Yomndeni Ongahlukanisiwe WamaHindu (HUF)
- Izinzuzo ezengeziwe
- Uthola imali efakwa mahhala
- Indawo ye-Passbook iyatholakala ngokuBhanga nge-inthanethi mahhala
- I-Mobile Banking iyatholakala uma uyicela
- Inikeza imodi yokubamba eyodwa noma ehlanganyelwe
- Ukufinyelela kuma-ATM angu-15000+ kulo lonke elaseNdiya
I-akhawunti Yokonga Eyisisekelo ye-RBL
I-Ratnakar Bank Limited, evame ukwaziwa ngokuthi i-RBL, iyinhlangano ehloniphekile esisize abantu baseNdiya iminyaka engaphezu kuka-70. Selokhu lasungulwa ngo-1943, leli bhange liye landa lafaka amagatsha namahhovisi angaphezu kuka-300 emadolobheni amakhulu ezweni lonke.
I-RBL isizakhele udumo emkhakheni wamabhange ngokugcizelela kakhulu ukubhekana nezidingo zezimali zamakhasimende anhlobonhlobo, okuhlanganisa abesifazane, abantu abadala kanye nalabo abasebenzayo. I-Basic Savings Account, omunye wemikhiqizo yabo eminingi, iyisinqumo esiqondile sanoma ubani ofisa ukuqala ukonga nokulawula imali yakhe.
- Imfuneko Yebhalansi Encane:– Nil
- Izimali Nezinkokhiso:- Azikho izindleko ezengeziwe
- Ukuvula nokugcinwa kwe-akhawunti kalula:– Vula i-akhawunti yokonga yeBhange le-RBL kalula ngokuvakashela iwebhusayithi ye-RBL Bank futhi ulandele izinyathelo ezimbalwa ezilula. Enye inketho ukunikeza ucingo oluphuthelwe ku-9355-71-9355 ukuze uqale ngokushesha i-akhawunti yakho yokonga.
- Amanani wenzalo:– 4.25% pa ezilinganisweni ezifika ku-Rs. 1 Lac, ibalwa nsuku zonke
- Ukuhoxiswa kwemali ye-ATM:- Jabulela ukuthengiselana kwamahhala okungenamkhawulo kuma-ATM asebhange e-RBL. Imikhawulo yokuhoxiswa ibekwe kuma-rupees angu-50,000 kuma-ATM kanye nama-rupees angu-30,000 we-POS.
- I-debit card:- Thola Ikhadi Le-RyPay mahhala ngaphandle kwezindleko
- Incwadi Yokuhlola:- Thola oku-2 okukhokhwayo okukhokhwayo ngamasheke atholakalayo ngonyaka, namaqabunga angama-40 encwadini ngayinye
- Amasevisi Ebhange Ledijithali:- Dlulisa imali mahhala usebenzisa i-NEFT & RTGS
- Imibandela yokufaneleka:- Ukufaka isicelo se-akhawunti yokonga yasebhange i-RBL, umfakisicelo kumele abe ngumhlali waseNdiya futhi abe neminyaka eyi-18 noma ngaphezulu. I-Executive Plus Account idinga isamba semali esincane esingu-Rs.50,000 ngenyanga
- Izinzuzo ezengeziwe
- Ukubhenka Kwefoni
- Mobile Banking
- SMS Banking & Izaziso
- Izitatimende ze-E
- I-Inthanethi Banking
- Amasevisi Okukhokha Ibhili Ye-inthanethi
- Ukufinyelela kunoma yiliphi igatsha le-RBL kulo lonke elaseNdiya
- Ukushintshwa kwamahhala kwamakhadi alimele
- Amazinga e-FD anyusiwe kubanikazi bama-akhawunti e-RBL abasebenzayo
I-Akhawunti Yokulondoloza Eyisisekelo ye-Axis
Elinye lamabhange aphezulu embonini yangasese e-India, i-Axis Bank, yaziwa ngokunikeza amakhasimende ayo izinsizakalo zezezimali ezinhle kakhulu. Kusukela lasungulwa ngo-1993, leli bhange selithuthuke laba enye yezinhlangano zezezimali ezihlonishwayo nezithakaselwa kakhulu esizweni. I-Basic Savings Account yebhange, eyenza abasebenzisi bakwazi ukusizakala ngamasevisi amakhulu ngaphandle kokugcina inani elincane, ingenye yemikhiqizo ethandwa kakhulu. Amakhasimende manje angakha i-Basic Savings Account ne-Axis Bank ngokwenza ingxoxo yevidiyo elula nommeleli ngenxa yokuzinikela kwebhange ekusunguleni izinto nobuchwepheshe.
- Imfuneko Yebhalansi Encane:– Nil
- Izimali Nezinkokhiso:- Azikho izindleko ezengeziwe. INR 500 njengemali yokuvala i-akhawunti
- Ukuvula nokugcinwa kwe-akhawunti kalula:-Vula i-akhawunti ngokushesha ngokufaka isicelo ku-inthanethi futhi ugcwalise ukuqinisekiswa kwekholi yevidiyo nezikhulu zasebhange. Awekho amaphepha adingekayo, vele ulethe ikhadi lakho le-PAN ne-Aadhaar.
- Amanani wenzalo:– Inzalo ibalwa nsuku zonke futhi ifakwe ku-akhawunti njalo ngekota. Izinga liyahlukahluka kuye kubhalansi ye-akhawunti futhi njengamanje liphakathi kuka-3% no-3.5%
- Ukuhoxiswa kwemali ye-ATM: - Umkhawulo wokuhoxiswa wansuku zonke wama-INR 40,000 ngokuhoxiswa kwamahhala okungu-4 ngenyanga
- I-debit card: - Ikhadi ledebhithi leRuPay lamahhala elingenakho ukukhishwa noma izimali zonyaka
- Incwadi Yokuhlola:- Incwadi yokuhlola engu-1 ngekota ngayinye. Amasheke engeziwe ku-INR 4 iqabunga ngalinye
- Amasevisi Ebhange Ledijithali:- Dlulisa imali kalula ku-inthanethi nge-NEFT/RTGS/IMPS ngaphandle kwenkokhiso eyengeziwe
- Imibandela yokufaneleka:- Abafakizicelo abafanelekile kumele babe izakhamuzi zaseNdiya ezingenayo i-akhawunti yokonga ekhona e-Axis Bank futhi kuzodingeka banikeze izithombe ezimbili zakamuva ezinosayizi wamaphasiphothi, kanye nobufakazi bobunikazi nekheli.
- Izinzuzo ezengeziwe
- Imali efakwa mahhala
- Ukubhenka okulula nokufinyelela kumagatsha amaningi nama-ATM kulo lonke elaseNdiya
- Izinsizakalo ze-inthanethi nezamaselula
- Izitatimende ze-E, izexwayiso ze-SMS, kanye ne-passbook yokuphatha i-akhawunti kalula
E-India, ukuba ne-akhawunti yasebhange engenazo izimfuneko zebhalansi encane kungase kube inzuzo ngokwezimali, ikakhulukazi kubantu abafuna i-akhawunti ngaphandle kwemfuneko yediphozithi encane.
Lawa ma-akhawunti enza ukubhange kufinyeleleke kalula futhi kube lula ngokunikeza amakhadi edebithi amahhala, ukuhoxiswa kwe-ATM kwamahhala, ukusethwa kwe-akhawunti ye-inthanethi, izinsiza zebhange zedijithali, nokunye. Baphinde banikeze amathuba amahle okuba abantu bonge imali ngoba akudingeki bakhathazeke ngokukhokha imali yokugcina ibhalansi ephansi.
Sekukonke, noma ubani ofisa ukudala i-akhawunti yasebhange entsha noma ukudlulisela kumhlinzeki webhange oyongayo kufanele acabangele lawa ma-akhawunti asebhange abhalansi enguziro.
shiya impendulo