Bank of Baroda ka Naya Rule: Minimum Balance ka Tension Khatam!
Bank of Baroda ne apne customers ko di hai ek badi khushkhabri! Agar aapka bhi savings account hai Bank of Baroda mein, toh ab minimum balance maintain karne ka jhanjhat khatam ho gaya hai. Bank ne yeh rule 1 July se change kar diya hai. Chaliye, jante hain iska kya matlab hai aur aapko isse kaise fayda hoga.
Kya Hua Actually?
Bank of Baroda ne apne standard savings accounts se minimum balance maintain karne ka charge hata diya hai. Iska matlab hai ki agar aapke account mein kam paise bhi hain, toh aapko koi penalty nahi lagegi. Yeh change un sabhi regular savings accounts par apply hota hai, jo premium nahi hain. Simple, hai na?
Kyun Kiya Bank Ne Aisa?
Actually, Bank of Baroda ne yeh kadam akele nahi uthaya hai. Canara Bank, Punjab National Bank, aur Indian Bank ne bhi recently aise hi changes kiye hain. Sarkar aur banks ke beech mein is baat par discussion chal rahi thi ki low balance par charges lagane chahiye ya nahi. State Bank of India ne toh yeh rule 2020 mein hi hata diya tha. SBI ke Chairman CS Setty ne NDTV Profit ko bataya ki isse pehli baar account khulwane walon ko bahut madad mili hai.
Aapko Kya Fayda Hoga?
Is naye rule se aapko yeh fayda hoga ki aapko apne account mein ek minimum amount rakhne ki tension nahi rahegi. Kabhi kabhi paise kam hone par bank penalty laga deta tha, lekin ab aisa nahi hoga. Isse un logon ko sabse zyada fayda hoga jinke accounts mein zyada paise nahi rehte.
RBI ka Report Kya Kehta Hai?
Reserve Bank of India (RBI) ki ek report ke according, CASA deposits kam ho rahe hain. March 2025 tak, yeh total deposits ka 36.8% tha, jo ki ek saal pehle 39.2% tha. Iska matlab hai ki banks ko zyada interest rate wale deposits par depend karna pad raha hai. Lekin Jan Dhan accounts mein dheere-dheere balance badh raha hai, jo ki ek achhi baat hai.
Digital Banking ka Zamana
Digital banking ke aane se banks ke liye har account ko manage karna asaan ho gaya hai. Ab banks debit card fees aur transaction charges se bhi paise kama lete hain. Isliye, balance-related penalties ko dheere-dheere kam kiya ja raha hai.
Finally Baat Ye Hai…
Bank of Baroda ka yeh naya rule aapke liye bahut helpful ho sakta hai. Ab aapko minimum balance ki tension lene ki zaroorat nahi hai! Khush raho aur banking karte raho!
