Toh aapko pata hoga ki business karne wale logon ki sankhya aaj ki date mein dheere-dheere badh rahi hai, woh bhi Bharat ke andar. Lekin kya aapko ek baat pata hai ki yeh business karne walon ki sankhya aaj se pehle Bharat mein itni nahi thi? Kyunki pehle log jo hain, aur aaj bhi, hamare desh mein, hamare India ki agar hum baat karte hain, toh hamare India mein aaj bhi log secure naukri ko dhoondhte hain.
Aur secure naukri woh isliye dhoondhte hain taaki unke paas ek stable source of income hamesha rahe, jaise unko unki weekly ya fir jo bhi monthly income hai, woh unko unke time par milti rahe. Lekin aise case mein yahan par kuch log hain jo vyapar karke kahin na kahin apne business ko aage badhana chahte hain aur apne business ko us mukaam tak lekar jaana chahte hain jisse hamare logon ko jinko stable source of income ki lat lag chuki hai, unko bhi is baat ka dheere-dheere ek motivation mile.
Unko yeh samajh mein aaye ki sirf ek salary basis par naukri karna sahi nahi rehta hai aur kahin na kahin khud ka vyapar karne mein kuch do cheezon ka aapko bahut zyada fayda milta hai. Jismein sabse pehla fayda yeh hai ki insaan apne us routine work se hat jaata hai, kuch naya karne ka mauka milta hai. Aur dusri baat, agar woh us apne kaarya mein safal ho jaata hai, toh usko paison ki kabhi bhi dikkat nahi hoti hai. Paisa uske paas uski limit se zyada hi uske paas aa jaata hai, kyunki wahan par woh business kar rahe hain, woh kisi ki problem ka solution dekh rahe hain.
Lekin itni saari cheezon mein, jahan par hum baat kar rahe hain ki problem ka solution kar rahe hain, business kar rahe hain, naukri kar rahe hain, lekin yahan par baat agar paison ki aati hai toh hum paison ko jama kahan karte hain? Haan, paison ko agar main jama karne ki baat karun, toh in paison ko jama karte kahan hain? Aakhir jama karne ke liye agar baat aayegi, toh sabse pehle aata hai officially jo bhi hamara jis par bahut zyada bharosa hai, hamara bank. Hamara aisa bank jismein hum log apne jeevan bhar ki kamayi rakhte hain.
Aur humse businessmen log nahi, jitne bhi naukri pesha log hain, unki jo salary hai, har mahine unki salary account mein jaati hai. Theek hai? Lekin iske alawa jo log vyapari hain, unke liye bhi khaata hota hai. Toh ek baat batao, jo vyakti apni salary ko salary account mein rakhta hai. Koi bachcha ya koi bachche se lekar buzurg tak koi bhi apne paison ko bachana chahta hai, toh apne us paise ko bachane ke liye woh bachat khaata kholta hai. Toh yahan par humne do accounts samjhaye, jahan par ek hota hai aapka bachat khaata (savings account), ek hota hai aapka salary account.
Lekin kabhi aapne yeh socha hai ki businessmen jo itni zyada paison ki len-den karte hain, unke paise ki jo income hai, agar hum ek din ko notice karein, toh bahut zyada sankhya mein hota hai. Ab aise case mein normal bachat khaata ya normal savings account ko agar koi vyakti open karta hai, toh aapko is baat ka toh andaaza lag jaayega ki bachat khaata ka toh limit cross kar jaayega ya fir kahin na kahin uska bank freeze ho sakta hai. Toh us case mein woh kaunsa khaata open karta hai jisse unka paison ka len-den bana rehta hai? Toh aaj hum baat karne wale hain unka paison ka len-den jo ekdum sahi rehta hai, woh rehta hai chalu khaata ki wajah se.
Haan, chalu khaata ka matlab yeh nahi hai ki yahan par bank chalu rehta hai, toh isliye chalu khaata hai. Chalu khaata sabhi ke sabhi account active hi rehta hai. Lekin agar chalu khaata ko Hindi mein dekha hai, toh usko current account kehte hain, jinko normally hum yahan par business karne wale logon ke nazariye se dekhte hain, kyunki business karne wale jitne bhi log hain, apne firm ke naam par, apne entrepreneurship ke naam par, apni company ke naam par ya fir apni organization ke naam par hi apna current account open karte hain. Aur uske baad jaakar jo hai, jitne bhi paison ki len-den hoti hai, chahe paisa aata hai, chahe paisa jaata hai, uska poora hisaab jo hai, apne us khaate se woh karte hain.
Toh aaj ke is post mein aap samajhne wale ho ki kaise AU ke yaani ki AU Small Finance Bank ke andar aap log apna jo agar current account open karna chahte ho yaani chalu khaata open karna chahte ho, toh aap log apna chalu khaata kaise open kar sakte ho. Kyunki chalu khaata kholna aaj ki taarikh mein bahut aasaan hai. Yeh aasaan toh main yeh bhi kahun ki aap log ghar baithe chalu khaata open kar sakte ho aur woh bhi AU Small Finance Bank ke andar.
Lekin aap logon ke dimaag mein kaafi saare sawal aa rahe honge ki pehle ke time par jab hum log khaata open karte the tab humein bahut saare documents ki zaroorat padti thi. Toh aisa nahi hai ki agar hum yahan par khaata kholne ki baat bhi kar rahe hain, toh yahan par aapko documents ki zaroorat padegi. Nahi, agar koi vyakti aapko aisa kehta hai ki documents ke bina hi hum aapko khaata khol kar denge, toh woh jhooth keh raha hai. Haan, yeh baat zaroor hai ki khaata ab aapko physical taur par yaani ki bhautik roop se aapko kahin kisi shaakha (branch) par jaakar dena nahi hota, kyunki aaj ke Digital India ke zamaane mein agar sab kuch online ho chuka hai, toh zaahir si baat hai aapka document bhi online ho chuka hai. Toh yeh kehna toh jhooth rahega ki document ke bina kaam ho jaayega. Document toh liya jaa raha hai, chahe woh physical roop se liya jaaye ya fir online medium se liya jaaye. Lekin yahan par agar hum baat kar rahe hain is cheez ko samajhne ke liye ki yahan par hum log apna khaata kholeinge, toh hum AU Small Finance ke andar kholne wale hain aur woh bhi hum apne documents ke hisaab se hi kholne wale hain. Toh kaise kholeinge? Isi cheez ke upar hum baat jaanenge.
AU Small Finance Chalu Khaata Kya Hai?
Toh sabse pehle bata doon AU Small Finance Bank ke andar koi ek prakaar ka aapko chalu khaata dekhne ko nahi milta hai. Haan, agar koi aapko yeh kehta hai ki keval ek prakaar ka chalu khaata hai, toh kehna galat hoga. Chalu khaata ke kaafi saare aapke products, uski kaafi saari categories, uske kaafi saari aapko aur bhi cheezein dekhne ko milti hain, jiske andar kaafi saare fayde hote hain. Kaafi saare ab aapka business ke according bhi kuch current accounts ko design kiya jaata hai, jisse hota yeh hai ki logon ko kaafi had tak samajh mein aata hai yeh cheez.
Lekin is baat ko bhi samajh mein aapko aana chahiye ki agar hum proper taur par baat yeh kar rahe hain ki humein ise ghar baithe apna chalu khaata kholna hai, toh woh Online Current Account ki madad se hi ho sakta hai aur yeh AU Small Finance Bank ki madad se bilkul sambhav hai ki aap log apna ghar baithe hi chalu khaata khol sakte ho aur woh bhi online. Lekin ismein kitna paisa aapko jama karna padega? In sab ke upar hum baat toh zaroor kareinge, lekin pehle main bata doon ki chalu khaata kya hai jinka samajh mein nahi aa raha.
Halanki upar humne charcha ki hai, lekin agar bahut hi mere ko ek sankshep mein kehna ho is baat ko, toh main yahi kahunga ki yahan par chalu khaata ki koi bhi vyakti jo hai, apne vyaktigat taur par apna chalu khaata khol sakta hai ya fir koi agar vyavsay (profession) karta hai ya fir koi kisi ka apna dhandha paani hai, koi bhi vyapar se juda hai, koi bhi business se juda hai, toh woh bhi apna chalu khaata khol sakta hai. Jisse kya hota hai ki in saare current accounts mein jo paise ki len-den hai, woh kaafi zyada hoti hai.
Aur kyunki paise ki len-den ki sankhya zyada hoti hai, toh usko manage karne ke liye, dekhne ke liye, kabhi-kabhi transaction limit ki bhi dikkat aati hai, kyunki aapne dekha hoga, salary account ya savings account ho, ek limit ke baad aapko kabhi na kabhi jo hai, ek notification ya soochana mil jaati hai. Lekin current account ke case mein wahan par utni limit ya fir utni seema badha di jaati hai ki sabko pata rehta hai ki agar vyavsay ke liye khaata khola gaya hai, toh iski limit kya hai ya iski jo hai, seema kahan tak jaa sakti hai. Toh current account ko basically ek normal khaate ki tarah hi hota hai, lekin isko aam taur par khola jaata hai vyapariyon dwara, udyampatiyon dwara ya fir koi na koi job jiska kisi na kisi prakaar ke business se lena-dena hota hai, woh.
AU Small Finance Bank Chalu Khaata Ke Kitne Prakar Hote Hain?
Toh aapko bata dein, sabse pehle toh AU Small Finance Bank ke andar chalu khaata ka jo pehla prakaar dekhne ko milta hai, yeh aapka AU Royal Business Program. Is chalu khaate ke andar aapko jo hai, bahut saare benefits aur bahut saare features dekhne ko mil jaate hain. Lekin yahan par jo agar baat karte hain ki kitne rupaye ki zaroorat hai, kitne balance requirement ki zaroorat hoti hai, toh woh hoti hai yahan par takreeban ₹5 Lakh ki.
Iske alawa, ek dusra aapka chalu khaata hota hai AU Small Finance Bank ke hi andar, jo hota hai AU021 Program. Iske तहत yahan par aapko jo hai, jo bhi startups hote hain, jinhone haal hi mein hi apna business karna shuru kiya hota hai, woh simply taur par yahan par apna khaata open kar sakte hain aur yahan par jo balance requirement ki zaroorat hoti hai, woh hoti hai ₹1 Lakh tak ke liye, jiske andar chhoot bhi hoti hai shayad 3 saal ke liye.
Iske alawa, ek aur aapka chalu khaata dekhne ko milta hai, woh bhi same hota hai, AU Royal Business Program ke andar hi aata hai, lekin uske andar jitne bhi doctors hain, woh open kar sakte hain. Iske alawa, doctors ke alawa bhi yahan par jo bhi agriculture yaani ki kheti-baadi ke kshetra se juda hua hai, woh bhi apna apna chalu khaata khol sakte hain. Ya ek aur AU Royal Business Program ke andar hi aata hai aapka yahan par Pharma Industry yaani ki jo bhi medical ya fir jo bhi yahan par swasthya ya health ke len-den mein hota hai, unke liye. Toh yeh log bhi apna chalu khaata khol sakte hain aur ant mein aata hai aapka thekedar log jo building wagairah bante hain, woh simple taur par yeh bhi apna chalu khaata khol sakte hain. Iske alawa, ab baat karte hain:
Dusra aapka chalu khaata hota hai, woh hota hai AU Platinum Business Current Account. Iske andar kam se kam bhi toh balance requirement rakhni padti hai ₹1 Lakh tak ki.
Iske alawa, aapka agla jo chalu khaata hota hai, woh hota hai AU Swadesh Current Account.
Aur iske baad aapka jo agla chalu khaata ka prakaar mein se aata hai, woh hai AU Regular Current Account. Isko aam taur par jitne bhi naagrik hain, woh zyada tar khulwate hain, kyunki iska sabse bada reason yeh hai ki yeh basic yaani ki samanya logon ki pakad mein aata hai. Kyunki yahan jo paise rakhne ki jo rakam hai, woh ₹5,000 se shuru hoti hai aur ₹5 Lakh tak jaati hai. Ab har kisi ke apne-apne fayde aur upyog ke hisaab se yeh amount wahan par decide kiya jaata hai.
Iske alawa, agla jo chalu khaata aata hai, woh aata hai AU Vishesh Current Account ke naam se.
Aur ant mein aata hai aapka AU Digital Current Account, jiske तहत hum yeh poora article likh rahe hain aur post kar rahe hain aur aap jo padhenge abhi, toh yahan par AU Digital Current Account ke baare mein hi hum baat kar rahe hain, jahan par hum log jo hain, ghar baithe hi apna chalu khaata khol sakte hain aur yahan account kholne ke liye kisi bhi prakaar ki paise ki zaroorat nahi hai, jisko hum yeh bhi keh sakte hain ki yahan aapka chalu khaata kholna utna hi aasaan hai, jaise aap ghar baithe chalu khaata kholna chaho, toh shunya rupaye yaani ki shunya paise aur matlab ₹1 ki bhi koi bhi aapke yahan par paise ke len-den nahi karni hai, kisi bhi prakaar ka balance requirement ki zaroorat nahi hai.
Aur ant mein aata hai aapka ek aur chalu khaata jo ki hai AU Power Current Account.
AU Small Finance Bank Chalu Khaata Kholne Ke Kya-Kya Fayde Hain?
Toh sabse pehle agar hum fayde (benefits) ki baat yahan par kar hi rahe hain, toh yahan par pehla fayda toh yeh hai ki yahan par kisi bhi prakaar ka aapko apne chalu khaate ko maintain karne ke liye ya fir sakriya (active) rakhne ke liye aapko yahan par kisi bhi prakaar ka paisa mahine ke taur par, hafte ke taur par, saal ke taur par nahi dena padega. Yahan par zero balance account open hota hai.
Iske alawa, yahan par fayde ki baat karein, toh yeh jo aapka chalu khaata khulne wala hai, yeh normal sabhi khaaton ki tarah hi hai, jiske andar aap apne paise ki len-den kar sakte ho. Iske alawa, digital payments ko bhi receive kar sakte ho.
Iske alawa, aapke yahan par 24/7 yaani 24 ghante, saaton din, aap apne jitna bhi nagad jama (cash deposit) karna chahte ho, nagad jama kar sakte ho, woh bhi online bhi kar sakte ho ya fir shaakha par jaakar bhi kar sakte ho.
Shuruat ke samay mein yahan par agar hum baat karein ki chalu khaata jab kholte ho, toh yahan par kitna paisa aap jama karne ki aapko seema milti hai, toh yahan jo paisa jama karne ki jo seema milti hai, takreeban takreeban ₹3 Lakh tak aapko jama karne ka yahan par seema mil jaata hai.
Iske alawa, yahan par aapko AU ki taraf se jo aapka chalu khaata hai, usmein aapko free AU ki taraf se QR code aur UPI ke option bhi milte hain, jisse aapko paise ki len-den karne mein aur zyada aasaani ho sake.
AU Small Finance Bank Mein Chalu Khaata Mein Kitna Paisa Jama Kar Sakte Hain?
Toh jaise ki main aapko shuruat mein bataya ki agar aapne haal hi mein hi apna Digital Current Account yaani ki AU Small Finance Bank mein zero rupaye mein chalu khaata open kiya hai, ghar baithe hi, toh yahan par shuruati aapko jo seema milti hai, woh takreeban ₹3 Lakh tak aapko dekhne ko mil jaati hai.
Aur ho sakta hai ki jaise-jaise aapki len-den badhe, waise-waise aapki seemayein badhayi jaayein, lekin ho sakta hai ki agar aap apne jo is seema se upar ke paise jama karate ho, toh shayad kisi prakaar ke agar shulk lagta hai, toh shayad aapko dena pad jaayega. Agar yahan par zaroori nahi hai, toh aapko dene ki bhi zaroorat nahi padegi.
AU Small Finance Bank Mein Chalu Khaata Se Paisa Kaise Nikale?
Dekho, aise toh kaafi saare tareeke hain aapko ki aap log aapka agar paisa chalu khaate ke andar, woh bhi AU Small Finance Bank ke andar aata hai, toh aapko kisi bhi tarah ki koi dikkat lene ki waise koi baat nahi hai, kyunki yahan par chalu khaata ho ya fir koi bhi khaata ho, aapko debit card ka option milta hai, jisko hum ATM card bhi kehte hain. Toh zaahir si baat hai, agar aapka jahan AU Small Finance Bank ka ATM mile ya na bhi mile, koi doosre bank ka bhi ATM mile, toh aap jaakar wahan se apne paise ko ATM ke through withdraw nikaal sakte ho yaani nagad mein nikaal sakte ho. Yeh toh ho gaya pehla tareeka.
Doosre tareeke ki jahan tak main baat karta hoon, toh woh hota hai aap online hi apne paise ko nikaal sakte ho, jo aaj ke daur mein sabse zyada aasaan bana chuka hai. Toh aisa bilkul bhi nahi hai ki agar aap apne paison ko wahan AU Small Finance Bank ke andar, chalu khaate ke andar rakhe ho, toh aapko paisa nikaalne mein kisi bhi prakaar ki dikkat hogi. Koi bhi dikkat nahi hai. Iske alawa, aap cheque wagairah bhi issue kar sakte hain.
AU Small Finance Bank Chalu Khaata Mein Cheque Book Kaise Milega?
Dekho, cheque book milna waise bahut aasaan cheez hai. Agar aapka chalu khaata bhi agar open hua hai, woh bhi online mein AU Small Finance Bank ke andar, toh aap simply appeal kar sakte ho ya simply apply (aavedan) de sakte ho, jisse aapko aapka cheque book jo hai, ghar baithe hi receive ho jaayega ya fir aap aapki jo nearest aapne jo apna shaakha choose kiya hai, khaata kholte waqt, wahan par jaakar bhi aap apna cheque book le sakte hain. Ho sakta hai shuruat ke samay mein yeh cheque book aapko ekdum shulk mein free of cost mile, ki kisi bhi prakaar ka fee na lage ya shulk na lage. Lekin agar aap apne diye gaye page ke alawa agar naya page ya fir naya cheque book chahte hain, toh usmein shulk dena pad sakta hai.
AU Small Finance Bank Chalu Khaata Par Lagne Wale Shulk
Ab dekho, shulk (charges) ki agar hum baat kar rahe hain, toh bank, jaise ki agar hum koi bhi bank ki baat kar lein, jo India ka Number One bank bhi hai ya fir koi bhi kahin ka bhi bank ho, shulk toh har jagah lagte hain, chahe woh aapki kisi bhi cheez par ho, lekin aisa nahi hai ki yahan par shulk lagta hai, toh bahut zyada ghaate ki cheez hai. Woh shulk lagta hai, kyunki aapki upayogita hi itni zyada hoti hai.
Jaise agar hum sabse pehle shulk ki agar hum baat karein, toh yahan par sabhi bank mein agar aap notice kareinge, toh chalu khaata open karne par aapko ek monthly balance maintain karna padta hai. Yahan par aap usko shulk nahi bol sakte hain, kyunki wahan par aapko utna paisa rakhna padta hai, tabhi aapka khaata sakriya rehta hai. Lekin AU Small Finance Bank ke andar aisa nahi hai, especially yahan par Digital Current Account ke case mein toh bilkul bhi nahi hai. Lekin agar jo hai, agar baaki ke benefits ya services ka istemal karte hain, tab jaakar aapko ho sakta hai ki shulk ka bhugtaan karna pade.
Ab jismein pehla shulk ki agar hum baat karte hain, toh pehla shulk aata hai aapke nagad jama (cash deposit) ke. Agar aap chahe toh apne paise ko, chahe toh kitna paisa hai, woh online ho ya fir shaakha par jaakar ho. Lekin dusri baat yeh bhi hai ki aapko keval aur keval ek seema se zyada agar aap apne paise ko jama karte hain, toh aisa nahi hai ki aapka wahan par paisa jama karne se mana kar denge. Lekin aapko aapki seema ke upar ke jitne bhi aap paisa jama kareinge, rupaya jama kareinge, uske upar aapko lagne wale shulk ka bhugtaan toh karna hi padega.
Iske alawa, agar aapke alag-alag shulk ki baat karein, toh agar aap NEFT payment ke branch (shaakha) par jaakar agar uska jo payment karte ho, NEFT payment karte ho, toh uska agar aap ₹1 Lakh ke andar-andar tak agar aap bhugtaan karte ho ya payment karte ho, toh aapko ₹2 har payment par karna padega ya har transaction par karna padega aur agar aap ₹1 Lakh se zyada karte hain, toh ₹10 per transaction ya per payment aapko karna pad sakta hai.
Cheque book ke case mein agar hum baat kar lein yahan par, toh aapko shuruat mein toh 100 page ka cheque free milta hai har mahine, lekin uske baad ke agar aapko kuch cheque book ki zaroorat padti hai, toh ₹2 per page ke hisaab se aapko uska bhi bhugtaan karna pad sakta hai.
Maan lo ki aapne kisi vyakti ko cheque book ke through jo hai, apna ek cheque kaat ke diya taaki woh jo hai, aapke khaate se paise le sake aaram se, kyunki aapne bhugtaan kiya hai. Lekin kisi bhi aise reason ki wajah se aapko us cheque ko rokna pade ya stop payment karwani pade, toh stop payment ko karne ke liye ₹50 lag jaayenge aapke shulk ke taur par.
Iske alawa, aapka ek alag charge ki aap ATM se chahe toh utna aapka jo hai, nagad nikaal sakte hain, jitni bhi aapko ek seema mili hui hai, lekin agar aap yeh paanch baar se zyada karte hain, toh aapko paanch baar ke baad, chhatvin baar mein aapko ₹23 har transaction par dena padega.
Par aur bhi ismein nana prakaar ke charges hote hain, lekin woh itne zyada zaroori nahi hai, jitne zyada yeh saare upar ke the. Toh yeh maine aapko bata diye hain. Chaliye ab main aapko aage ki aur cheez bhi batata hoon.
AU Small Finance Bank Mein Chalu Khaata Kholne Ke Liye Dastavez
Toh aaiye agar baat dastavez (documents) ki ho hi gayi, toh sabse pehle aapko bata doon ki kholne ke liye aapko sabse pehle chahe bachat khaata ho ya koi bhi khaata ho, is wala document hai, woh aapko dena hi padta hai. Chahe jismein aapki agar documents ki baat ki jaaye, toh usmein KYC documents mein pehla document PAN Card aur iske alawa aapka Aadhaar Card.
Iske alawa, agar aap ek vyapari ho, toh yeh bahut zaroori hai. Agar aap ek sole proprietorship entity ke andar aate hain, toh.
Iske alawa, jahan par aapka bade business ke registration ke bhi aapko saboot ya fir uska bhi manyata wale patra aapko dikhane pad sakte hain ya certificate dikhane pad sakte hain taaki yeh pata chale ki yeh business aapka hi hai.
Iske alawa, aap bhale hi aapka khaata yahan chalu khaata hi ho, lekin aapko khaata kholne ke liye kam se kam bhi toh starting mein kuch daalna padta hai. Lekin agar chahe toh us rakam ko aap nikaal bhi sakte hain, kyunki account aapka zero balance ke hisaab se hone wala hai.
AU Small Finance Bank Mein Chalu Khaata Kholne Ke Liye Patrata Ya Yogyata
Toh dekhiye, waise toh koi mukhya yogyata ya koi vishesh yogyata ki zaroorat nahi hoti. Yahan par agar koi vyaktigat taur par bhi vyakti hai, woh bhi apna yahan par koi agar kisi aur kaam mein hai, toh woh bhi apne yahan par khaata khol sakta hai.
Iske alawa, sabse pehle aapka dhyan rakhna chahiye, aap Bharat ke ek naagrik hone chahiye.
Saath hi mein, aapko is baat ka pata hona hai ki aapke paas jitne dastavez ho, jisse aapki patrata ya fir aapko jaanane mein aasaani ho, un sabhi ko aapke paas hona hoga ya aapke paas woh cheez honi chahiye.
Iske alawa, aapki umar kam se kam
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