RBI यानी Reserve Bank of India (भारतीय रिजर्व बैंक) ने हाल ही में एक और बैंक का License Cancel (लाइसेंस रद्द) कर दिया है।
Agar aapka bhi account is bank me hai, to yeh news aapke liye bahut important hai.
Bank ke बंद hone ki खबर aati hi sabse pehla सवाल dimag me aata hai –
“Hamare paise ka kya hoga?”
Chaliye, simple aur asaan bhasha me samajhte hain ki kya hua hai, kis bank ka license cancel hua hai aur aap apna paisa kaise wapas le sakte hain.
Kaun Sa Bank Band Hua Hai?
RBI ne Seva Vikas Co-operative Bank Limited (सेवा विकास को-ऑपरेटिव बैंक लिमिटेड) ka license radd kar diya hai.
Yeh bank Maharashtra me tha aur kaafi time se financial problem me chal raha tha.
RBI kehta hai ki bank ke paas na toh capital (पूंजी) thi, na koi proper plan, jis se yeh sudhar sake.
Isliye RBI ne ise close karne ka decision liya.
Kya Aapka Paisa Safe Hai?
Agar aapka paisa is bank me hai, toh tension mat lijiye.
RBI aur DICGC (Deposit Insurance and Credit Guarantee Corporation) ke rules ke according aapka paisa safe hai.
DICGC ki scheme ke tahat har customer ka ₹5,00,000 tak ka deposit insured hota hai.
Iska matlab – 5 Lakh Tak Ka Paisa Safe Hai.
DICGC Kya Hai?
DICGC, RBI ki ek subsidiary hai.
Yeh bank me rakhe gaye deposits ka insurance karti hai.
Agar bank band ho jaye ya license cancel ho jaye, toh DICGC har eligible customer ko ₹5 lakh tak ka paisa wapas karti hai.
Toh agar aapka paisa ₹5 lakh ya usse kam hai, toh aapko pura paisa mil jayega.
Agar Paisa ₹5 Lakh Se Zyada Hai To?
Agar aapki deposit amount ₹5 lakh se zyada hai, toh baaki ke paison ke liye aapko Liquidation Process (लिक्विडेशन प्रक्रिया) ka intezar karna hoga.
Yeh ek legal aur time-consuming process hota hai jisme bank ki assets bech kar paisa wapas diya jata hai.
Paisa Wapas Kaise Milega?
- DICGC Claim Process – Aapko koi form bharne ki zarurat nahi hai.
DICGC directly aapka paisa release karta hai, bas aapka account valid hona chahiye. - Bank Se Sampark Banaye Rakhein –
Apne documents ready rakhein, aur bank se regular update lete rahen. - RBI Website Check Karte Rahen –
RBI ke official portal par naye updates milte rahenge.
Aage Kya Karein?
Is incident se sabak le kar aap yeh kaam zarur karein:
- Apni Savings ko multiple banks me distribute karein
- Hamesha ensure karein ki aapka bank RBI guidelines follow kar raha hai
- RBI aur DICGC ki notifications par nazar banaye rakhein
Conclusion – Kya Seekh Milein?
- Seva Vikas Co-operative Bank ka license RBI ne cancel kiya hai.
- Bank ki financial condition kaafi poor thi.
- ₹5 lakh tak ka paisa insured hai, DICGC se aapko paisa mil jayega.
- ₹5 lakh se zyada paisa hai, toh lambi process ka intezar karna padega.
- Future me risk kam karne ke liye paisa alag alag banks me rakhein.
Apne paise ki suraksha aapke haath me hai, bas sahi jagah invest karna zaroori hai.
Tags: RBI Bank License Cancelled, DICGC Insurance, Bank Closure India, Seva Vikas Co-operative Bank, Safe Money Deposit
