Aajkal bahut logon ke paas ek se zyada Bank Accounts (बैंक अकाउंट्स) hote hain.
Kisi ne job change kiya toh naya account khul gaya,
Kisi ne savings ke liye alag account rakha,
Kisi ne online payments ke liye.
Lekin ek simple sa sawaal – Kya ye zaroori hai?
Ya fir ye aapke liye nuksan ka sabab ban sakta hai?
Chaliye, ek dost ke tarah baat karte hain aur aasan shabdon mein samjhte hain
ki ek se zyada bank accounts rakhne ka fayda kam, nuksan zyada kyu hota hai.
1. Har Bank Account Mein Minimum Balance Rakhna Padta Hai
Har bank apne rules ke hisaab se aapse Minimum Balance (मिनिमम बैलेंस) maintain karne ko kehta hai.
Aur agar aap maintain nahi karte, toh penalty lagti hai.
Socho agar aapke paas 3 account hain aur sab mein 10,000 rupaye rakhne zaroori hain,
toh aapke 30,000 rupaye bas bank mein padhe rahenge.
Na use kar paoge, na invest kar paoge.
Yani aapka paisa fasa rahega.
2. Extra Charges Ka Load Badh Jaata Hai
Zyada accounts ka matlab zyada charges.
Jaise:
- Debit/Credit Card Charges
- Annual Maintenance Fees
- Transaction Charges
Aap inka use karein ya na karein,
har saal ye charges aapke account se deduct hote hi hain.
Iska matlab, bina wajah ke paise waste ho rahe hain.
3. Credit Score Par Bhi Padta Hai Asar
Jab aap apne accounts ko properly manage nahi karte,
toh aapka Credit Score (क्रेडिट स्कोर) yaani CIBIL Score bhi effect hota hai.
Inactive accounts, ya jinmein minimum balance nahi hai,
wo aapki financial discipline ko kharab dikhate hain.
Aur jab aap future mein Loan (लोन) lene jaate ho,
toh bank ko aap par bharosa nahi hota.
4. Tax Bharne Mein Aati Hai Pareshani
Income Tax Return (इनकम टैक्स रिटर्न) bharte waqt aapko sabhi bank accounts ka detail dena padta hai.
Agar accounts zyada hain, toh statements nikalna,
details bharna, sab confusing ho jaata hai.
Aur agar koi account chhut gaya, toh IT Department ki nazar aap par pad sakti hai.
5. Fraud Ka Risk Badh Jaata Hai
Kuch accounts hum itne time tak use nahi karte ki wo Dormant (निष्क्रिय) ho jaate hain.
Aur dormant accounts fraud ke liye soft target hote hain.
Aise kai cases aaye hain jahan logon ko baad mein pata chala
ki unke purane account se unauthorized transaction ho gaya.
So, agar account ka use nahi ho raha, toh use band kar dena safe choice hai.
Toh Kitne Bank Accounts Hone Chahiye?
Experts kehte hain: 2 ya 3 accounts kaafi hain.
- Ek account – Salary (सैलरी) ya Business (बिज़नेस) ke liye
- Dusra account – Saving (सेविंग) ya Investment (निवेश) ke liye
- Agar zarurat ho toh teesra – kisi special purpose ke liye
Bas. Isse zyada nahi.
Conclusion: Kam Account, Zyada Aaram
Zyada bank accounts rakhne ka matlab hai:
- Minimum Balance ka tension
- Extra Charges ka bojh
- Credit Score ka risk
- Tax filing ka jhanjhat
- Aur Fraud ka khatra
Toh samajhdari isi mein hai ki aap sirf zarurat ke hisaab se bank accounts rakhein.
Jo account kaam ke nahi, use close kar dein.
Aakhir paisa aapka hai,
uska best use bhi aapko hi samajhna hai.
