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Indian Banking product: Employee Advance

 

6. EMPLOYEE ADVANCES (कर्मचारी अग्रिम भुगतान/ऋण)







Definition:

Jab bank apne khud ke employees ko loan ya salary advance deta hai, to ise Employee Advances kehte hain.

Types of Employee Advances (कर्मचारी ऋण के प्रकार)

  1. Festival Advance (त्योहार अग्रिम) – Employees ko Diwali, Holi jaise tyohar par salary se advance paisa diya jata hai.

  2. Personal Loan for Staff (कर्मचारी व्यक्तिगत ऋण) – Employees apni zaroorat ke liye low-interest loan le sakte hain.

  3. Housing Loan for Staff (कर्मचारी गृह ऋण) – Bank apne staff ko discounted interest rate par home loan deta hai.

  4. Vehicle Loan for Staff (वाहन ऋण) – Staff ko car/bike kharidne ke liye special loan diya jata hai.

  5. Education Loan for Staff & Their Children (कर्मचारियों व उनके बच्चों के लिए शिक्षा ऋण) – Bank staff ke bachchon ke education ke liye subsidized loan deta hai.







Employee Advances ka Mahatva (Importance)

✔ Bank employees ki financial stability badhti hai.
✔ Karmachariyon ka motivation aur job satisfaction badhta hai.
✔ Bank ke staff ko sasta loan milta hai jo unki life easy banata hai.

Example: Real-Life Employee Advance Case







Rajesh ek bank employee hai. Usne ₹30 lakh ka housing loan liya sirf 5% interest rate par, jabki normal customer ko ye 8% interest par milta. Is wajah se usko achha ghar mil gaya aur kam EMI deni pad rahi hai.

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