Indian Banking product: General Products

 

GENERAL PRODUCTS (सामान्य बैंकिंग उत्पाद)

Definition:

Bank ke wo basic financial products aur services, jo aam logon ke daily banking needs ko pura karte hain, unhe General Banking Products kaha jata hai.

General Banking Products ke Pramukh Prakar (Types of General Banking Products)

1. Savings Account (बचत खाता)

   • Customers apna paisa safe rakh sakte hain aur uspe interest bhi milta hai.

   • Example: SBI, HDFC, ICICI ka normal savings account.

2. Current Account (चालू खाता)

   • Business owners ke liye zyada transactions aur no withdrawal limit ka account.

   • Example: Shopkeepers ya companies ka business account.

3. Fixed Deposit (एफडी - सावधि जमा खाता)

   • Ek nishchit samay ke liye paisa bank me rakhna aur uspe higher interest kamaana.

   • Example: ₹1 lakh FD karne par 7% interest per year.

4. Recurring Deposit (आरडी - आवर्ती जमा खाता)

   • Har mahine ek fixed amount deposit karne ka plan, jo savings habit badhata hai.

   • Example: ₹500 per month RD for 5 years.

5. Locker Facility (लॉकर सुविधा)

   • Bank customers ko gold, documents ya jewellery rakhne ke liye safe lockers deta hai.

6. Nomination Facility (नामांकन सुविधा)

• Account holder ki death hone par, uska paisa kisi ek nominee ko mil sake, iske liye nomination ki suvidha hoti hai.

General Banking Products ka Mahatva (Importance)

✔ Aam nagrik ke financial needs ko pura karta hai.
✔ Paisa secure rakhne aur savings badhane me madad karta hai.
✔ Business owners ke transactions easy aur fast hote hain.

Example: Real-Life General Banking Case

Suman ne apni beti ke liye Fixed Deposit (FD) ₹1,00,000 ka banaya. 5 saal baad usko ₹1,40,000 return milega jo uski beti ki padhai me kaam aayega.