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Indian Banking product: Government Business

 

GOVERNMENT BUSINESS PRODUCTS (सरकारी बैंकिंग उत्पाद)












Definition:

Jab bank sarkari yojnaon, pension payments, tax collection, government bonds jaise kaam karta hai, to ise Government Business Products kaha jata hai.

Government Business Products ke Pramukh Prakar (Types of Government Business Products)

  1. Tax Collection Services (कर संग्रह सेवाएं)

    • Bank Income Tax, GST, Property Tax jaise sarkari taxes collect karta hai.

    • Example: SBI ya HDFC ke through online income tax payment


Government Scheams 


  1. Pension Payment Services (पेंशन भुगतान सेवाएं)

    • Sarkari karmachariyon aur senior citizens ko pension ka payment bank ke madhyam se hota hai.

    • Example: EPFO pension, NPS pension payment.

  2. Public Provident Fund (PPF - लोक भविष्य निधि खाता)

    • Long-term savings scheme jo tax-free interest aur retirement savings ke liye hoti hai.

    • Example: 5-year PPF account jisme 7.1% tax-free interest milta hai.

  3. Sukanya Samriddhi Yojana (SSY - सुकन्या समृद्धि योजना)

    • Beti ke bhavishya ke liye highest interest savings scheme jo tax-free hoti hai.

    • Example: ₹1,000 per month SSY me jama karne par 21 saal me ₹30+ lakh return.

  4. Kisan Vikas Patra (KVP - किसान विकास पत्र)

    • Ek special government savings scheme jisme paisa double ho jata hai.

    • Example: ₹1 lakh KVP me lagane par 10 saal me ₹2 lakh milega.

  5. Sovereign Gold Bonds (SGB - स्वर्ण बॉन्ड योजना)

    • Physical gold kharidne ki jagah, government ke gold bonds me invest karna.

    • Example: ₹50,000 SGB me invest karne par 5 saal me 2.5% extra interest milega.

  6. Electoral Bonds (चुनावी बांड)

    • Political parties ko legal aur transparent donation dene ka ek tarika.

Government Business Products ka Mahatva (Importances 


✔ Sarkari yojnaon ka labh direct janta tak pahuchta hai.

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