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Indian Banking products: Deposit

 1. DEPOSITS (जमा खाता)

जब bhi koi vyakti ya business bank mein apna paisa rakhata hai, to ise Deposit (जमा खाता) kehte hain. Ye paisa savings ya investment ke roop mein hota hai.










Deposit ke Prakaar (Types of Deposits)

Deposits do prakar ke hote hain:


(A) Demand Deposits (मांग जमा)

Jisme paisa kabhi bhi nikala ja sakta hai.


Bank ispar kam byaaj deta hai.


Example:


Saving Account (बचत खाता) - Jisme aap paisa save kar sakte hain aur thoda byaaj milta hai.


Current Account (चालू खाता) - Business wale use karte hain, jisme zyada transactions hote hain lekin byaaj nahi milta.


(B) Time Deposits (काल जमा)

Isme paisa ek nishchit samay ke liye bank mein rakhna padta hai.


Ispar zyada byaaj milta hai.


Example:


Fixed Deposit (FD) - Jisme ek fix samay ke liye paisa rakhna padta hai (jaise 1 saal, 5 saal).


Recurring Deposit (RD) - Har mahine thoda-thoda jama karne wala plan.


Deposit ka Mahatva (Importance of Deposits)

Aapka paisa surakshit rehta hai - Ghar par rakhne se suraksha nahi hoti, bank mein paisa safe hota hai.


Byaaj milta hai - Jo paisa aap bank mein rakhte hain, uspar aapko byaaj milta hai.


Emergency mein madad - Kabhi bhi zaroorat padne par aap apne deposits se paisa nikal sakte hain.


Desh ki Arthvyavastha sudharne mein madad - Bank ye paisa loan dene ke liye use karta hai, jo business aur economy ko grow karne mein madad karta hai.


Example: Real-Life Deposit Scenario

Maniye Ramesh ek student hai. Usne apni pocket money bachakar ek saving account khola. Uspar bank usse 4% interest de raha hai. 5 saal tak paisa save karne ke baad uske paas achhi raashi jama ho gayi jo uske higher education mein kaam aayi.

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