Bank Account Mein Nominee Banana Kyon Zaroori Hai?

Aaj ke samay mein banking ka role sirf paise jama karne tak seemit nahi hai. Hamare jeevan mein bank account ka mahatva din pratidin badhta ja raha hai. Isliye jab bhi hum bank account kholte hain, to ek chhoti si lekin bahut mahatvapurn cheez hoti hai, jo hum ya to ignore kar dete hain ya bina soche samjhe bhar dete hain, aur wo hai nominee ka naam. Nominee ka sahi tareeke se chunav karna aapke paise ko aapke apne logon tak pahunchane mein madad karta hai jab aap khud unke saath nahi hote.

Bank account mein nominee ka arth hai aise vyakti ka chunav karna jo account holder ke dehant ke baad account mein maujood dhanrashi prapt kar sake. Nominee ek vishwaspatra (trustee) hota hai jo paisa receive karta hai, lekin yeh yaad rakhna zaruri hai ki nominee malik nahi hota. Kanooni drishtikon se malik wahi hota hai jo vyavsayik kanoon ke antargat hakdaar maana jata hai jaise ki legal heirs.

Agar aap apne account mein kisi ko nominee bana dete hain, to aapke dehant ke baad bank bina kisi jyada jhanjhat ke nominee ko paisa transfer kar sakta hai. Lekin yadi aap nominee nahi banate hain, to aapka parivaar bank se paisa prapt karne ke liye court ka sahara lena pad sakta hai. Is prakriya mein samay, paisa aur parishram dono lagte hain.

Aksar dekha gaya hai ki log account kholte samay nominee ka column ya to khali chhod dete hain ya kisi aise vyakti ka naam likh dete hain jo baad mein samasya ka karan ban jata hai. Kabhi-kabhi log apne mitra ya door ke rishtedar ka naam likh dete hain aur apne asli parivarik sadasyon ko nazarandaz kar dete hain. Aise sthitiyon mein, jab account holder ki mrityu ho jati hai, to asli hakdaar ko apna adhikar prapt karne mein court case aur kai saalon ki jatil prakriya se guzarna padta hai.

2025 mein naye banking rules ke tahat, Reserve Bank of India ne spasht nirdesh diya hai ki sabhi account holders ko apne bank accounts mein nominee details sahi karni hogi. Yadi kisi account mein nominee nahi hai ya details galat hain, to us account ko claim karne mein kai prashasanik kathinaiyan aa sakti hain. Bank bhi ab nominee update ko lekar sakht ho gaya hai. Kayi bank jaise SBI, HDFC, ICICI ne online portal aur mobile banking apps mein nominee update ka option dena shuru kar diya hai.

Nominee banana keval savings account ke liye nahi, balki fixed deposit (FD), recurring deposit (RD), provident fund (PPF), demat account aur insurance policies ke liye bhi utna hi avashyak hai. Har jagah alag se nominee ka naam likhna jaruri hai. Kai log sochte hain ki ek jagah nominee banane se sabhi jagah ke liye kaafi hai, lekin yeh galat dharna hai. Har product ke liye alag nominee registration hota hai.

Nominee ke selection mein kuch zaruri baatein dhyan mein rakhni chahiye. Pehla, nominee ka poora naam, sahi address aur identity proof details bank mein jama karni chahiye. Dusra, agar aap minor (18 saal se kam umar) ko nominee banate hain, to ek guardian ka naam dena zaroori hai. Teesra, samay-samay par nominee details verify karte rahna chahiye. Jeevan mein badlav, jaise vivaah, santan ka janm, ya kisi apne ka dehant, ke baad nominee badalne ki zarurat pad sakti hai.

Joint account holders ke liye bhi nominee ki vyavastha hoti hai. Joint account mein 'Either or Survivor' ya 'Anyone or Survivor' jaise operational modes hote hain. Iska matlab hai ki jab tak dono jeevit hain, dono account chala sakte hain. Jab ek ka dehant hota hai, to doosra vyakti account operate kar sakta hai. Phir bhi nominee banana jaruri hai kyunki agar dono ka ek saath dehant ho jaye to paisa nominee ko diya ja sake.

Kai baar log sochte hain ki apne bachchon ka naam nominee bana dena sabse sahi rahega. Lekin kabhi-kabhi jab minor nominee banaya jata hai aur guardian sahi nahi hota to baad mein guardian aur parivaar ke beech mein matbhed ho sakte hain. Isliye guardian ka chunav vishwaspatra aur samajhdari se karna chahiye.

Bank death claim settlement ke dauraan nominee ka role sabse pehle aata hai. Jab bank ko death certificate aur basic documents diye jaate hain, to bank nominee ko paisa transfer karta hai. Lekin agar kanooni heirs aur nominee mein vivaad ho jaye, to matter court mein chala jata hai. Isliye nominee banana ke saath-saath apni vasiyat (will) banana bhi ek samajhdari bhara kadam hai.

Ant mein, yeh kehna galat nahi hoga ki apne bank account mein nominee banana ek chhoti si kriya lagti hai, lekin iska prabhav aapke parivaar ke jeevan mein bade samay tak dikhta hai. Thodi si satarkata aur samay nikal kar yeh kaam kar lena, aapke apno ko aarthik suraksha de sakta hai jab aap unke saath nahi hote. Isliye bina deri ke aaj hi apne bank account ke nominee details check karein aur jarurat ho to turant update karein.

Agar aapko apne banking account, insurance policy ya kisi aur financial investment mein nominee update karne mein koi samasya ho to turant apne bank branch mein sampark karein. Online banking ka use karke ghar baithe hi nominee ko add ya update kiya ja sakta hai. Aaj ke yug mein jab har vyakti mobile aur internet se juda hai, to is process ko ignore karna samajhdari nahi hai. Apne hard-earned paise aur parivar ke aarthik bhavishya ko surakshit karne ke liye nominee update karna sabse zaroori kadam hai.

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