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  Trending Article  Home Loan EMI 2025: Kitni Badh Gayi? Full Jaankari Yahan Dekhein!" Introduction:- 2025 ke naye financial year mein RBI ne repo rate mein badlaav kiya hai. Iska direct asar padta hai aapke Home Loan EMI par. Aaj hum aapko batayenge ki naye changes ke baad aapki EMI kitni badh gayi hai aur aap apna loan ka burden kaise kam kar sakte hain. Main Points: RBI ne April 2025 mein repo rate mein 0.25% ka badlaav kiya. Pure India mein banks ne loan rates revise kiye hain. 30 lakh ka loan par ab monthly EMI approx ₹560 tak badh sakti hai. Existing customers ke liye automatic EMI adjustment hoga. New customers ke liye ab sahi bank ka chunav karna important hai. Tips: Existing loan par interest rate negotiate kar sakte hain.  Balance transfer ka option check karen.  Short-term repayment plans consider karen.

 UPI Fraud Se Kaise Bachein? 2025 Mein Badalte Banking Rules Aur Suraksha  आजकल हम सभी UPI (Unified Payments Interface) का इस्तेमाल करते हैं – चाहे Sabzi wala हो या Online Shopping। लेकिन जितना ये आसान है, उतना ही खतरनाक भी अगर आप सावधान न रहें। 2025 में जहां डिजिटल इंडिया और बढ़ा है, वहीं UPI फ्रॉड के केस भी तेजी से बढ़े हैं। आइए जानते हैं कि कैसे बचा जाए इन फ्रॉड्स से और क्या हैं नए banking safety rules। 🚨 UPI Fraud Kya Hota Hai? UPI Fraud ek aisa cyber crime hai jisme धोखेबाज आपके बैंक account से बिना आपकी इजाजत के पैसे निकाल लेते हैं – वो भी सिर्फ एक OTP या QR code के जरिए। 📌 Example: Ravi को एक कॉल आया – "आपका KYC update नहीं है, वरना account बंद हो जाएगा। OTP भेजिए।” उसने भेज दिया और उसके खाते से ₹10,000 कट गए! 🕵️‍♂️ Common UPI Frauds (2025) 1. 🛑 Phishing Calls Fraudster bank बनकर call करता है और कहता है कि आपका KYC update नहीं है। फिर OTP या PIN लेकर account से पैसे निकाल लेता है। 2. 🧾 QR Code Scam Fraudster bolta hai “QR Code scan karo, paisa aayega”, लेकिन actual...

   आजकल डिजिटल बैंकिंग ने हमारी ज़िंदगी को आसान तो बना दिया है, लेकिन इसके साथ-साथ बैंकिंग फ्रॉड का खतरा भी बढ़ गया है।  आम लोगों से कैसे फ्रॉड हो रहा है? कौन-कौन से नए बैंकिंग ट्रेंड्स आ रहे हैं? कैसे खुद को सुरक्षित रखें 💣 1. Common Banking Frauds (2025) 🔹 OTP Fraud Fraudster aapko call karke bolta hai ki aapka KYC update nahi hua. Fir OTP mangta hai aur paisa chura leta hai. Example: Ramesh ji ke paas ek call aayi – "Aapka account band ho raha hai, OTP batayein!" Unhone bataya aur ₹15,000 chori ho गए. 🔹 UPI Scan Frauds Fraudster bolta hai "QR code scan karke paisa milega", lekin actually paisa aapke account से चला जाता है. 🔹 Fake Banking Apps Google Play Store pe kuch apps real दिखते हैं, लेकिन वो आपके data को चुरा सकते हैं. 🔮 2. Latest Banking Trends (2025) ✅ AI-Based Fraud Detection अब बैंक AI use कर रहे हैं जो suspicious activity को तुरंत पकड़ लेता है। Example: अगर आप Delhi में रहते हैं और कोई Mumbai से login करे, तो तुरंत alert आएगा. ✅ Voice Authenticati...

 Nomination in Bank – Agar Kal Hum Na Rahe Toh Paise Ka Kya? (Bank Account Nominee Ka Simple Aur Dil Chhoo Lena Wala Gyaan) 🤔 Intro: Achanak kuch ho gaya, aur paise par jhagda? Har koi bank mein paisa jama karta hai – salary, saving, FD, pension sab. Lekin sochiye agar kal aap na rahe, toh aapke paise ka kya? Kya family ko bina pareshani ke milega? Jawab hai – "Haan", agar aapne Nomination kara rakha hai. Varna… court ke chakkar, bank ka delay, aur parivaar mein tanav! ❓ Nomination Kya Hota Hai? https://amzn.to/3T4fcgo Nomination ka matlab hai: "Aap bank ko pehle se batate ho ki agar aapki death ho jaye, toh paisa kis family member ko diya jaye." Yeh legal declaration hota hai, jo account kholte waqt ya baad mein bhar sakte ho. ✅ Kaun-kaun se account mein nomination ho sakta hai? Saving Account Current Account Fixed Deposit Recurring Deposit PPF Account Lockers 👪 Kaun ban sakta hai nominee? Wife / Husband Son / Daughter Parents Even friend ya trusted person (Lekin...

Intro: Paisa pada rahe ya kamaai kare? Sochiye aapke saving account mein ₹80,000 padhe hain. Aapne use na FD mein lagaya, na nikaala. Bas pada hai... Bank us par sirf 2.5% interest de raha hai. Lekin agar wahi paisa khud-ba-khud FD ban jaye, aur aapko 7% tak interest mile, toh? Yahi kamaal hota hai Flexi Fixed Deposit yaani Auto Sweep Facility ka. 🔹 Flexi FD Kya Hota Hai? Ye ek aisa bank account hota hai jisme: Saving account ka jo paisa limit se zyada hota hai, Bank us paisa ko automatically Fixed Deposit mein daal deta hai, Aur jab aapko paisa chahiye hota hai, FD automatic break ho jati hai. Na aapko form bharna padta hai, na kuch karna padta hai. Sab kuch bank khud karta hai. 🧠 Simple Bhasha Mein Samjhein: Agar aapke saving account ki limit ₹50,000 hai, aur ₹80,000 balance hai, toh extra ₹30,000 bank usi moment FD mein daal dega. Jab aap ₹70,000 nikalne jaoge, toh FD ka ₹20,000 part auto-break ho jayega. Isse aapko zyada interest bhi milta hai aur paisa jab chahiye milta bhi hai....

  RBI monetary policy  Repo Rate (RBI ka Paisa Dena): Repo Rate ka matlab hai ki RBI (jo humara central bank hai) banks ko paisa dene ke liye ek rate decide karta hai. Agar RBI ko lagta hai ki market mein paisa zyada ho gaya hai, toh wo repo rate badha deta hai. Matlab banks ko paisa zyada mehenga milega, aur phir logon ko loan lene mein zyada paisa dena padega. Example: Maan lo, aapke paas ek dost hai jo aapko 100 rupees udhaar deta hai. Agar wo kahi aur se paisa mehenga udhaar le raha hai, toh wo aapko zyada interest ke saath paisa dega. 2. Reverse Repo Rate (RBI ka Paisa Lena): Reverse Repo Rate ka matlab hai ki RBI banks se paisa leta hai. Jab RBI ko lagta hai ki market mein zyada paisa aa gaya hai, toh wo reverse repo rate badhata hai, taaki banks apna paisa RBI ko de dein aur market mein paisa kam ho jayega. Example: Maan lo, aapke paas ek kafi paise hain, lekin aapko lagta hai ki market mein zyada paisa aa gaya hai. Aap apne paise ko RBI ke paas jama kar dete ho taaki m...

 Canara Crest ek premium banking program hai jo ki apne customers ko kuchh vishesh benefits aur suvidhaen pradan karta hai. Is program ke tahat, customers ko nimnalikhit benefits milte hain: - Priority service lounges mein entry - Bespoke cards - Airport lounge access - Dining rewards - Exclusive hotel stays - Unlimited fitness memberships Is program mein do tiers hain: - Crest: Agar aapka quarterly average balance Rs. 10 lakhs se Rs. 50 lakhs ke beech hai, toh aap is tier ke liye eligible hain. - Crest Plus: Agar aapka quarterly average balance Rs. 50 lakhs se zyada hai, toh aap is tier ke liye eligible hain. Is program ke saath, aapko ek seamless digital onboarding process aur curated perks milte hain jo ki aapke banking aur lifestyle experience ko aur bhi behtar banate hain. *Canara Crest Eligibility Criteria* Kya aap Canara Crest ke liye eligible hain? *Jaaniye yeh aasan eligibility criteria:* - *Account Type:* Savings Account - *Account Age:* Kam se kam 1 saal purana - *Umra:*...