Net Banking kya hai – Information in Hindi

Internet banking kya hai? Isko activate karne me kya charcha ( charge ) aata hai ? aur net banking ke liye kaise register kar sakte hai ?

Agar aapke mann me aise sawaal hai to aap bilkul sahi jagha par ho.

Net banking ko internet banking, online banking, virtual banking ya phir mobile internet dwara istemaal kare toh usko mobile banking kehte hai.

Internet banking dwara bank ke customer apne ghar bethe internet ke dwara sabhi banking facilities ka labh utha sakte hai.

Koi bhi facility jo ki aapke bank ki local branch me available hai wo aap internet banking ke dwara bhi istemaal kar sakte hai.

Doosri baat me clear kar deta hun ki internet banking ko activate karna bilkul free hai, aaj-kal ye facility har bank deta hai aur ise activate karne ka koi bhi charcha (charge) nahi aata.

Net banking ko activate kaise kare:

Waise toh aajkal jitne bhi naye accounts khul rahe hai unke sath net banking activate karne ka document ( login id aur password ) milta hai.

Ye mujhe mere HDFC ke account ke sath mila tha, isme net banking activate karne ki poori jaankari thi.

Agar aapko bank ne koi aisa document nahi diya hai toh, aap khud bhi register kar sakte hai.

Alag alag banks me online banking register karne ka tarika alag alag hai.

Jaise ki.. kayi banks register karne ke liye customer number maangte hai, jo ki aapke ATM, checkbook ya phir passbook par likha hota hai.

Jaadatar banks aapko pehle se hi online banking ki facility deta hai, lekin kuch banks aise bhi hai jisme aapko bank me jaakar internet banking ke liye register karwana padhta hai.

Lekin internet banking ke liye jo sabse jaroori cheez hai wo hai ki aapka mobile number aapke bank account ke sath linked hona chahiye.

Kayi banks aapko ATM ke dwara apna mobile number link karne ki facility dete hai, lekin kuch banks jaise ki SBI mai aapko khud jaakar mobile number register karwana padta hai.

Ab jaise hi aap internet banking ke liye register karege wo aapse aapki ATM details, aapki CUSTOMER ID , ya phir aapka USERNAME (agar aapko bank se net banking ki booklet mili hai toh) bhi maang sakte hai. Wo kon si details mangte hai ye bank par depend karta hai.

Aapka bank aapse do tarha ke passwords banane ko bhi keh sakta hai, ek LOGIN password hota hai aur doosra TRANSACTION password hota hai.

LOGIN password ke dwara aap chote mote bills pay kar sakte hai, apne account ki statements ko check kar sakte hai, tickets wagar book karwa sakte hai.

Aur TRANSACTION password ki aapko tab jaroorat padhti hai jab aapko apne account se kisi aur ke account me paise transfer karne hote hai, ya phir apne account me beneficiary ko add karna hota hai.

Aur jab bhi aap net banking se paiso ka len den karte hai, bank aapko SMS ke dwara ek OTP bhejta hai, jisse ye confirm ho jata hai ki aap hi apne account ko chala rahe hai.

Internet banking se ham kya kya kar sakte hai ?

Hum internet banking ke dwara cash deposit, check clearing ya phir locker toh nahi khol sakte.

Lekin common cheeze jaise ki Demand Draft, Account ki statement, Money transfer, ATM request, ya phir bill payment yaha se kar sakte hai.

Aajkal sabhi jada internet banking ka istemaal in cheezo ke liye hota hai:

• Bill payment (DTH/ Mobile recharge / Electricity)
• Online shopping (Flipkart, Amazon)
• Account statement
• Taxes payment
• Money transfer (NEFT/IMPS)
• Balance check karna

Kya internet banking safe hai?

Internet banking mai milti level authentication ka istemaal hota hai.

Multi-level authentication (ya security) ka matlab hai ki transaction ke liye aapka password to dalege hi lekin uske baad aapke mobile par ek aur password (OTP) jisko daalne ke baad hi aapki transaction complete hogi. Aur finally transaction hote hi aapke mobile par notification bhi prapt ho jayegi.

Internet banking ke faayde hai ki

• Ye bahut hi simple hai
• Aapko line me nahi lagna padhta aur kaam jaldi hota hai
• Aap ghar bathe asaani se apne bill pay kar sakte hai ya phir shopping kar sakte hai.
• Internet banking aapke pass har samye available rehti hai, aap duniya ke kisi bhi kone me bathe banking kar sakte hai.
• Aap apne account ka dyaan apne mobile par kisi bhi jagah rakh sakte hai, aur check kar sakte hai ki aapka paise surakshit hai ya nhi.

Apne account ko secure kaise rakhe ?

Waise toh net banking bahut secure hoti hai, lekin phir bhi aapko khud apni safety rakhni chahiye, kuch baate hai jaise ki:

• Password kisi se share na kare.
• Password ko 5-6 mahine me badalte rahe.
• Apne phone me Net Banking ki details ko save mat kare.
• Kisi ko bhi apna bank ke sath registered mobile na de.
• Apna OTP kisi ke sath na share kare.
• Jab bhi online login kar rahe to, confirm kar le ki aap bank ki website par hi login kar rahe hai.
• Banking karne ke baad logout karna na bhoole.
• Apne debit card yar phir credit card ka number kisi se share na kare
• Kisi bhi fake website se cheeze na kharide, sirf trusted website par hi shopping kare
• Public place jaise ki cyber cafe par net banking na kare.

 

Jaate jaate mai aapse poochna chahuga, kya aap internet banking karte hai? ya phir karne ki soch rahe hai?

Agar haan to aap internet banking kyo karna cahte hai?  Neeche comments me mujhe bataiye.

Thank you,