Account ko kaise open karangy gy aur konse documents aur mulamat ka hona zaruri hai. Bank my account open karty waqt yi malumaat hona zaruri hai k kis type ka account open karna hai.
FOUR type of bank accounts
i. Current Account
ii. Saving Account
iii. Invesment Account
iv. Business Account
In four account my sy hm ek select karty hai kis my account open karna hota hai.
Account opening tab hogi jab account open karny wala mujood hu. Q k opening k waqat jo form fill hota hai us ko my Cnic aur buhut information zaruri hoty hai. Aur sab sy ahm point signature hota hai jo SS CARD py karta hai account owner npir wahi sign chalta hai us k cheque py. Aur form fill hony k bad NADRA ONLINE k zariye sy Finger verification hote hai jo behad zaruri hai us k bagair account open nahi hota. Ye sab karny k bad 7 sy 10 din my cheque book ajata hai aur pir ATM card b ajata hai same month my.
Cheque ko jab hun cross karty hai tu ACCOUNT PAYEE ka stamp lagaty hai jis ka matlab yi hai ka sirf Payee k account my transfer hosakta hai cash nahi gu sakta.
Agar cheque fill karky kisi customer ko d jai tu wo kitny time k liye rak sakta hai wo 6 months tak. Cheque expire hota hai 6 month k bad. For example 1 january 2020 ko cheque fill hogaya date yi mention ki tu 30 june 2020 tak yi kar amd hai isk k bad yi na transfer hota hai na cash hota hai.
i. Current Account
is my cash jitne hu utni rehty hai na koi deduction hai na koi addation hai.
ii. saving account
es account py different method sy interest milta hai aur bank balance barta hai. sood milta hai jis k waja sy raqam m izzaffa hota hai.
iii.Investment Account
yi account b ii no. ki tarah hota hai means k es py b
monafa ata hai lakin tora concept different hai.
iv. Business Account
yi business k transaction k liye hota hai. es k throgh supplier ko payment hoti hai aur buhut sy business related kam k liye use hota hai. agar FREE TAX NUMBER (FTN) hu to phir bank charges etc b nahi hoty.
Advantages
Cash safe hote hai kisi ka dar nahi hota.
Kidi b waqat cash k zarrurat bu tu ATM sy withdraw karo. Aur kisi ko agar cash daine hu to account tranfer karo.
Advantage k opper Advantage
Jazz cash, Easy paisa, Bank to Bank tranfer free hai kidi b waqt ghar/ office bait k tranfer karo nana second my wo b proof k sath transaction hiostroy b daikh sakty hai.
Disadvantage
Agar mobile m App open reh gaya aur mobile kisi k hath chalagaya tu transfer karty sakta hai cash jitni marzi transfer kary subject to the avaialsbility of fund in account.
Already signed Cheque misplace hona koi b misuse kartsakta hai.
FOUR type of bank accounts
i. Current Account
ii. Saving Account
iii. Invesment Account
iv. Business Account
In four account my sy hm ek select karty hai kis my account open karna hota hai.
Account opening tab hogi jab account open karny wala mujood hu. Q k opening k waqat jo form fill hota hai us ko my Cnic aur buhut information zaruri hoty hai. Aur sab sy ahm point signature hota hai jo SS CARD py karta hai account owner npir wahi sign chalta hai us k cheque py. Aur form fill hony k bad NADRA ONLINE k zariye sy Finger verification hote hai jo behad zaruri hai us k bagair account open nahi hota. Ye sab karny k bad 7 sy 10 din my cheque book ajata hai aur pir ATM card b ajata hai same month my.
Cheque ko jab hun cross karty hai tu ACCOUNT PAYEE ka stamp lagaty hai jis ka matlab yi hai ka sirf Payee k account my transfer hosakta hai cash nahi gu sakta.
Agar cheque fill karky kisi customer ko d jai tu wo kitny time k liye rak sakta hai wo 6 months tak. Cheque expire hota hai 6 month k bad. For example 1 january 2020 ko cheque fill hogaya date yi mention ki tu 30 june 2020 tak yi kar amd hai isk k bad yi na transfer hota hai na cash hota hai.
i. Current Account
is my cash jitne hu utni rehty hai na koi deduction hai na koi addation hai.
ii. saving account
es account py different method sy interest milta hai aur bank balance barta hai. sood milta hai jis k waja sy raqam m izzaffa hota hai.
iii.Investment Account
yi account b ii no. ki tarah hota hai means k es py b
monafa ata hai lakin tora concept different hai.
iv. Business Account
yi business k transaction k liye hota hai. es k throgh supplier ko payment hoti hai aur buhut sy business related kam k liye use hota hai. agar FREE TAX NUMBER (FTN) hu to phir bank charges etc b nahi hoty.
Advantages
Cash safe hote hai kisi ka dar nahi hota.
Kidi b waqat cash k zarrurat bu tu ATM sy withdraw karo. Aur kisi ko agar cash daine hu to account tranfer karo.
Advantage k opper Advantage
Jazz cash, Easy paisa, Bank to Bank tranfer free hai kidi b waqt ghar/ office bait k tranfer karo nana second my wo b proof k sath transaction hiostroy b daikh sakty hai.
Disadvantage
Agar mobile m App open reh gaya aur mobile kisi k hath chalagaya tu transfer karty sakta hai cash jitni marzi transfer kary subject to the avaialsbility of fund in account.
Already signed Cheque misplace hona koi b misuse kartsakta hai.
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