बैंक में एक से ज्यादा अकाउंट होने से फायदा या नुकसान, यहां जानें

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एक ही बैंक अकाउंट होने से फाइनेंशियल मैनेजमेंट तो आसान होता है, लेकिन इसके अपने नुकसान हैं.

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वहीं कई बैंक अकाउंट होने से बैकअप अकाउंट का फायदा मिलता है, लेकिन कहीं ये आपकी मुसीबत न बढ़ा दे, ऐसे में क्या करना चाहिए? आइए जानते हैं

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एक्सपर्ट्स का कहना है कि सिंगल सेविंग अकाउंट रखना सबसे बेहतर है. इससे मिनिमम बैलेंस को मेंटेन रखना आसाना होता है.

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क्योंकि डेबिट कार्ड AMC, SMS जैसे चार्ज के लिए कई बैंकों में भुगतान नहीं करना पड़ता. साथ ही जालसाज़ी की आशंका भी कम होती है.

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वहीं फाइनेंस एक्सपर्ट्स के मुताबिक, एक से ज़्यादा बैंक अकाउंट खुलवाने के कई फायदे व नुकसान होते हैं

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वहीं, सिर्फ एक खाता होने पर अकाउंट के लॉगिन डीटेल्स भूलने या लोन डिफॉल्ट होने पर ट्रांजैक्शन में दिक्कत आती है

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एक से ज्यादा बैंक सेविंग अकाउंट होने का मतलब निष्क्रिय खाते (Dormant Account) की संभावना है. इसमें जालसाजी की संभावना सबसे अधिक होती है

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एक से ज्यादा बैंक अकाउंट होने पर आपको मिनिमम बैलेंस को मेंटेन रखने में भी परेशानी हो सकती है. ऐसे में फाइन लगने की भी बहुत संभावना होती है.

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बैंक में मिनिमम बैंक बैलेंस को मेंटेन रखना जरूरी होता है. अगर आपका अकाउंट कई बैंकों में है तो आपकी बड़ी रकम मिनिमम बैलेंस के चक्कर में फंसी रहती है.

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