What is overdraft facility in bank

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Bank Overdraft की सुविधा सरकारी और प्राइवेट दोनों ही बैंको के लिए हैं. इसमें आपको Current Account, Salary Account and Fixed Deposit पर ज्यादातर बैंक यह सुविधा देते हैं.

Bank Overdraft Debit Or Credit

हर व्यक्ति को कभी न कभी अचानक आर्थिक संकट का सामना करना पड़ता है. इसके लिए वह पहले से ही अपनी तैयारी रख कर चलता है. लेकिन अगर किसी की तैयारी नहीं है तो वह क्या करें? उसके पास क्या रस्ते बचते है. इस खबर में आपको हम आर्थिक संकट के समय कैसे काम करना है, और आप इस संकट से कैसे उबर सकते है,

इसकी जानकारी देंगे. हम आपको एक नई बैंकिंग सुविधा के बारे में जानकारी देने जा रहे है. इसमें आप आसनी से अपने पैसे की जरूरत पूरी कर सकते हैं. ये है बैंक की ओवरड्राफ्ट फैसिलिटी की सुविधा.

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क्या है ओवरड्राफ्ट 

बैंक ओवरड्राफ्ट (Bank Overdraft) की फैसिलिटी सरकारी और प्राइवेट दोनों ही तरह के बैंको के लिए हैं. इसमें आपको करंट अकाउंट, सैलरी अकाउंट और फिक्स्ड डिपॉजिट (FD) पर ज्यादातर बैंक यह सुविधा देते हैं.

कुछ बैंक शेयर, बॉन्ड और बीमा पॉलिसी जैसे एसेट के एवज में भी ओवरड्राफ्ट (Overdraft) की सुविधा देते हैं. इस फैसिलिटी के तहत बैंक से आप अपनी जरूरत का पैसा ले सकते हैं और बाद में यह पैसा चुका भी सकते हैं.

ऐसे मिलेगी सुविधा

अगर बैंक में अपने पहले से कोई एफडी करा रखी है तो ठीक है. नहीं तो आपको बैंक में अपना कोई एसेट्स गिरवी के तौर पर रखना होगा. उसके बाद बैंक आपको ओवरड्राफ्ट की फैसिलिटी देगी. आजकल कई बैंक अपने अच्छे ग्राहकों को पहले से ओवरड्राफ्ट फैसिलिटी ऑफर कर देती हैं. जिन कर्मचारियों को महीने में सैलरी मिलती है उस पर उन्हें ओवरड्राफ्ट आसानी से मिल जाता है.

इतना मिल सकता है पैसा 

आपको बता दे कि बैंक से ओवरड्राफ्ट लेते समय आपको कितना पैसा मिल सकता हैं. यह आप कि लिमिट पर बैंक तय करती है. इस फैसिलिटी के लिए आपने बैंक में गिरवी क्या रखा है. सैलरी और एफडी के मामले में बैंक लिमिट ज्यादा रखते हैं. जैसे आपने अपने बैंक में 2 लाख रुपये की एफडी की है तो ओवरड्राफ्ट के लिए बैंक 1.60 लाख रुपये (80%) की लिमिट तय कर सकती है. शेयर और डिबेंचर के मामले में यह लिमिट 40 से 70 फीसदी रहती है.

क्या है फायदा

क्रेडिट कार्ड या दूसरे पर्सनल लोन के मामले में यह काफी सस्ता माना जाता है. इसमें आपको कम ब्याज देना है. दूसरा ओवरड्राफ्ट में आप जितने समय के लिए पैसा लेते हैं, उतने समय के लिए ही आपको ब्याज देना है.


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