Apna Khud Ka Bank Kaise Khole – How to Open Your Own Bank?

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Apni mehnat ki kamai ko bachat me badalne ke liye aksar log apne paise bank me rakhte hain. Kyuki yah sabse suratkshit tarika hai. Paiso ko pocket me lekar ghumne ki jarurat nhi hai. Aap kahi bhi jaa kar ke bank se apne paise nikal skte hain or jama kar skte hain.

Dosto SBI Bank, Bank of Broda, ICICI Bank, HDFC Bank ye banking center ke kuch common naam hain. Lekin Axis Bank, Bandhan Bank, CSB Bank, City Union Bank jese dher sare naam bhi apko mil jayenge jo ki naye banks hain.

To dosto kya aapke man me bhi kabhi khayal aaya ki akhir 1 naya bank khulta kese hai or kya aap apna khud ka bank khul payenge. Dosto isi sawal ka jawab aaj apko iss article me milega.

Apna Khud Ka Bank Kaise Khole

Banks Kitne Prakar Ke Hote Hain?

Agar aap housewife ho, professionals ho ya fir students ho sabhi ko banking service ki jarurat padti hai. Kisi bhi desh me uska banking sector uska backbone hota hai. India me kai tarah ke banks apko dikh jayenge. jese ki public sector bank, private sector bank etc.

Public Sector Bank

Public sector bank, india me yahi banks hain jo nationlised hote hain or government ka control hota hai. State Bank of India, Bank of India, Allahabad Bank, Bank of Maharashtra, Canara Bank, Indian Overseas bank, IDBI Bank jese 21 nationlised bank hain. jis me State Bank of India sabse bada hai. jo duniya ke top 50 banko me gina jata hai.

Private Sector Bank

Private sector bank ki baat ki jaye toh inki hissedari private share holders ke pass hoti hai. wo koi private company ya koi individual bhi ho skta hai. Reserv Bank of India ki sabhi rules or regulations ko mankar inhe chalna padta hai. HDFC Bank, ICICI Bank, Axis Bank, Yes Bank or Kotak Mahindra Bank jese naam private sector ke banks hain.

Foreign Banks

Foreign Banks ki baat ki jaye toh koi videshi bank agar india me bussiness kar rha hai jiska head quter kisi dusre desh me hai to wah foreign bank ki category me ata hai. jese Citi Bank, Standard Chartered Bank, HSBC Bank. Dosto Indian Banks bhi videsho me foreign banks kahe jayenge.

Small Finance Banks

Dosto ab age Small Finance Banks ki baat ki jaye toh society ke wo log jo apne arthik jarurato ke liye kisi bade banks se finacial support ya loan nhi pate hain. Uhne support dene ke liye Small Finance Banks khole jate hain. Dosto Ye Jadatar Gramin or Small Area me kam karte hain. jese Capital Small Finance Bank, Fincare Small Finance Bank, Suryoday Small Finance Bank Etc.

Cooperative Banks

Dosto ab age aate hain Cooperative Banks iss tarah ke banks no profit no loss ke principal par chalte hain. Jo Cooperative Society Act 1912 me registered hote hain. Or Enterpreneurs, Industries, Small Business or Self Employment ke liye logo ki help karte hain.

Payments Bank

Ab age aate hain Payments Bank inki service payments tak hi hoti hai or inka use kar ke customer maximum payment 1 lakh tak hi kar skte hain. RBI ke duwra inki Activies Restricted hoti hai. Halaki ye bhi ATM Cards, Credit Cards, Net Banking, Mobile Banking, jesi sari subidhaye de skte hain.

Dosto jese ki Airtel Payments Bank, Paytm Payment Bank, Jio Payment Bank, Fino Payment Bank ye sare kuch paymets bank hain.

How to Open Your Own Bank?

Ab baat krte hain bank kholne ki toh india me aap sirf 1 private bank hi khol skte hain. Jiske sabhi guidelines apko RBI ki site me likhi mil jayegi.

No. 1)- 1 naya bank kholne ke liye koi individual jo iss desh ka nagrik hai ya fir koi non banking financial company jiske pass Rs500 Crore ki sampatti ho.

NO. 2)- Koi insan jise finance ya banking area me 10 sal ka experience ho.

No. 3)- private ki koi company jo 10 salo se successfully apna bussiness kar rhi ho. Jinke pass Rs.5000 Crore ka Assets ho or uska 60% financial domain se kamaya gya ho.

No. 4)- company ka insan financial defaulter na ho.

No. 5)- Bank me pahle 5 salo ke liye 40% malikana company ko apne pass rakhna hota hai.

No. 6)- Pahle 5 salo me foreign share holding 49% se jada nhi honi chahiye. Or koi bhi singal foreign share holder 5% se jada own nhi kar skta.

Agar aap  RBI rules to open a private bank search karenge to apko Rbi ki 1 guideline mil jayegi. jisme private bank kholne ke sare  niyam apko mil jayenge.

Dosto ye list or deatils itni jada hai ki inhe iss 1 article me dlna possible nhi tha baki aap apni jankari ke liye inhe padh skte hain or dekh skte hain.

Rbi ki guidelines ko pura karne ke alwa apko project details bhi deni padegi. Detailed project report me apko ye batna hoga ki bank kam kese karega, Bank ka bussiness plan kya hai. or bank kis tarah ke information technology use karega or uski capablity kitni hogi. or bank se judi ground level ki jankariyan. jo unrealistic nhi honi chahiye.

Bank apna financial goal kese achive karega wo bhi apko batana padega. iske sath pattern of share holding in management bhi apko discribe krna hoga.

Bank me kaun log manament ka hissa banenge, kaun log share holder rahenge or foreign equity partation kya hoga. sab kuch Rbi ko batna padta hai.

Iske alwa bhi bank se jodne wale log, promters or share holders ki expertise, track Record of Business or financial worth, Memorandum and Articles of Association, Promoters ki pichhle 10 sal ki latest financial statement, pichhle 3 sal ka income tax return jesi kai sari jankarian bhi declear karni padti hai.

Bank Paise Kaise Kamati Hai?

Dosto aap bank toh khol lenge lekin usse pahle apke liye yah janana bahut jaruri hai ki bank kese kamte hain kaise kyuki india me banko ki sabse bada kamai ka jariya hai fix deposit, bank ke customer apna jo bhi paise banko me rakhte hain usse banko ki punji badhti hai. or usse related bank apne customers se bhi fees ya charges lete hain.

Bank income ka dusra bada jariya hai loan, jadatar bank personal, educational, Business and Gold loan dete hain. inke intrest rate aksar high hote hain jisse banko ki achhi khasi kamai hoti hai.

Jinhe apna bisness suru krna hota hai unse capital funding kar ke unse ane wale intrest se bhi banko ko munfa hota hai.

Iske awla bhi Credit card fees, Checking Accounts, Saving Accounts, Mutual fund Revenue, Investment Management fees, Costodian fees se bhi private bank apna Profit nikalte hain.

Bank Kholne Ke Bad Kya Kya Jarurat Padti Hai?

Dosto 1 bar Document, Registration or License ka kam pura hone ke bad 1 private bank ko physically apna presence dikhni padti hai. jese branch yani ki 1 bank ko apna headquter banane ke sath sath desh ki chhoti badi shahro or gaon me apni  branch kholni padti hai. jisse unka business badhna suru hota hai.

Kyuki bank jitne logo ke pahuch me rahega use utna hi faida hoga, 1 branch kholne ke liye rent par jagahe leni padti hai. uski security uski mainteance usko manage krne ke liye  Employees, Electricity, Computer System, Power Backup jesi dher sari subidhayo se jodna padta hai. Security ki baat ki jaye toh 1 bank ko kholte hi use ek suratkshit network system ki jaruart padti hai.

Jahapar par bank asani se apne internal system me or customers ko banking service de paye. Jaha par koi online farud, chori or hacking jesi khunjais na ho. iske liye banko ko bahut jada suratkshit system banana padta hai jise chalane ke liye bhi server, operating system, skilled log chahiye hote hain. to ispar bahut kharcha ata hai.

Ab age baat krte hain website ki 1 bank ki website sirf logo ko jankari dene ke liye hi nhi hoti hai, waha par log apne account details dekh pate hain, online banking kar pate hain, account se jude updates le pate hain isliye 1 secure website bhi chahiye jo lakho customer ke data ko handle kar sake, Transcation manage kar sake or logo ki jankari safe rakh sake, ispe bhi bank ko achhi khasi rakam karch karni padti hai.

Ab age baat krte hain Atm service ki logo ko jab bhi paiso ki jarurat padti hai tab log atm chale jaate hain. Isliye apne customers ko behtar atm service dena bhi bahut jaruri hai. jaha paise nikalne ke sath sath desopit or passbook printing jesi subidha bhi deni padti hai. Atm me paise ki availblity, saaf safai or security guard ka bhi hona jaruri hai.

Branding or Advertised ki age baat ki jaye toh bank jab apni service suru karta hai toh use customer base badhane ke liye apni branding or advertised par karcha krna hota hai taki copmetitor se mukabala kiya jaa sake. iske alwa bhi aap kya service de rhe hain or wah dusre se behtar kyu hai. ye logo ko janana jaruri hai.

Tabhi log bank ki service lenge isliye jadatar banks tv, akbar, radio or digital plateform par advertised karte hain jispar lakho carodo ka karcha aata hai. or ab baat krte hain jo ki sabse important point ki jo hai employees 1 chhote se branch me kisi bhi bank ko kam se kam 10 log toh chahiye hi hote hain.

us lihaj se bank jese jese apni service badhayega  usse utne hi man power ki jarurat padti hai. branch manager, loan consultant, cashier customer executive jese dher sare employees ki jarurat padti hai.

unki requirment, traning, or salary par bhi bahut sara karcha aata hai. to isse jude banking sector or isse jude kam ka daira bahut bada hai or isliye isko 1 chhote se article me batana asan nhi hai. ye kuch jaruri jankariyan thi jo hamne apko di.

Conclusion

Article achhi lagi ho to ise apne dosto ke sath share jarur kare or age bhi aisi jankariyo ke liye hame follow jarur kare. hum milte hain aapse agle article me tab tak ke liye aap hame comment me bta skte hain ki apko yah article kesa laga or agar apko kisi or topic par jankari chahiye toh aap wo bhi hame bata skte hain. iss article ko padhne ke liye Thank you so much.

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