โยฐโข๐ฉ๐๐ฃ ๐ฃ๐ฎ๐๐- ๐๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฒ๐ฒ๐ ๐ฆ
apni bhasha me smjhau kya?
PAYMENT BANK
Purpose โ Financial inclusion + small digital banking services.
RBI เคเคพเคนเคคเคพ เคฅเคพ เคเคฟ:
เคเคฐเฅเคฌ เคฒเฅเค, เคเฅเคเฅ เคฆเฅเคเคพเคจเคฆเคพเคฐ, migrant workers, rural population เคญเฅ banking system เคธเฅ เคเฅเคกเคผเฅเคเฅค
เคเคจเคเคพ focus mainly:
payments, deposits, money transfer เคชเคฐ เคนเฅเคคเคพ เคนเฅเฅค
Examples:
Paytm Payments Bank
India Post Payments Bank
Airtel Payments Bank
๐ฅ1
SMALL FINANCE BANK (SFB)
Purpose โ Small borrowers เคเฅ loans เคฆเฅเคจเคพเฅค
เคเคจเคเคพ target: small farmers, MSMEs, small business, unorganized sector, เคฏเคพเคจเคฟ เคเคฟเคจเฅเคนเฅเค normal banks เคเคธเคพเคจเฅ เคธเฅ loan เคจเคนเฅเค เคฆเฅเคคเฅเฅค
Examples:
AU Small Finance Bank
Equitas Small Finance Bank
Ujjivan Small Finance Bank
โค4
โ๏ธ There are many candidates who missed their bank exams opportunity by 1 day, 1 month, or a few months. There must be one fixed date for the age cutoff for all exams, and that date must be 1 January.
1 January should be the age cutoff for all bank exams.
Because of your one tweet and your few seconds, a lot of students will get an opportunity.
1 January should be the age cutoff for all bank exams.
Date - 24 May
Time - 9 AM
Platform - Twitter/X
Because of your one tweet and your few seconds, a lot of students will get an opportunity.
โค15
โ2
This media is not supported in your browser
VIEW IN TELEGRAM
เคตเคเคผเฅเคค เคฒเคเคคเคพ เคนเฅ ...๐
It takes time ...โ๏ธ
It takes time ...โ๏ธ
๐4โ1๐1๐ฏ1
About PMJJBY:
It is a one-year cover, renewable year-to-year scheme, is designed to provide Life Insurance cover for death due to any reason at a premium of less than Rs 2 per day.
It is administered by Life Insurance Corporation of India (LIC), though participating banks or post offices may partner with any life insurance company for its implementation.
About PMSBY:
It aims to provide accidental death and disability cover for death or disability on account of an accident, up to Rs 2 Lakhs, at an affordable premium of less than Rs.2 per month.
It is administered by the Ministry of Finance(MoF), and is implemented through Public Sector General Insurance Companies (PSGICs) and other General Insurance companies in collaboration with banks and post offices for enrollment and premium collection.
About APY:
It aims to create a universal social security system for all Indians, especially the poor, the under-privileged and the workers engaged in the unorganised sector.
The scheme is managed by Pension Fund Regulatory and Development Authority (PFRDA) under the overall administrative and institutional architecture of the National Pension System (NPS).
โค11
โค26๐ด5โ2๐ซก1
Please open Telegram to view this post
VIEW IN TELEGRAM
COOLING OFF PERIOD
Cooling-off period ek aisa specified time hota hai jismein aap kisi contract, purchase (kharidari), ya legal agreement se bina kisi badi penalty ke peeche hat sakte hain (cancel kar sakte hain). Yeh Basically ek safety buffer hota hai taaki log jaldbaazi ya pressure mein aakar galat decision na le lein. ๐กโณ
Alag-alag fields mein iska matlab thoda badal jata hai:
๐ฑ Shopping aur Consumer Rights
Online Shopping: Agar aap online ya doorstep seller se kuch kharidte hain, toh aapko kuch din ka time (jaise UK/EU mein 14 days) milta hai. Is beech aap item pasand na aane par return karke full refund le sakte hain. ๐โฉ๏ธ
๐ฐ Loans aur Banking (Finance)
Personal & Digital Loans: India mein RBI ke rules ke mutabik, loan sanction hone ke baad ek cooling-off period milta hai. Agar aapka man badal jaye, toh aap sirf principal amount aur thoda sa interest dekar loan cancel kar sakte hain. Heavy foreclosure charges nahi lagte. ๐ฆ๐
Insurance Policies: Nayi insurance policy lene par 15 se 30 days ka "Free-Look" period milta hai. Is beech terms pasand na aane par aap policy cancel karke poora paisa wapas le sakte hain. ๐ก๐ธ
๐ Property aur Real Estate
Ghar Kharidna: Kuch jagahon par flat ya zameen ka agreement sign karne ke baad 5-7 din ka cooling-off period milta hai. Agar loan approve nahi hua ya ghar mein koi dikkat nikli, toh aap deal cancel kar sakte hain. ๐ก๐
โ๏ธ Court aur Divorce Laws
Mutual Divorce: India mein Hindu Marriage Act ke tahat, agar pati-patni aapsi sahamati se divorce file karte hain, toh court unhe 6 mahine ka cooling-off period deta hai. Yeh time isliye hota hai taaki woh aakhri baar soch lein aur agar ho sake toh rishta bacha lein. ๐๐ค
๐ผ Job Applications (HR Rules)
Re-applying for Job: Agar aap kisi badi company (jaise Google, TCS) ke interview mein reject ho jate hain, toh unka 6 se 12 mahine ka cooling period hota hai. Iska matlab aap us time tak dobara us company mein apply nahi kar sakte. ๐ซ๐ผ
๐5โค3๐1