�ݺ�ߣ

Why
?Savings
?are
?needed?
?
With
?savings,
?in
?the
?future
?
?
you
?can
?buy
?what
?you
?can
?
?
not
?buy
?today
?
Future
?Needs
? Emergencies
?
Unexpected
?Expenses
?like
?
?
Illness,
?accident,
?death
?
Large
?Expenses
?
To
?meet
?larger
?expenses
?
like
?purchasing
?a
?house,
?marriage,
?
educaBon
?
Unsafe
?
Money
?can
?be
?stolen
?or
?lost
?
due
?to
?natural
?calamiBes
?
Drawbacks
?of
?
Cash
?at
?Home
?
Loss
?of
?
Growth
?
?
Opportunity
?
Loss
?of
?Interest
?Income
?
No
?Credit
?
?
Eligibility
?
Deposits
?in
?Bank
?
?
creates
?Credit
?Eligibility
?
Inculcate
?
habit
?of
?
Saving
?
Avoid
?risk
?of
?
chit
?funds,
?
sahukars
?
?
Secure
?
Money
?
Earn
?
Interest
?
Loans
?
RemiLances
?using
?Cheque
?
Demand
?DraN
?
?
Bank
?
Why
?Bank
?is
?needed?
?
In
?case
?of
?no
?o?cial
?
documents
?

?
��Small
?Accounts��
?can
?be
?
opened
?by
?submiOng
?recent
?
photograph
?and
?puOng
?
signature
?or
?thumb
?impression
?
in
?the
?presence
?of
?Bank
?O?cial
?
Documents
?for
?Opening
?of
?Bank
?Account
?
Passport
? Pan
?Card
? Driving
?License
?
Aadhar
?Card
? Voter
?Id
?Card
? Photograph
? Manrega
?Card
?

Recurring
?
?
Account
?
?
Saving
?
Account
?
Fixed
?
Deposit
?
Banking
?Products
?
Monthly
?savings.
?Interest
?
paid
?higher
?than
?savings
?
bank
?account.
?
Normal
?transacBon,
??exibility
?
for
?deposit
?and
?withdraws,
?
passbook
?and
?cheque
?book,etc
?
Fixed
?deposit
?for
?7
?
days
?to
?10
?years,
?
higher
?interest.
?
EducaBon
?
Loans
?
Pursuing
?Higher/VocaBonal
?
?
studies
?in
?India
?maximum
?10
?
lakhs
?and
?abroad
?20
?lakhs.
?
OverdraNs
?
?
Excess
?money
?withdrawal
?
over
?balance
?in
?accounts
?
on
?basis
?of
?eligibility
?
Banking
?Service
?Delivery
?Channel
?
Cash
?Withdrawal
?through
?
ATM
?/
?RuPay
?Debit
?Card
?
ATM
?
?
Account
?Opening,
?Cash
?Withdrawal
?
?/
?
Deposit,
?Fund
?Transfer
?
Bank
?Mitra
?with
?
Micro
?ATM
?
Point
?of
?Sale
?
All
?Banking
?Services
?
Branch
?
?
Fund
?Transfer
?,
?Bill
?
payment,
?online
?
shopping
?,Bcket
?
Internet
?
Banking
?
Mobile
?
Banking
?
?
Fund
?Transfer
?,
?Bill
?
payment
?
Mobile
?wallets
?
Mobile
?based
?virtual
?
wallet,
?preloaded
?
amount
?for
?online
?and
?
o?ine
?spends
?
Purchasing
?and
?
limited
?cash
?
withdrawal
?
NaIonal
?Electronic
?
?
Fund
?Transfer
?(NEFT)
?
Real
?Time
?Gross
?
?
SePlement
?(RTGS)
?
Inter-?�\Bank
?Transfer
?of
?any
?
amount
?
Inter-?�\Bank
?Transfer
?of
?Rs
?2
?
lac
?and
?above.
?

Insurance
?
Life
?Insurance
? Non-?�\Life
?Insurance
?
An
?agreement
?in
?which
?a
?person
?makes
?regular
?
payments
?to
?a
?
?company
?and
?the
?company
?
promises
?to
?pay
?money
?up
?to
?the
?insured
?
amount
?if
?the
?person
?is
?injured
?or
?dies,
?or
?to
?
pay
?money
?equal
?to
?the
?value
?of
?something
?
(such
?as
?a
?house
?or
?car)
?if
?it
?is
?damaged,
?lost,
?
or
?stolen.
?
Protection against future loss

What
?is
?Insurance?
?
Accidental
?insurance
?coverage
?of
?Rs
?
2
?lacs
?at
?a
?premium
?of
?Rs
?12/-?�\
?per
?
annum/
?member
?(Age
?18
?�C
?70)
?
Life
?insurance
?coverage
?of
?Rs
?2
?lacs
?at
?a
?premium
?
of
?Rs
?330
?/-?�\
?per
?annum/
?member
?(Age
?18-?�\50)
?
Assured
?pension
?of
?Rs
?
1000/-?�\
?to
?Rs
?5000/-?�\
?
(Age
?18-?�\40)
?
Social
?Security
?Schemes
?
PPF
?
?
The
?Public
?Provident
?Fund
?is
?savings-?�\
cum-?�\tax-?�\saving
?instrument.
?
It
?mobilize
?small
?savings
?by
?o?ering
?an
?
investment
?with
?reasonable
?returns
?
combined
?with
?income
?tax
?bene?ts.
?
Pension
?

?
A
?plan
?for
?seOng
?
aside
?money
?to
?
be
?spent
?aNer
?
reBrement
?
?
?? Launched
?by
?Hon��ble
?Prime
?Minister
?on
?28th
?August
?2014.
?
?? The
?scheme
?focuses
?on
?coverage
?of
?households
?in
?rural
?as
?well
?as
?urban
?areas.
?
?? RuPay
?Debit
?Card
?provides
?in-?�\built
?Accidental
?Insurance
?Cover
?of
?Rs
?1.00
?Lac.
?
?? OverdraN
?facility
?up
?to
?Rs
?5000/-?�\
?
Pradhan
?Mantri
?Jan-?�\Dhan
?Yojana
?
Cheque
?
Demand
?DraV
?
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18
Banking
?
?
Instruments
?
For
?cash
?withdrawal
?at
?Automated
?Teller
?
Machine/Point
?of
?Sale
?(PoS)/Micro
?ATM
?
through
?PIN/Password,
?cashless
?payment
?
for
?purchases
?etc.
?
ATM
?Debit
?Card
?

?

?RuPay
?Debit
?
Card
?

�ݺ�ߣ

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