psd laxzg.k uhfr - Baroda UP Gramin Bank
psd laxzg.k uhfr - Baroda UP Gramin Bank
psd laxzg.k uhfr - Baroda UP Gramin Bank
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<strong>uhfr</strong> fuEu fcUnqvksa ij vk/kkfjr gS %&<br />
<strong>psd</strong> <strong>laxzg</strong>.k <strong>uhfr</strong><br />
LFkkuh; Lrj ij izLrqr <strong>psd</strong>ksa rFkk vU; fy[krksa dh mxkghA<br />
<strong>psd</strong>ksa@fy[krksa dh mxkgh gsrq le; lhek ekun.MA<br />
fu/kkZfjr le;kof/k esa LFkkuh; <strong>psd</strong>ksa @xSj LFkkuh; <strong>psd</strong>ksa@fy[krksa (Outstation Cheque) dh mxkgh esa foQyrk ij foyEc<br />
vof/k ij C;kt Hkqxrku dh <strong>uhfr</strong>A<br />
mxkgh gsrq izLrqr <strong>psd</strong>ksa@fy[krksa ds ekxZ@Mkd esa [kks tkus ij xzkgd dks {kfriwfrZA<br />
mxkgh dh O;oLFkk<br />
xzkgdksa }kjk mxkgh gsrq izLrqr <strong>psd</strong>ksa@fy[krksa dks ‘kk[kk,a ‘kk[kk dkjksckj vof/k ds nkSjku Lohdkj djsaxhA<br />
LFkkuh; Lrj ij ns; izLrqr <strong>psd</strong>ksa@fy[krksa dh mxkgh<br />
,sls <strong>psd</strong>@fy[krsa] ftudh mxkgh LFkkuh; Lrj ij gksuh gks] dsUnz ij ykxw lek’kks/ku O;oLFkk ds vUrxZr mxkgh gsrq tek dh tk;sxhA<br />
xzkgd }kjk fu/kkZfjr le;kof/k (Cut-off time) ds nkSjku ‘kk[kk dkmUVj vFkok ‘kk[kk ifjlj ij miyC/k ^^mxkgh isVh** esa tek dh<br />
x;h <strong>psd</strong>sa lek’kks/ku gsrq mlh fnu izLrqr dh tk;saxhA LFkkuh; <strong>psd</strong>ksa ds ekeyksa esa fdlh Hkh fLFkfr esa lEcfU/kr okilh lek’kks/ku ds<br />
lekIr gksus ds Ik’pkr cSad dks xzkgd ds [kkrs esa vHkklh dszfMV vo’; fn[kkuh pkfg, vkSj fdlh Hkh ifjfLFkfr esa vkgj.k dh<br />
vuqefr mlh fnu ;k vf/kd ls vf/kd vxys dk;Zfnol ds vkjEHk gksus ds ,d ?kaVs ds Hkhrj gksuh pkfg, c’krsZ lkekU; lqj{kk<br />
mik; iwjs dj fy;s x;s gks A<br />
^^xzkgdksa }kjk fu/kkZfjr le;kof/k (Cut-off time) rd ‘kk[kk esa <strong>psd</strong> tek djus ij <strong>psd</strong> mlh fnol dks lek’kks/ku gsrq izLrqr fd;s<br />
tk;sxs** bl vk’k; dh lwpuk ‘kk[kk,a ‘kk[kk ifjlj esa lwpukiV ij Áeq[k n’kZuh; LFkku ij iznf’kZr dj mldk O;kid izpkj djsaxhA<br />
‘kk[kk,a ,sls dsUnzksa] tgka lek’kks/ku x`g dh lqfo/kk ugha gS] LFkkuh; <strong>psd</strong>ksa dks vnkdrkZ cSad dks dkmUVj ij mxkgh gsrq izLrqr djsaxh<br />
rFkk ‘kh?kz mxkgh gsrq iz;kl djsaxhA<br />
,sLks dsUnzksa] tgka ij lek’kks/ku dh lqfo/kk gS rFkk eq[; ‘kk[kk ds vfrfjDr cSad dh vU; ‘kk[kk,a Hkh gSa] LFkkuh; <strong>psd</strong>ksa dks lek’kks/ku gsrq<br />
‘kk[kk,a eq[; ‘kk[kk vFkok lek’kks/ku gsrq ukfer ‘kk[kk dks izLrqr djsaxhA<br />
nzqr lek’kks/ku (Speed Clearing)<br />
xSj LFkkuh; <strong>psd</strong> ¼okº; <strong>psd</strong>½] tks LihM fDy;fjax ds p;fur dsUnzksa ¼dkuiqj] cjsyh ,oa QStkckn½ ij ns; gksa] ij izLrqr <strong>psd</strong>ksa dk<br />
<strong>laxzg</strong>.k LFkkuh; <strong>psd</strong>ksa (Local Cheques) ds vuqlkj gksxkA LFkkuh; <strong>psd</strong>ksa ij ykxw lHkh ‘krsZa o fu;e LihM fDy;fjax ij ykxw<br />
gksaxhA<br />
xSj LFkkuh; <strong>psd</strong> (Outstation Cheques)<br />
xSj LFkkuh; <strong>psd</strong> vkSj vU; fy[krsa mxkgh gsrq fuEukuqlkj izsf”kr fd;s tk;saxs %&<br />
tgka gekjs cSad dh ,d ‘kk[kk gS] mlh ‘kk[kk dksA<br />
tgka gekjs cSad dh ,d ‘kk[kk ls vf/kd ‘kk[kk,a gSa] eq[; ‘kk[kk vFkok ukfer ‘kk[kk dksA<br />
;fn fy[krsa gekjh ‘kk[kk ij vkgfjr gksa rks vnkdrkZ ‘kk[kk dksA<br />
fuf’pr dsUnzksa esa leewY; ij ns; <strong>psd</strong>ksa dks vkSj fy[krksa dks mu dsUnzksa ij gekjh fudVre ‘kk[kk dksA<br />
tgka vnkdrkZ cSad dh LFkkuh; ‘kk[kk gks] mxkgh ds fy, izkIr <strong>psd</strong> lEcfU/kr cSad dh mxkgh O;oLFkk dks /;ku esa j[krs gq,<br />
ml ‘kk[kk ;k lh/ks vnkdrkZ ‘kk[kk dks Hkstsa A
;fn vnkdrkZ ‘kk[kk ds dsUnz ij gekjh dksbZ ‘kk[kk ugha gS] [kkrsnkj ds fyf[kr vuqjks/k ij <strong>psd</strong>@fy[kr lh/ks cSad dh<br />
vnkdrkZ ‘kk[kk dksA<br />
orZeku esa gekjh ‘kk[kk,a dsUnzh; izfdz;k O;oLFkk (CBS) ds lkFk tqM+h gSaA vr% ‘kk[kk,a ,sls ckgjh <strong>psd</strong>ksa ds lEcU/k esa]<br />
tks vius lh0ch0,l0 usVodZ ls tqM+h gSa] ,sls <strong>psd</strong>ksa dh jkf’k xzkgdksa ds [kkrs esa mlh fnu tek dh tk;sxhA<br />
LFkkuh;@ckgjh@fy[krksa dks rRdky tek nsuk<br />
cSad dh ’kk[kk,a@,DlVsa’ku dkmUVj oS;fDrd [kkrk/kkjdksa }kjk izLrqr ckgjh <strong>psd</strong>ksa@fy[krksa ij rRdky tek nsus ij fopkj<br />
dj ldrs gSa c’krsZ fd mldh lexz jkf’k :0 20]000@& ls vf/kd ugha gks rFkk [kkrs dk ifjpkyu fiNys 6 ekg esa<br />
larks”ktud gksA bl izdkj ds mxkgh fy[krksa ij rRdky tek xzkgd ds fyf[kr vuqjks/k ij iw.kZ O;oLFkk ds vuqlkj fn;k<br />
tk;sxkA rRdky dzsfMV dh lqfo/kk LFkkuh; <strong>psd</strong>ksa ds fo”k; esa] tgka vkSipkfjd lek’kks/ku x`g dk;Zjr ugha gS] ogka Hkh miyC/k<br />
djk;h tk;sxhA<br />
rRdky tek dh lqfo/kk xzkgdksa ds cpr [kkrk@pkyw@dS’k dzsfMV [kkrksa esa nh tk;sxhA ;g lqfo/kk nsus ds fy, [kkrs esa de<br />
ls de jkf’k j[kus dk dksbZ vyx ls fu/kkZj.k ugha fd;k tk;sxkA<br />
cSad us bl dk;Z ds fy, ,d fo’ks”k tekiphZ rS;kj dh gS ftlesa ;g lqfo/kk pkgus okys xzkgdksa dks bl iphZ dks fof/kor~<br />
Hkjdj gLrk{kj ds lkFk <strong>psd</strong> izLrqr djuk gksxkA<br />
bl <strong>uhfr</strong> ds v/khu] C;kt i=ksa@ykHkka’k i=ksa dks <strong>psd</strong>ksa ds leku ekuk tk;sxkA<br />
ftu <strong>psd</strong>ksa ds lkeus rRdky tek nh x;h gS muds vLohdkj fd;s tkus ds ekeys esa] cSad us ftrus fnu ds fy, fuf/k;ka<br />
miyC/k djk;h gSa mrus fnu ds fy, oS;fDrd xzkgdksa dh vksojMªkV fyfeV ij fu/kkZfjr C;kt nj ls C;kt olwy fd;k<br />
tk;sxkA<br />
[[<br />
bl <strong>uhfr</strong> ds varxZr [kkrs ds larks”ktud ifjpkyu dk rkRi;Z gS &<br />
d½<br />
[k½<br />
x½<br />
?k½<br />
[kkrk de ls de 6 ekg igys ds0okbZ0lh0 ekunaMksa dks iwjk djrs gq, [kksyk x;k gksA<br />
[kkrs dk ifjpkyu larks”ktud gks vkSj ysu&nsu esa dksbZ folaxfr /;ku esa u vk;h gksA<br />
[kkrs esa rRdky tek fn;k x;k dksbZ <strong>psd</strong> foRrh; dkj.kksa ls okil u vk;k gksA<br />
,slk [kkrk ftlesa rRdky tek nh x;h jkf’k ds isVs vLohd`r <strong>psd</strong> dh jkf’k dh olwyh esa cSad dks dksbZ ijs’kkuh<br />
eglwl u gqbZ gksA<br />
cSad olwyh ds fy, izLrqr fd;s x;s ckgjh fy[kr ds isVs rRdky tek nsrs le; lkekU; mxkgh izHkkj ,oa tsch [kpksZa dh<br />
olwyh djsxkA <strong>psd</strong> [kjhnus ds fy, ykxw fofue; izHkkj ugha yxk;s tk;saxsA<br />
LihM fDy;fjax ds ekeyksa esa rRdky tek dh lqfo/kk miyC/k ugha gksxhA<br />
LFkkuh;@xSj LFkkuh; <strong>psd</strong>@fy[krksa dh mxkgh gsrq le; lhek<br />
LFkkuh; <strong>psd</strong>ksa ds ekeyksa esa fdlh Hkh fLFkfr esa lEcfU/kr okilh lek’kks/ku ds lekIr gksus ds Ik’pkr cSad dks xzkgd ds [kkrs<br />
esa vHkklh dszfMV vo’; fn[kkuh pkfg, vkSj fdlh Hkh ifjfLFkfr esa vkgj.k dh vuqefr mlh fnu ;k vf/kd ls vf/kd<br />
vxys dk;Zfnol ds vkjEHk gksus ds ,d ?kaVs ds Hkhrj gksuh pkfg, c’krsZ lkekU; lqj{kk mik; iwjs dj fy;s x;s gks A
fofHkUu dsUnzksa ij mxkgh gsrq izLrqr <strong>psd</strong> rFkk fy[krksa dh mxkgh ij fuEu le; lhek ykxw gksxh %&<br />
izeq[k egkuxjh; dsUnzksa ubZ fnYyh] eqEcbZ] dksydkrk o psUubZ ij ns; <strong>psd</strong>ksa dk Hkqxrku<br />
egkuxjh; dsUnzksa rFkk jkT; dh jkt/kkfu;ksa ij ns; <strong>psd</strong>ksa@fy[krksa ¼mRrj iwohZ jkT;ks ,oa<br />
flfDde dks NksM+dj½ dk Hkqxrku<br />
vU; dsUnzksa ij ns; <strong>psd</strong><br />
vukn`r (Dishonour) <strong>psd</strong>@fy[kr xzkgd dks 24 ?kUVs ds vUnj okil@Mkd }kjk izsf”kr dj fn;s tk;saxsA<br />
mxkgh ds fy, Hksts x;s LFkkuh; @ckgjh <strong>psd</strong>ksa ij foyfEcr vof/k gsrq C;kt dk Hkqxrku<br />
vf/kdre &7& fnuksa rd<br />
vf/kdre &10& fnuksa rd<br />
vf/kdre &14& fnuksa rd<br />
ckgjh <strong>psd</strong>ksa ij foyfEcr vof/k gsrq C;kt<br />
mRrj iwohZ {ks= ds jkT;ksa vkSj flfDde dks NksM+dj ns’k ds vU; dsUnzksa ij mxkgh gsrq izLrqr <strong>psd</strong>ksa dh mxkgh esa mDr fu/kkZfjr<br />
le;kof/k ls foyEc gksus ij cSad }kjk xzkgd dks foyEc vof/k dk C;kt ns; gksxkA vius cSad dh ‘kk[kkvksa vFkok vU; cSadksa<br />
dh ‘kk[kkvksa ij ns; <strong>psd</strong>ksa esa leku fu;e ykxw gksaxsA foyEc vof/k gsrq fuEukuqlkj C;kt fn;k tk;sxk %&<br />
ckgjh <strong>psd</strong>ksa ds ekeyksa esa cpr [kkrksa ij ykxw C;kt nj ls] ;fn foyEc 7@10@14 fnuksa ¼tSlk ekeyk gks½ ls vf/kd<br />
gqvk gks] C;kt fn;k tk;sxkA<br />
tgka foyEc 14 fnuksa ls vf/kd ijUrq 90 fnuksa rd gqvk gks] blh vof/k gsrq lkof/k tekvksa ij ykxw C;kt nj ls<br />
C;kt fn;k tk;sxkA<br />
tgka vlk/kkj.k foyEc vFkkZr~ foyEc 90 fnuksa ls vf/kd dk gqvk gks] mlh vof/k gsrq lkof/k tekvksa ij ykxw C;kt<br />
nj ls 2% vf/kd C;kt nj ls foyEc vof/k dk C;kt fn;k tk;sxkA<br />
;fn <strong>psd</strong> dh jkf’k xzkgd ds _.k@vksojMªkV [kkrs esa tek dh tkuh gks rks ,slh fLFkfr esa foyEc dh vof/k gsrq<br />
_.k@vksojM~;w [kkrksa esa ns; C;kt nj ls C;kt fn;k tk;sxkA vlk/kkj.k foyEc ds ekeys esa _.k@vksojM~;w [kkrs esa<br />
ns; C;kt nj ls 2% vf/kd C;kt fn;k tk;sxkA<br />
LFkkuh; <strong>psd</strong>ksa ij foyfEcr vof/k gsrq C;kt<br />
LFkkuh; <strong>psd</strong>ksa ds ekeyksa esa fu/kkZfjr le;kof/k ls foyEc gksus ij xzkgd dks foyEc vof/k ds fy, cpr cSad C;kt nj ij {kfriwfrZ dh<br />
tk;sxh A<br />
<strong>psd</strong> rFkk fy[kr ds ekxZ@Mkd esa@lek’kks/ku izfdz;k@HkqxrkudrkZ ‘kk[kk }kjk [kksus ds ekeyksa esa<br />
,sls ekeyksa esa] tgka <strong>laxzg</strong>.k gsrq Lohdkj dh x;h <strong>psd</strong>@fy[kr ekxZ esa vFkok lek’kks/ku izfdz;k ;k vnkdrkZ ‘kk[kk ij [kks x;h gks]<br />
‘kk[kk,a bl vk’k; dh lwpuk lEcfU/kr [kkrk /kkjd dks rRdky nsaxh rkfd [kkrk/kkjd lEcfU/kr <strong>psd</strong> ds vkgrkZ dks ,slh <strong>psd</strong> ds<br />
Hkqxrku jksdus gsrq lwfpr dj ldsA ,slk blfy, Hkh vko’;d gS fd lEcfU/kr [kkrk/kkjd }kjk [kks x;h <strong>psd</strong> ds lkis{k ;fn dksbZ vU;<br />
<strong>psd</strong> tkjh dh x;h gks rks vuknj.k dh fLFkfr ls cpk tk ldsA<br />
cSad] xzkgd dks vkgrkZ ls MqIyhdsV <strong>psd</strong> izkIr djus gsrq gjlEHko lg;ksx iznku djsxk rFkk <strong>psd</strong> [kksus ls gq, uqdlku dh fuEukuqlkj<br />
{kfriwfrZ djsxk %&
;fn [kks x;h <strong>psd</strong> dh lwpuk [kkrk/kkjd dks <strong>psd</strong> <strong>laxzg</strong>.k gsrq fu/kkZfjr vof/k 7@10@14 fnu ¼tSlk Hkh ekeyk gks½ ds<br />
i’pkr nh tkrh gS] rks ,slh fLFkfr esa cS ad }kjk mijksDr of.kZr njksa ls fu/kkZfjr vof/k dks NksM+dj foyEc vof/k gsrq<br />
C;kt fn;k tk;sxkA<br />
mijksDr ds vfrfjDr MqIyhdsV <strong>psd</strong> izkIr djus@mxkgh esa yxus okys lEHkkfor le; ds n`f”Vxr~ 15 fnuksa gsrq <strong>psd</strong><br />
jkf’k ij cpr [kkrksa ij ykxw C;kt nj ls C;kt fn;k tk;sxkA<br />
cSad xzkgd }kjk fd;s x;s fuEu iHzkkj dh {kfriwfrZ Hkh djsxk %&<br />
cSad@laLFkk ls MqIyhdsV <strong>psd</strong> izkIr djus ij yxus okyk izHkkjA<br />
[kks;s gq, <strong>psd</strong> gsrq [kkrs esa Stop Payment djkus ij yxus okyk izHkkjA<br />
;fn [kks x;k <strong>psd</strong> Hkquk;s x;s ekeyks ls lEcfU/kr gks] rks ,sls ekeyksa esa cSad 15 fnu dh vof/k dk C;kt olwy ugha<br />
djsxkA ;g vof/k m/kkjdrkZ dks vkgrkZ ls nwljh <strong>psd</strong> izkIr djus gsrq i;kZIr gksxhA ;fn 15 fnu dh vof/k chr tkus<br />
ds ckn Hkh m/kkjdrkZ [kkrs dks cUn djus esa foQy jgrk gS rks lafonk nj ds vuqlkj [kkrs ds iw.kZ vnk;xh frfFk rd<br />
C;kt dh olwyh dh tk;sxhA