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Financial Literacy Project

Financial Literacy Project. pus dh b'V feU[ j?. nukBe nkJ/ you/ fit/A fpwkoh, jkd;/, w's, ftgsk Bz{ g{ok eoB bJh. fB:fws nkwdB Bkb Bk yohdh ik ;eD tkbh uhi bJh. p[Ykg/ ftZu iK ewkT[D :'r BK ofjD dh jkbs ftZu nkgDh iao{osK g{ohnK eoB bJh.

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Financial Literacy Project

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  1. Financial Literacy Project

  2. pus dh b'V feU[ j?. • nukBe nkJ/ you/ fit/A fpwkoh, jkd;/, w's, ftgsk Bz{ g{ok eoB bJh • fB:fws nkwdB Bkb Bk yohdh ik ;eD tkbh uhi bJh • p[Ykg/ ftZu iK ewkT[D :'r BK ofjD dh jkbs ftZu nkgDh iao{osK g{ohnK eoB bJh • nkgDk xo yohdD,T[Zu f;fynk tor/ tv/ you/ Bz{ g{ok eoB bJh p?Ae ftZu puZs feT[A eoBh ukjhdh j?. d

  3. nkgD/ rqkje Bz{ ikD'(KYC) c'N'rqkc gk;g'oN vokJhftzr bkJh;?A; wBo/rk nkXko ekov PAN ekov t'No ID ekov e'Jh nfXekfoe d;skt/ia BK j'D d/ wkwb/ ftZu “S'N/ yks/” -- jkb jh dh c'N' ns/ p?Ae nfXekoh dh ਮੌਜੂਦਗੀ ftZu d;sys iK nzr{mk bk e/ e[M ;aosK Bkb S'N/ yks/ y'b/ ik ;ed/ jB. Bkpkfbe ykfsnK ftZu 18 ;kb dk j'D s/ jkbhnk KYC d;skt/ia iwKQ eotkJ/ ik ;ed/ jB.

  4. yks/ dh fe;wK • p?Ae pus yksk • nk;kBh Bkb g?;/ iwKAeotkT[D iK eYtkT[D dh ;[ftXk • rqkjeK Bz{ gk;p[e, u?e p{e ns/ J/HNhHn?w^ew^v?fpN ekov fdZs/ iKd/ jB. • iwKQ oew s/ ftnki fwbdk j?. • ukb{ yksk • fJj yksk cow iK ezgBh d/ BK s/ y'fbnkiKdk j?. • b?D d/D dh ;zfynk dh e'Jh ;hwk BjhA. • fJjBK ykfsnK s/ p?Ae d[nkok e'Jh ftnki BjhA fdskiKdk. • fFwnkdh iwKQ iK fce;v fvgkfiaN • Now fvgkfiaN 7 fdB s'A 10 ;kb d/ fB;afus ;w/A bJh j[zd/ jB.. • p?Ae Now fvgkfiaN s/ fiankdkftnkiafdzd/ jB. • ftnkiagqshwjhBk$fswkjhnzsokb iK ;kokfJZemkeYtkfJnk ik ;edk j?/.. • nktosh(o?efozr) fvgkfiaNyksk • fJe fB;afus ;w/A bJh g?;/ dh nktosh fvgkfiaN. • nktosh yks/ ftZu puZs yks/ Bkb'A tZX ftnki fwbdk j?. • fwnkd g{oh j'D s/ iK ;w/A s'A gfjbK yksk pzd j'D s/ g?;/ eYtkT[D dh fJiakis. • S'N/ yks/ • ‘S'N/ yks/’ jkb jh dh c'N' ns/ d;sys iK p?Ae nfXekoh dh ਮੌਜੂਦਗੀ ftZu nzr{mk bk e/ 12 wjhfBnK bJh y[btkfJnk ik ;edk j?.ns/ 12 wjhfBnK ftZu fe;/ th ;w/A yks/ ftZu oew 50,000$^ o[gJ/ s'AA tZX BjhA j'Dh ukjhdh. • p/f;e ;/ftzr p?Ae fvgkfiaN neKT[N • e'Jh fwBhwwp?b?A; oZyD dh b'V BjhA. • v?fpN ekov dh ;[ftXk • 10 ;kb s'AA tZX T[wo dk e'Jh th ftnesh fJj yksk y[btk ;edk j?.

  5. p?fezr;/tktK • p?Ae ;kv/ g?;/ Bz{ ;[oZfyns, S/sh ns/ e[;absk Bkb fJe EK s'A d{ih EK ns/ fJe ftnesh s'AA d{i/ ftnesh sZe gj[zukT[dk j?. • fJj fe;/ th p?Ae ;akyk s/ iK p?Ae fwZso d[nkok wkJheo', ATM, fJzNoB?N p?fezr, w'pkfJb p?fezr, NEFT ns/ RTGS okjhA ehsk ik ;edk j?. • w'pkfJb p?fezr g?;k G/iDk (ohfwN?A;) • fe;/ th ATM s'AA g?;k eYtkT[D ns/ PoSw;ahBK s/ fpBKBedh yohdkoh d/ G[rskB bJh. • ATM ftu'AA g?;/ eYtkT[D bJh iK Pos NoK;?e;aB eoB ;w/A go;BbnkJhvzfNfce/;aBBzpo (PIN) tofsnkiKdk j?/. • PIN ;w/A ;w/A Bkb pdbb?Dkukjhdk j? ns/ ed/ th fe;/ Bkb ;KMk BjhA eoBkukjhdk. • nBgVQ rqkjeK Bz{ th ATM ekov ikoh ehsk ik ;edk j?. • RuPay Debit Card (o[gJ/ v?fpN ekov), 1 bZy o[gJ/ dh d[oxNBKphwk Bkb nzso^fBofws, NPCI d[nkok ;a[o{ ehsk frnk xo/b{ v?fpN ekov j?. ATM ekov . • NEFT/ RTGS, , IMPS ns/ fpZb dk G[rskB w'pkfJb p?fezr okjhA

  6. p?fezr ;/tktK • fJzNoB?N p?fezr eoiak • TtovokcN • g?B;aB • p?Ae xo, eko, xo?b{ uhiK yohdD ns/ f;Zfynknkfd bJh eoia/ w[ZjJhnkeokT[Adk j?. • y/shpkVh, tgko, T[d:'r ns/ ;oft; ;?eNo tor/ nkofEeezwK bJh th eoia/ fdZs/ iKd/ jB. • i{J/ tor/ r?oekBz{Bhezw bJh eoiak w[jZJhnk BjhA eotkJhnkiKdk. • ;kj{eko d/ w[ekpb/, p?Ae eoia/ s/ ftnkia dh do pj[s jh xZN j?. • fJe gqeko dk fJb?eNokfBe G[rskB f;;Nw j?. • fJj czv NoK;co, fpb G[rskB, yks/ d/ g[ZS frZS, fNeN p[fezr ns/ nkBbkJhB yohdkoh dh ;j{bsK w[ZjJhnk eokT[Adh j?. nNbg?B;aB :'iBknXhB (18 s'A 40 ;kb T[wo) 1000 s'AA 5000 gqshwjhBkfB;afusg?B;aB. fJe wzi{o;a[dk ;hwk sZe, yks/ s'A tZX g?;/ eYtkT[D dh ;j{bs. .

  7. ;wkfie ;[oZfynk :'iBKtK gqXkB wzsoh iB XB :'iBk • gqXkB wzsoh iB XB :'iBk 28 nr;s 2014 B{z wkB:'r gqXkB wzsoh d[nkok ;a[o{ ehshrJh. • fJ; :'iBk dk T[d/;a jo fJe g/Av[ ns/ ;afjohgfotko B{z p?Ae yksk y'b e/ ftsh ;/tktK nk;kBh Bkb ns/ ;G irk T[[[[[[[[[gbpXeokT[Dk j?. • 10 ;kb s' tZX T[wo dk e'Jh th ftnesh fe;/ th p?Ae ftu yksk y[btk ;edk j?. • jo fJe yksk Xkoe B{z w[csftu 1,00000$^ o[gJ/ d/ d[oxNBKeto Bkb o[gJ/ v?fpN ekov gqkgsj'Dr/. • d[oxNBkphwketo dk bkGb?D bJh, o[gJ/ v?fpN ekov B{z jo 45 fdBftuxZN' xZN fJe tkotosDkio{oh j?. • 6 wjhB/ se yks/ d/ s;Zbhpy;aubD s' pknd fJe gfotkoftu fJe ykskXkoe B{z 5,000$^ o[gJ/ dh TtovokcN ;[ftXk. gqXkB wzsoh ;[oZfynk phwk :'iBk • ghn?wn?;phtkJh, d[oxNBkphwk :'iBk sfjs d[oxNBkth w's iK ftebKrsk dh ;fEshftuykskXkoeK bJh 2 bZy o[gJ/ se dk phwketo. • 18 sA'70 ;kb dh T[wo d/ ;ko/ pus p?Ae ykskXkoe 12 o[gJ/ ;bkBkgqhfw:w(jo/e ;kb BtheoD :'r) Bkb :'iBk ftu ;akfwb j'D d/ jedko jB. gqXkB wzsoh ihtBI'shphwk :'iBk • fJ; :'iBk sfjs fe;/ th ekoB w's j'D s/ 2 bZy o[gJ/ se dk ihtBphwketo. • P?Ae ;akyktK$p?Ae fwZso okjhA T[gbZpX. • 18 s'A 50 ;kb dh T[wo d/ ;ko/ pus ykskXkoe ;akfwb j'D d/ jedko. • 330$^ o[gJ/ ;bkBkgqhfw:w(jo ;kb BthAeoD :'r) + ;oft; ukoigqsh ftnesh.

  8. gqXkBwzsoh w[dok :'iBk (ghan?wan?watkJha) • wkB:'rgqXkBwzsoh d[nkokGkos d/ bx{ T[d:'r ftek; p?Ae (f;vph) d/ fJe ;jkfJe d/ s"o s/ 08a04a2015 B{z gqXkBwzsoh w[dok :'iBk ô[o{ ehshrJh. • B'B ekog'o/N ;wkbfp÷B; ;?eNo B{z o;whs"o s/ (n?B;han?;aphan?;a) ftZsh ;/tktK w[jJhnkeotkT[D bJh. • noEtt;Ek d/ nDS{J/ y/so fit/A T[sgkdBeoBtkbhS'NhfJekJhnK, d[ekBdko, cb ns/ ;pih t/uDtkb/, NoZe ns/ N?e;hukbe, ykDghD dh ;[ftXk w[jJhnKeokDtkbhfJekJh, w[owZseoBtkbh d[ekBK, S'N/ T[d:'r, c{v gq';?;o, c/oh tkb/ ns/ nfij/ j'oeJhnK B{z p?AeftZsb?DbJhgq's;kfjseoBk ns/ p?AeftZs :ehBhpBkT[Dk. gqL eh s[;hAikDd/ j' feseBhehrq?i{J/N th w[dok d/ sfjseo÷ b? ;ed/ jB< T[L tgko dh fe;w ns/ gqkZi?eN dh b"V d/ nkXko s/ fB:wnB[;ko s[;hA w[dok d/ fe;/ theo÷ d/D tkbh ;z;Eks'AftZs b? ;ed/ j'.

  9. eo÷ dhnKfe;wK • fe;/ iwkBsiKwkoNr/÷ dh b"VBjhA • fôô{ eo÷ bJhe'Jhgq';/f;zrch; iKwkofiBwBh dh b'VBjhA ghan?wan?watkJhaeo÷ fet/A fbskZik ;edk j?. ;jheko'pkohftuko Proper Business Idea b'Bn?gbhe/ôB Loan Application Public/ Private Sector Commercial Bank, RRB or Co-operative Bank ;oekoh $fBZih y/so tgkoep?Ae$ y/sohrqkwhDp?AeiK ;fjekohp?Ae Borrowers eo÷dko Sanction/ Disbursement of Loan eo÷/ dh wzi{oh $ tzv Execution of Loan Documents Due processing of Loan Application b'Bn?gbhe/ôB s/ ekotkJh eo÷ d;skt/÷K B{z d;syseoBk tX/o/ ikDekohbJhfe;/ thB÷dhehp?AeôkykBkb ;zgoeeo' iKwww.mudra.org.ins/ bkZrfJBeo'.

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