Bank Mein Debit Aur Credit Ka Meaning Kya Hota Hai in Hindi

Bank mein debit aur credit ka meaning samajhna jaroori hai.

• Debit debited meaning in a bank in hindi: Jab aap apne bank account se paise nikalte hain, tab yeh debit hota hai. Debit ka matlab hota hai ki aap apne account se paise nikal rahe hain. Isse aapke account mein rahne wale paise kam ho jate hain. Jab aap ATM se paise nikalte hain, cheque likhte hain, ya online shopping karte hain, tab aap debit ka istemal karte hain.
• Credit meaning in a bank in hindi: Jab aapke account mein paise jama hote hain, tab yeh credit hota hai. Credit ka arth hota hai ki aapke account mein paise jama ho rahe hain. Isse aapke account mein rupaye badh jate hain. Jab aap kisi ko paise bhejte hain, kisi ne aapko paise bheje, ya aapka bank interest dena shuru karta hai, tab aap credit ka upayog karte hain.

Is tarah se, debit aur credit dono ka istemal aapke bank account ke paise ke aane aur jane ko darust tarike se darust tarike se samajhne mein madad karte hain. Isse aap apne bank transactions ko sahi tarike se manage kar sakte hain aur kisi bhi galat fehmi se bach sakte hain.

Credit or Debit Ka Matlab – Aur Dono Me Antar

Bank khate se debit hone ka matlab hota hai ki aapke khate se paise kat gaye hain. Iska ulta, bank khate se credit hone ka matlab hota hai ki itni rashi khate mein daali gayi hai. Is concept ko samajhne ke liye, hum kuch examples se isey samjhte hain.

Udaharan 1: Neeche image mein dikh rahe message mein jankari hai ki aapka bank khata sankhya XXXXXX3518 mein se 4 hajaar rupaye debit (kat) gaye hain. Aur in rashi ko VPA 6306884703 se link bank khate mein daala (credit) gaya hai.

VPA ek aapke UPI se bhugtan ya payment karne ke liye banaya gaya Virtual Payment Address hai. Iska kaam email ID ki tarah hota hai, aur ye UPI service provider company ke dwara di gayi payment ID hoti hai jisse paise transfer kiye jate hain.

Udaharan 2: Neeche di gayi image mein SMS se jankari milti hai ki UPI bhugtan ke dwara grahak ke diye bank khate (…3518) mein 200 rupaye jama (credit) ho gaye hain.

Credit card aur Debit card dono ka istemal transactions ke liye hota hai. Debit card se aap apne bank khate se paise nikal sakte hain, jabki credit card ka istemal aapke credit limit ke andar kar sakte hain. Aapko credit card ki limit ka pata rakhna zaroori hai aur samay par paisa wapas karna hoga taaki aapko koi dand na dena pade.

Debit, Credit, aur Transfer shabdon ka istemal transactions ko sahi dhang se samajhne ke liye hota hai aur yeh aapke bank account ki sthiti ko sahi tarike se manage karne mein madad karta hai.

Paise Nikasi Mein Debit, Transfer Aur Viddra Ate Hain.

Credit aur debit kuch avasar par aapko bank se mile SMS mein debit ke sthan par transfer aur viddra term bhi dekhne ko milti hai. Seedhe hi ATM machine se paise nikalne par ye teeno shabd prayog mein aate hain. Lekin isme chinta ki koi baat nahi hai kyun ki ye teeno shabd khate se paise katne par hi istemal hote hain.

Debit Card Ki Jaankari (Credit Aur Debit)

Bank ki shabdonwali mein kisi account se paise ki nikasi ko debit kehte hain. Jab bhi grahak apne bank account se paise ki nikasi karta hai to use apne phone par bahut tarah ke messages milte hain.

Grahak apne card se kisi ATM mein jakar nakdi ki nikasi karta hai to use debit message milta hai. Saath hi anya kisi platform se paise nikalne par bhi debit message prapt hota hai. Aise bank dwara diya gaya debit card grahak ko card se link bank account se nakdi ki nikasi, kharchne aur transfer karne ki suvidha deta hai.

Samanya sthitiyon mein ek debit card dhark bank account mein balance ke jitna hi paise kharch kar sakta hai. Lekin kuch vishes varg ke salary aur business khato mein overdraft ki bhi suvidha milti hai.

Jin grahako ke paas overdraft ki suvidha hoti hai wo ek nishchit seema tak bank khate se paise kharch kar sakte hain ya bhugtan kar sakte hain. Lekin overdraft money ko grahak ne ek samay seema ke bhitar hi return ya jama karna hai. Bahut si kampaniyon debit card par ‘debit card EMI’ ka labh bhi deti hai.

Credit Card Ki Jaankari

Saral bhasha mein samjhaya jaaye to credit card vah card hai jiske madhyam se grahak ko paise kharchne ke baad paise chukane hain. Is prakar se grahak ko ek khaas seema ki ‘Line of Credit’ milti hai. Line of credit mein se purv mein hi kuch rashi daal di jaati hai.

Isme se jitna bhag grahak prayog kar leta hai use ek nishchit time period ke andar hi (adhikatam 50 din mein) vaapis karna hota hai. Yadi sahi samay par paise ko vaapis na kiya jaaye to grahak ko kuch dand dena hota hai. Isme dhyan rakhne waali baat yeh hai ki credit card mein arth dand aur byaaj ki matra adhik hi rahti hai. Credit card ka salana byaaj 40 pratishat tak hota hai.

Credit card ke jis paiso ko aapne istemal nahin kiya hai wo aapke card mein ‘Line of Credit’ ki tarah hi deposit rahta hai. Is rashi par koi byaaj athava charge nahin dena hota hai. Lekin kuch credit cards mein 500 se 1,000 rupee tak shulk dena pad sakta hai aur kuch cards mein yah shulk nahin lagu rahta hai.

Credit card ki seema se kuch pratishat bhag hi (lagbhag 30% tak) nakad ke roop mein nikalne ki suvidha rahti hai. Jaise grahak ke credit card ki seema 1 lakh rakhi gayi hai to vah 30 hajaar rupee tak cash ki nikasi kar sakta hai.

Adhiktar kampaniyon ki or se grahak ko ‘credit card EMI’ ka labh milta hai. Iske antargat grahak card se shopping kar lene ke baad saman kistom mein is rashi ko ada kar sakte hain. Bank grahak apne balance ki rashi aadhar number se jaan sakte hain.

Double Bookkeeping Mein Debit Aur Credit Card Ki Jaankari

Credit aur debit – Business accounts mein double entry system ke bookkeeping system mein debit aur credit ke arth aur karya bank khato ke debit aur credit se bahut bhinn hote hain. Isme vyapar ke lene-dene ko grahak ke khato ledgers mein debit aur credit ke columns mein likha jaata hai.

Srot khate Matlab jis khate se paise nikal rahe hain usko daayi taraf credit column mein jagah milti hai. Gantavya khate mein matlab jis khate mein paisa jama ho raha hai usko baayi taraf ke debit column mein jagah deni hoti hai.

• Vastutah prakar ke system mein khate ke baayi taraf yani debit column mein un entries ko jagah dete hain jisse khataadhark ke assets khate athava kharch khate mein vriddhi hoti hai. Iske atirikt Liability Account/ Equity Account mein kami kar deta hai.
• Is sthiti ke viparit daayi side mein credit column mein un entries ko jagah milti hai jisse grahak ke Liability Account/ Equity Account mein badhotri hoti hai. Iske saath hi Asset Account/ Expense Account mein kami hoti hai.

Koi vyakti apne vyapaar mein 50 hajaar rupaye ka nivesh karta hai. Ismein vyakti ka source account uska Owner Equity Account hoga. Owner Equity Account mein is rashi ko daayi or yani credit ke column mein jagah deni hai. Ismein gantavya account us vyakti ka bank khata hota hai. Aise bank khate ke neeche baayi taraf debit column mein 50 hajaar rupaye ki entry hogi.

Aise yeh transaction khate ke dono column mein darj hoti hai, atah isko ‘double entry bookkeeping’ ke naam se jaante hain. Aise har len-den ko dono hi column mein jagah di jaati hai. Is karan se debit aur credit ka yog har samay ek jaisa hi hota hai. Is ghatna ko ‘balance the book’ ke naam se jaante hain.