Introduction
Aaj ke digital yug mein banking har
kisi ke liye zaruri ho chuki hai – chahe wo student ho, salaried employee ho ya
businessman. Lekin aksar log confuse ho jaate hain ki Savings Account aur
Current Account mein kya fark hota hai? Dono hi account bank dwara provide
kiye jaate hain, lekin inka purpose alag hota hai.
Is article mein hum detail mein
jaanenge:
- Savings Account kya hota hai?
- Current Account kya hota hai?
- Dono mein kya basic differences hain?
- Kis account ka use kahan aur kaise hota hai?
- Kaun sa account aapke liye sahi hai?
Chaliye shuru karte hain.
1. Savings Account Kya Hota Hai?
Savings Account ek aisa bank account hota hai jo mainly individuals
ke liye design kiya gaya hai jinka purpose hota hai paise bachaana (saving)
aur thoda interest kamaana.
Savings
Account ke Features:
- Interest milta hai:
Savings account par 2.5% – 7% tak annual interest milta hai (bank ke
hisaab se).
- Limited transactions:
Monthly withdrawal aur transaction limits hoti hain.
- Minimum balance requirement: Banks minimum ₹0 se ₹10,000 tak ka balance maintain
karne ko bol sakte hain.
- ATM/Debit Card milta hai
- Net banking & mobile banking facilities available
hoti hain
Savings
Account Kise Lena Chahiye?
- Students
- Salaried Employees
- Retired individuals
- Ghar ke grahasti sambhalne wale log
- Jo log regular savings karna chahte hain
2.
Current Account Kya Hota Hai?
Current Account mainly un logon ke liye hota hai jo regular high volume
transactions karte hain – jaise ki businesses, traders, companies ya
professionals.
- Interest nahi milta (ya bahut kam milta hai)
- Unlimited transactions allowed
- High minimum balance requirement (₹5,000 se ₹1,00,000 tak)
- Overdraft facility mil sakti hai
- Frequent fund transfers possible without limits
- Cheque book, debit card, NEFT/RTGS facilities free
Current
Account Kise Lena Chahiye?
- Businessmen
- Traders
- Corporates
- Freelancers ya consultants
- Professionals like CA, Lawyers, Doctors (jinka business
scale bada ho)
3.
Savings Account vs Current Account – Key Differences
| Feature | Savings Account | Current Account |
|---|---|---|
| Purpose | Saving aur interest kamaana | Business transactions ke liye |
| Interest Rate | 2.5% – 7% yearly | Usually no interest |
| Transaction Limit | Limited transactions allowed | Unlimited transactions |
| Minimum Balance | ₹0 – ₹10,000 | ₹5,000 – ₹1,00,000 |
| Who Should Use | Individuals | Businesses & Professionals |
| Overdraft Facility | Nahi hoti ya bahut limited | Generally available |
| Fees and Charges | Low charges | Higher charges, depends on services |
4.
Advantages of Savings Account
- Safe Investment:
Paisa secure hota hai.
- Interest milta hai:
Thoda sahi, but regular.
- Easy access:
ATM, online banking available.
- Zero balance options:
Some banks allow zero balance accounts too.
- Good for personal savings.
5.
Disadvantages of Savings Account
- Limited transactions per month.
- Interest rate fixed hoti hai (zyada nahi badhti).
- Overdraft ki facility nahi milti (ya nominal hoti hai).
6.
Advantages of Current Account
- Unlimited transactions: Koi restriction nahi.
- Overdraft facility:
Short-term funding help karta hai.
- Helps in business operations.
- Professional image banata hai clients ke saamne.
7.
Disadvantages of Current Account
- Interest nahi milta.
- High minimum balance maintain karna padta hai.
- Charges zyada ho sakte hain (monthly fees, cheque book
etc.)
8.
Account Opening Process – Savings vs Current
Savings Account ke liye Documents:
- Aadhar Card
- PAN Card
- Passport size photo
- Address Proof
- Signature
Current
Account ke liye Documents:
- PAN & Aadhar
- Business Registration Certificate
- GST Certificate (if applicable)
- Address proof of business
- Recent passport-size photos
- Authorized signatory proof (in case of firms/companies)
9.
Tax Implications
Savings
Account:
- Interest up to ₹10,000 per year (₹50,000 for senior
citizens) tax-free hota hai.
- Usse zyada interest pe tax lagta hai as per your slab.
Current
Account:
- Interest nahi milta, toh tax ka issue nahi.
- Lekin cash deposits/withdrawals agar ₹20 lakh se zyada
ho jaayein yearly, toh bank report karta hai Income Tax ko.
10.
Bank Charges – Savings vs Current Account
Savings
Account:
- Minimum balance charges
- ATM withdrawal charges after free limit
- SMS & net banking charges
Current
Account:
- Higher minimum balance penalty
- Cheque book charges
- Overdraft interest charges
- NEFT/RTGS ka charges (free bhi hota hai depending on
plan)
Dono account me net banking, UPI,
IMPS, NEFT, RTGS, debit card services milti hain. Lekin current account holders
ko business-specific tools jaise:
- Payment gateway
- Auto reconciliation
- Tally integration
- Salary payments
ye features bhi milte hain.
12.
Savings Account ka Use Kab Karein?
Agar aap:
- Regular savings karna chahte hain
- Salary earn karte hain
- Emergency fund create kar rahe hain
- Paisa secure aur accessible rakhna chahte hain
Toh Savings Account perfect
hai.
13.
Current Account ka Use Kab Karein?
Agar aap:
- Daily ya weekly transactions karte ho
- Clients se payments regularly lete ho
- Overdraft chahte ho
- GST billing aur cheques issue karte ho
Toh Current Account lena
chahiye.
14.
FAQs – Frequently Asked Questions
Q1:
Kya ek person dono account rakh sakta hai?
Haan. Aap ek Savings Account aur ek ya multiple Current Accounts
bhi rakh sakte hain (business purpose ke liye).
Q2:
Kya savings account se business chala sakte hain?
Nahi. RBI aur bank ke rules ke hisaab se business ke liye Current
Account open karna chahiye.
Q3:
Kya current account me salary aa sakti hai?
Nahi. Salary ke liye Savings Account banana chahiye.
Q4:
Kya current account me interest milta hai?
Generally nahi. Kuch banks nominal interest dete hain (0.5% – 1%).
15.
Conclusion – Kaunsa Account Aapke Liye Best Hai?
|
Dono accounts ka apna role hai.
Aapke needs ke hisaab se sahi account choose karna zaruri hai. Galat account
choose karne se aap extra charges de sakte hain ya legal complications face kar
sakte hain.
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Keywords Used in Article:
- Savings Account kya hota hai
- Current Account kya hota hai
- Difference between savings and current account in Hindi
- Savings vs current account
- Current account ke fayde
- Savings account me interest
- Business ke liye current account
- Kaunsa bank account best hai
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