India Post Payments Bank kya hai? | What is India Post Payments Bank in Hindi?
India Post Payments Bank (IPPB) ek sarkari bank hai jo Department of Posts, Ministry of Communications ke antargat kaam karta hai. Ye 2018 mein sthapit hua tha jiske uddeshya tha Bharat ke anbankit aur kam-se-kam bank khaate wale logon ko mool banking aur vittiya seva pradan karna.
IPPB ka uddeshya hai Bharat Post ki vishal network ka upyog karna, jo desh bhar mein 1.5 lakh post offices ke saath-saath hai, taki gaon aur shahar dono mein saste aur suvidhaajanak banking seva pradaan ki jaa sake. Bank bachat khate, vartamaan khate, remittance, bill payments aur mobile banking jaisi sevaayein pradaan karta hai.
IPPB ka ek mukhya udeshya vittiya saamil ho jaane ke madhyam se saamil-na-hone wali janta tak pahunchana hai. World Bank ke ek report ke anusaar, bharat mein 190 million bade log swaroopik banking sevaon tak pahunch nahi paate hain. IPPB is tareeke se iss khulaapan ko poora karne ka lakshya rakhta hai ki iss janta ko mool banking seva pradaan kare.
IPPB mein khata kholaane ke liye graahak ko koi nishchit minimum balance rakhne ki jarurat nahi hai aur koi account maintenance fees deni ki bhi zaroorat nahi hai. Yeh bank aadhaar number ko prathamik pehchan dastaavez ke roop mein bhi istemaal karne ki anumati deta hai khata kholaane ke liye. Iss se un logon ke liye yeh saral ho jaata hai jo traditional address proof ya pehchaan ka dastaavez nahi rakhte.
Bank graahakon ko darwaaze par seva pradaan karne jaise darwaaza par cash jama karna, cash nikalna aur khata khole ke jaisi sevaon ko bhi pradaan karta hai. Yeh seva khaas taur par waise logon ke liye upyukt hai jo bank branch jaane mein mushkil mahsoos karte hain jaise ki bude aur viklaang log.
IPPB ek range digital banking sevaon jaise ki mobile banking, internet banking aur UPI (Unified Payments Interface) bhi pradaan karta hai. Iss sevaon ke madhyam se graahak ko kisi bhi samay aur kisi bhi sthaan se banking sevaon ka upyog karne mein aasaani hoti hai. IPPB ne vibhinn e-commerce companies aur digital wallets ke saath saath kaam karke graahakon ko digital payments ko aasaan banane mein bhi madad ki hai.
YE BHEE PADHEN:
IPPB me Online account kaise khole?
Isske alaava mool banking sevaon ke saath-saath, IPPB ne bhi vibhinn vittiya utpaadon jaise mutual funds, insurance aur pension products ko bhi pradaan kiya hai. Iss prakriya ka uddeshya graahak ko lambey samay tak nivesh ka avsar aur vittiya suraksha pradaan karna hai.
Lekin jaise ki kisi bhidesh ki sarkari bank ki tarah, IPPB bhi kaayde ke saath kaam karta hai aur graahakon ke liye surakshit banking pradaan karne ki zimmedaari uthata hai. Bank transactions ke liye, IPPB ka app ya phir website ka upyog kiya jaa sakta hai aur inme 2-step authentication jaise OTP ke saath, graahakon ki security ko surakshit rakhne ke liye upyog kiya jaata hai.
IPPB ka safal hone ka sabse bada kaaran hai uski pohoch aur suvidhaajanak banking sevaen, jo bade shaharon se lekar chhote gaonon tak tak pahunch paati hain. Bank ke network mein 1.5 lakh post offices aur 3 lakh se zyada postman shamil hain, jo sabhi desh ke kone-kone tak jate hain aur graahakon ko suvidhaajanak banking sevaon ko pradaan karne mein madad karte hain.
Iss bank ne mool banking sevaon ke saath-saath, digital banking aur vittiya utpaadon ke saath bhi apna kaam prarambh kiya hai. Ye bank anbankit logon tak banking aur vittiya sevaon ko pahunchane ke liye puri tarah se tayyar hai aur Bharat ke logon ko kam-se-kam kharch mein suvidhaajanak banking sevaon ka upyog karne mein madad karta hai.
IPPB desh ki vittiya sahayata mein ek badi uddhaaran hai aur iss bank ke safal hone se aage ki umeed hai ki desh mein anbankit logon ko banking sevaon ke saath-saath, digital payments aur vittiya sevaon bhi pradaan kiye jaayenge.
