Online banking

Online banking kya hai aur kaise use kare?

यह पोस्ट हाल ही में अपडेट की गयी है : June 10th, 2020

Online banking jise generally internet banking, e-banking ke naam se bhi jaana jata hai. Yeh service kisi bank ya financial institutions ke dwara customers ko di jati hai.
Customers us bank ki secured encrypted website pe user ID aur password or login credentials jo bank ke dwara customer ko di jati hai unse login aur lenden kar sakte hai.Online banking facility bank ke core banking system ke sath

connect hoti hai jo surkhsit tarike se internet ke jriye computer ya mobile device me apne account ko access karne ki facility pradan karta hai.

Is facility
ka istemal karke us particular bank ke customers apne account balance ko dekh sakte hai or sabhi tarah ke transaction kar sakte hai. Bharat sarkar ne jab se notbandi ka faisla liya hai tabse cash ki demand badh gayi hai aise me online banking kargar sabit hogi.

Indian govt. cashless transaction ko badhawa de rhi hai. Isliye ye bat  to tay hai ki online banking facility ka upyog badhega.

Online banking se kya- kya fayde hai?

online banking ke fayde
Image Source : Pixabay
1. Online banking se hum account balance check kar sakte hai.
2.
Purane transaction ka e- statements jan sakte hai.
3. Mobile, DTH, Data card ko recharge kar sakte hai.
4. Kisi bhi E-commerce site se jaise ebay, flipkart, Amazon se shopping kar
sakte hai.
5. Blogger, freelancers online banking ke dwara kisi service ka bhugtan kar sakte hai.
6. Is facility ke dwara electricity or utility bill pay kar sakte hai.
7. Kisi insurance aur financial loan ki installments jama kar sakte hai.
8. Is facility ko access karke hum apne khate ko update kar sakte hai aur ATM pin bhi badal sakte hai.
9. Iske dwara hum
apne bank account se other account me paise transfer kar sakte hai.

Online banking facility use karne ke liye kya- kya chahiye.

Is facility ko avail karne ke liye hume nimn kuch chijon ki jarurt padti hai.

1. ATM card ( debit/credit) aur ATM pin no.
2. Registered mobile no. Jise humne already bank me register karwaya hai.
3. Bank account no. aur IFSC code.
4. Internet facility
5. Internet accessible device ( Mobile, Computer)

Online banking facility ko kaise istemal kare.

use of net banking
Jab hum kisi bhi bank jaise PNB, SBIBank Of Baroda, Axis bank etc me account open karte hai to bank hume bahut sari suvidhaye deta hai jaise ki bank account,  ATM card, cheque book, Internet banking, Mobile banking.
Kuch banks hume pre activated net banking facility deti hai to kuch banks me hume ise activate karwana padta hai.
Aap jis bank me account khulwate hai tab aapko bank net banking access karne ke liye User ID aur Password provide karti hai jabki kuch banks se hume direct ye facility nhi milti iske liye hume bank ki website pe jake new registration karna padta hai.
Kai banks me to net banking suvidha ke liye apply karne ke liye form fill karna bhi padta hai.
Agr aapke pas ATM card details aur registered mobile number hai to aap ise khud hi chalu kar sakte hai PNB net banking ke new registration ke liye steps follow kare.
pnb internet banking
1. Punjab national bank ki online banking facility chalu karne ke liye authorised encrypted website pe jaye. is link pe click kare – https://netpnb.com/
2. Retail User pe click karenge to window khulegi jahan se New User pe click kare.
3. Ab apna account no. enter karen aur option choose kare Internet or Mobile banking aur verify karenge to aapke pas OTP ( one time password) aayega. Ise enter kare aur continue kare.
3. Ab ATM card ke upar jo 16 digits hai wo dale aur 4 digits ATM pin no. dale aur submit kare.
4. Ab yeh aap se apni choice ka login password dene ke liye bolega 8 digits me login password dale jisme symbol aur special characters bhi hone chahiye.
5. Same way me apni choice ka transaction password dale Registe ke button pe click kare. apke samne message flash hoga ki aapki IBS facility process me hai aur 24-48 hours me activate ho jayegi.
Internet banking ko hum apne Computer / Laptop pe access kar sakte hai ya iske alawa respective Bank ki app download karke bhi ise istemal kar sakte hai.

Also read : Kitabo se dosti hai faydemand.

Internet banking ko kaise secure kare?

Net banking ke jitne fayde hai agar sawdhani purvak istemal na kiya jaye to nuksan bhi bahut jyada hai.
In dino online fraud badhte jaa rahe hai isliye hume ye sunischit kar lena chahiye ki hum safe tarike se to online transactions to kar rahe hai taki apne bank account ko secure rakh sake.
safe online banking
Bank account aur online transaction ko safe rakhne ke liye hume kuch bato ko dhyan me rakhna chahiye jaise ki.
1. Jis computer ya laptop me aap net banking ka use kar rahe haj use virus free rakhe iske liye achi quality ka antivirus install kare kyunki viruses jaise malware, trojan horse etc apki device se sabhi data hackers ko transfer karte hai. Isse hackers asani se aapki banking details hack kar lenge.
2. Ye bhi ensure kare ki aap online banking kar rahe hai to aap bank ki sahi website pe hai ya nahi.
Jaise ki www.netpnb.com ye punjab national bank ki authorised website hai aur ye kuch fake website kuch aise bhi ho sakti hai jaise ki ww2.netpnb.com ya fir www.natpnb.com.
Inme thoda sa difference hota hai jo jaldi se hume pta nhi chalta hai aur hum galat site pe apni login details enter kar dete hai aur hamara bank account hack ho sakta hai.
Isliye tasali se confirm kar le ki hum sahi website pe to login karne ja rahe hai na.
3. online banking use karte waqt site pe hi virtual keyboard hota hai uska istemal kare isse aap jo input dalenge wo safely insert honge.  Kabhi kabhi keylogger ke dwara bhi login details ko hack kiya ja sakta hai.
4. Cyber cafe ya ki public places computer pe online transactions na kare. Ho sake to apna computer hi istemal kare. Agr aap bahar ho aur aapko online transactions karne hai to aap us bank ka App download karke net banking suvidha ko istemal kar sakte hai.
5. Kisi open wifi network se pc, laptop or mobile ko connect karke kabhi transaction na kare kyunki aise open wifi network isliye bhi chhode jate hai taki log secret details, login passwords ko hack kar sake.
6. Hamesa separate browser me hi net banking suvidha ka istemal kare. Iske liye chrome me ctrl+shift+n ka istemal karke incognito mode me ise use kiya ja sakta hai.
7. Online banking details ko gupt rakhe agar ise write down karke rakhte hai to ise secret jgh pe rakhe kyunki ye kisi ke pas hona aapka nuksan pka hai.
8. Kisi lottery ya inam jaise mail aur call aane par aapse personal information puchi jati hai aise mails aur calls ka kabhi reply na kare.
Agr aap apni aisi personal info. kisi ke sath share karenge to aap kaa bank account hack hona sambhav hai.
9. Agar aap mobile phone me net banking use karte hai to apna mobile kabhi kisi ke sath share na kare. Hamesa apne phone ko password protected rakhe taki koi iska galat istemal na kar paye.
10. Iske dwara transaction karne ke bad hamesa log out jrur kare.
11. Bank account open karte waqt apna personal mobile no. email address ko bank me harur registe karaye. Jisse aapko apne account ke har transaction ki details aur login activities ki information milti rahegi.
12. ATM card kho jaane par bank ke customer care executive ko phone karke ise turnt block karaye.
13. Account ke sath unusual activity hone par iski suchna immediately bank ko di jani chahiye taki aapka account fraud hone se protect kar sake.
Aaj is note demonetization ke time me online banking yani swayam ka khata swayam ke haath me ye bahut badi technology ki hi den hai.
Ise agar hum safely use karenge to hamare liye har kaam aasaan ho jayenge.  Agr iska use karte waqt agar sawdhani nhi barti jaye to aapki mehnat ki punji kisi aur ke hathon me chali jayegi isliye hume apne bank account ko safe rakhna bahut jaruri hai.
Ab apne phone me hi online banking app ko download karke ise apna e- wallet bna sakte hai taki har waqt cash ke jhanjhat se mukti mile.
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2 Comments

  1. webrupees November 20, 2018
  2. Abid Khan February 13, 2019

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