00:00How much money you can do in bank account?
00:0250,000 rupees, 5,000,000 rupees or 50,000,000 rupees?
00:05One more question is,
00:07if you have a bank in a situation,
00:11how much money you can do?
00:13This question is important to you,
00:15because RBI has a big impact on the bank.
00:20The customers can only get 5,000 rupees.
00:25But today's video,
00:26we don't have to talk about that one bank.
00:30This is for everyone,
00:32who has a savings account,
00:34current account, fixed deposit,
00:36or FD.
00:37Because when you talk about bank,
00:40the biggest question is no return.
00:43The biggest question is about safety.
00:45First, let's talk quickly about what happened.
00:50The RBI has some restrictions on the bank.
00:53The most important thing is,
00:55that the bank account will have maximum 5,000 rupees.
00:59This is the limit savings current,
01:01and the other accounts will be lost.
01:04The restrictions will be lost.
01:06These restrictions will be lost in October 2026,
01:08and in the beginning of 6 months.
01:10The RBI will have new loans,
01:13new investments,
01:14new liabilities,
01:15and assets transfer.
01:42So,
01:42they'll be lost.
01:42Exactly.
01:42But the lesson is here and it is very important to you, that it is not just a bank, because
01:51we think that the bank is safe, but the bank is also a business.
01:57It is also a business that has deposits, loans, investments and interests.
02:02It is also a business that we have to return to the bank, when the bank loans don't come, investments
02:10are lost, or the liquidity is managed.
02:13It is also a business that has to be able to get the cash from the bank.
02:17This is why the bank is a bank, and when the bank is a bank, the bank is a bank.
02:31limits
02:32limits
02:32limits
02:35RBI
02:36Prompt Corrective Action Framework
02:38is also
02:38the same
02:38which
02:40step by step
02:41action
02:42takes
02:43big question
02:45RBI
02:46RBI
02:46RBI
02:46RBI
02:46RBI
02:49RBI
02:50RBI
02:50RBI
02:50RBI
02:50RBI
03:01RBI
03:01Bank Run
03:02,
03:02n
03:02,
03:03cash
03:03own
03:03investments
03:03,
03:06A
03:08is
03:13by
03:14K
03:14P
03:15To
03:30Amb
03:30of the deposit insurance in bharat may d icgc deposit insurance and credit guarantee
03:37corporation bank deposits insurance company icgc rbic subsidiary is cover commercial banks
03:44regional rural banks local area banks or cooperative banks sabhi parla go
03:48abhi ka insurance limit hai 5 lakh rupay prati depositor prati bank principle or interest
03:55dono shamil hai yani agar aapke paas kisi eak bank me savings account current account recurring
04:00or fd sum milakar 5 lakh rupay ya usse kam hai to go raqam d icgc insurance cover mein
04:06ati leakin yaa tino baathe bhoat zori pehli ye limit per bank hai per account yani eki bank
04:13ke alag-alag branches mein aapke jitne bhi accounts ho sabka total milakar 5 lakh rupay
04:19takhi insurance cover me lega dusri agar aapke paas alag-alag banko mein peysa hai toh
04:24har bank ke liye 5 lakh rupay ka cover alag-alag marita hai
04:27tisri agar aapke paas ekhi bank me 10 lakh rupay hai toh insurance cover
04:31paas sif 5 lakh rupay takki limit hai baqi ke 5 lakh rupay aapko alag se uske baare
04:36ma suchna pade baathe bhoat loog suchte hai ki fd safe hai fixed deposit is lihe badehi
04:41rakam fd me ndal daate hai fixed deposit waakai safe instrument hai lekin
04:45uske safety bhi us banki financial health se juri hooti hai jis mei woh hai
04:49maan lije aapke paas ekhi bank me 3 lakh rupay ka savings balance or 4 lakh rupay ki fd
04:54kul jamah hui 7 lakh rupay ki rashi is mei dic jc insurance cover sif 5 lakh rupay
05:00tuk ka milega baqi ki 2 lakh rupay insurance limit se baar hai is lihe badehi fd
05:04banane se pehle ye check kare lehi ki us bank me aapke kul jamah kitni hai savings plus current
05:08plus fde plus recurring kyunki insurance limit aapke sabhi deposits ko mila ka dhe
05:13hai alag-alag nahi abh eek or zoruri baat sabhi bank eek jiasse nahi hootay aapke
05:18paas commercial banks hootay hai jiasse large private banks or public sector banks
05:22phir small finance banks, payment banks, regional rural banks or cooperative banks hootay hai
05:26the icgc insurance in sab par lagu hai lیکin har bank ka business model, governance
05:31or risk profile alag hootay hai
05:33cooperative banks aksa local level pere kama kaartay hai
05:36aur unki lending, governance or recovery systems bade bank se alag hootay hai
05:40iska matlab yye nahi hai ki har cooperative bank kharab hai
05:43lekin iska matlab yye hai ki badehi rakam rakhne se pehle
05:46aapko bank ki financial health ko zyada dhyaan se dhekna chahi hai
05:50bank chunti samayi sif ye mat poochye kitna interest mil ega
05:54ye bhi poochye ki bank kitna stable hai
05:57aur uski deposit kaisi chal rahi hai
05:59aur uspar RBI ke koji restrictions to nahi hai
06:02ab aatiya eek practical si advice
06:04sunta jayye ka bhoot kama ki hai
06:06aaj video dhekne ke baad 5 kama aapko karne hai
06:09zarur kar lije ga
06:10pehla
06:10aapne sabhi bank accounts ki list banayye
06:13konsa bank, konsa account
06:14aur kitna balance
06:15dousra, her bank me aapki kul jamah nikaal ye
06:18kul savings, current, fd, recurring deposit
06:21sabkuch mila ke kitna amount bantah hai
06:23tisra, check karein ki kisii ek bank me aapki jamah
06:275 lakh rupay se zyada to nahi hai
06:28agar hai to usse diversify karne ke baare me souch lije
06:31codha, badehi rakam ko sirf ek bank me na rakhye
06:35alag-alag banks me rakhne se har bank ke liye
06:375 lakh rupay ka insurance cover alag-alag milega
06:395. bank ke official communication
06:41aur RBI ke notifications
06:43pa nazah rakhye
06:44kisii afwaa pere panic me fesla mat lije ga
06:47fiduciary bank ki cover ek reminder
06:49ki bank account safe hona
06:50zaruri hai, lékin utna hii zaruri hai
06:52ye jana na ki aapka kitna paise insured hai
06:545 lakh rupay ta ki DICGC cover
07:20har depositor ke liye har bank me alag-alag milgi hai
