Dear friends, Internet banking ek aisa facility provide karta hai jiske dwara hum internet ke madhya se kahi per bhi fund transfer kar sakte hai.Internet banking se hum same bank to same same bank aur other bank me bhi transfer kar sakte hai.Internet banking ke through fund transfer karne ke liye sabse pehle apko uss person ka account add karna padta hai jisko fund transfer karna hota hai.Jyadatar bank ke internet banking me jab aap kisi ka bank account add karte hai to kam se kam 4 hours apko approve hone me lag jaate hai.Jab tak add kiya gaya account approve nahi ho jaata hai tab tak aap usme internet banking ke dwara fund transfer nahi kar sakte ho.
Internet banking ki facility lene ke liye apko sabse pehle bank jaana hota aur wahi apko kuch form fill-up karne ke baad user id and password de diya jaata hai.Jiske baad apko internet banking ki facility mil jaati hai.
Mere pass State bank of india ka internet banking hai isliye main apko sbi internet banking se fund transfer kaise karte hai uske baare me batauga.
Fund transfer karne ke liye apko niche diye gaye instructions ko follow karna hoga : -
1) apko sabse pehle online sbi ke website www.onlinesbi.com per jaana hota hai.Uske baad aap apne internet banking user id aur password ke dwara login karte hai.
2)Login hone ke baad uper aap dekhege ki ek option hota hai jiska naam hai "payments/transfers".Diye gaye payment/transfer option ko aap click kare.
3)Iske baad apko yaha per choose karna hai ki apko kaha per fund transfer karna hai.yaha per apko kuch option milege :
a)own account : iska matlab yeh hota hai ki aap apne hi dusre associate account me fund ko transfer karna chahte hai.
b)accounts of others : Iska matlab yeh hai ki aap same bank ya same bank kisi other branch me fund transfer karna chahte hai.
c)Inter-bank beneficiary - iska matlab yeh hota hai ki aap kisi dusre bank me fund trasfer karna chahte hai.Isme state bank ke saare associate bank me include ho jaate hai.Aap yeh suppose kijiye ki mere pass Sbi ka internet banking facility hai.
4)Maan lijiye ki apko same bank ke other branche me hi fund transfer karna hai matlab sbi t sbi apko fund transfer karna hai to aap "account of other" ko click karege.
5)Yaad rakhiye jis bhi bank account me fund apko transfer karna hai wo account pehle se hi apke internet banking me add hona chahiye.tabhi aap uss account me fund transfer kar payege.Lekin main apko bata du ki kuch aise bhi bank hai jisme aap immediate fund transfer kar sakte hai bina account add kiye hue.yeh aise bank hai jo hame immediate fund transfer karne ki facility waale internet banking facility provide karti hai.Jyadatar aise facility dene waale bank private category me aate hai.
6)Apko sabse pehle apna bank account select karna hai jisme se apko fund trasfer karna hai.Uske baad apko uss beneficiary ka bank account select karna hai jisko apko fund transfer karna hai.Beneficiary ke bank account niche show karte rehte hai jisme se apko choose karna hota hai ki kisko apko fund transfer karna hai.
7)Iske baad aap fund ko yaa to immediately transfer kar sakte ho ya phir fund transfer karne ke liye schedule bhi kar sakte ho.Agar aap schedule karte ho to apke diye gaye timing per hi fund transfer ho jayega.
8)Fund trandfer hone ke baad apko transaction number milta hai jis se yeh pata chalta hai ki fund successfully transfer ho chuka hai.Yeh transaction number rakhna bahut jaruri hota hai.Agar baad me koi problem ho to aap transaction number ke dwara hi yeh bata sakte hai ki apne successfully fund transfer kar diya tha.
9)Agar aap other bank me fund transfer karna chahte hai to apko "inter-bank beneficiary" option choose karna hoga.
10)jab aap "inter-bank beneficiary" option ko choose karte hai to apko kuch option milte hai : -
a)state bank group - Iska matlab yeh hai ki apko state bank group me se kisi bank me fund transfer karna hai.
b)RTGS - Rtgs ke kuch apne term and condtion hote hai aur iska use tab kiya jaata hai jab transfer kiya jaane waala fund kaphi jayada hota hai.RTGS ke through tranfer karne per kuch jayda charge cut hota hai.RTGS ka apna timing hai jisme aap fund ko transfer kar sakte hai.Timing ke jaankari aap internet banking website se le sakte hai.
c)NEFT - Neft ke bhi kuch apne term and condtion hote hai.Jab aap NEFT se fund transfer karte ho to isme jyada commision nahi cut hota hai.NEFT ke dwara fund transfer karne ke bhi apna timing hota hai jiski jaankari apko internet banking website se mil jaayegi.
11)sabhi option ko choose karne ke baad apko apna account select karna hota hai jisme se apko fund transfer karna hai.Sath hi apko wo bank account bhi choose karna hota hai jisme apko fund transfer karna hai.
12)Ab aap immediately bhi fund trasfer kar sakte ho ya phir fund ko transfer hone ke liye schedule kar sakte ho.AGar aap Neft ya RTGS ke diye gaye timing per fund transfer nahi karte to apka fund automatically next day ke liye schedule ho jaata hai aur beneficiary ko next day hi milta hai.
Dosto main asha karta hu ki mere dwara bataye gaye instruction apko acche se samajh me aa gaye hai.Maine uper iska video bhi banaya hai.Kindly apse reqeust hai ki video jarur watch kare.
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Mr. Abhishek
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