Bank locker mein sona: RBI ke niyam, bank ki zimmedari aur kya dhyan rakhein

Bahut se parivaar shaadi aur virasat ka sona bank locker mein rakhte hain. Par kam log jaante hain ki locker mein nuksaan hone par bank kitna zimmedar hai. RBI ne locker ke niyam badle hain; mukhya baatein yahan hain.

Bank ki zimmedari kitni hai?

RBI ke locker niyamon ke hisaab se agar bank ki laaparwahi se nuksaan ho, jaise aag, chori, imaarat girna ya bank karmchari ki dhokhadhadi, to bank ki zimmedari locker ke saalana kiraye ke 100 guna tak hoti hai. Yaani agar kiraya ₹3,000 saal hai, to adhiktam ₹3 lakh.

Prakritik aapda (bhookamp, baadh, bijli girna) ya aisi ghatna jisme bank ki galti na ho, us par bank zimmedar nahi hota.

Iska matlab kya hai?

Bank yeh nahi jaanta ki aapke locker mein kya rakha hai, isliye wo saamaan ka poora daam nahi deta. Agar locker mein ₹20 lakh ka sona hai aur kiraya ₹3,000 hai, to bank ki zimmedari kaafi kam pad sakti hai. Isliye kai log bade sone ke liye alag insurance lete hain. Dekhein: jewellery ka insurance.

Locker lene se pehle

• Bank ke saath locker agreement padhein aur uski copy lein.
• Nominee zaroor jodein, taaki baad mein parivaar ko pareshani na ho.
• Kai bank fixed deposit maangte hain; ye kitna aur kyon, likhit mein poochhein.
• Kiraya samay par bharein; lambe samay tak na bharne par bank niyam ke hisaab se locker khol sakta hai.

Locker mein rakhte waqt

• Har gehne ki photo aur bill ki copy ghar par alag rakhein.
• Ek list banayein: kaunsa gehna, kitne gram, kab rakha.
• Nami se bachane ke liye silica gel ka packet rakhein.
• Locker kholne-band karne ka record bank rakhta hai; samay-samay par khud jaakar check karein.

Ghar mein rakhein to

Ghar mein rakhe sone ke liye home insurance mein jewellery cover jod sakte hain. Ghar mein kitna sona rakhna sahi hai, iske liye CBDT ke niyam padhein.

Niyam badal sakte hain. Apne bank se latest locker niyam aur agreement zaroor lein.