Current Account kya hota hai?
Current Account
Definition
Current account bank mein aik qisam ka account hai jismein aap kabhi bhi paise jama ya nikaal sakte hain, lekin is par koi munafa nahi milta.
Is concept ko aur behtar samajhne ke liye Fixed Deposit bhi dekhein.
Current account aik non-interest bearing bank account hai jo daily transactions ke liye design kiya gaya hai.
Quick Facts
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- Current account mein transactions ki koi had nahi hoti, isliye daily kaa...
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Quick Summary
| Definition | Current account bank mein aik qisam ka account hai jismein aap kabhi bhi paise jama ya nikaal sakte hain, lekin is par koi munafa nahi milta. |
|---|---|
| How it helps | Current account mein transactions ki koi had nahi hoti, isliye daily kaam ke liye behtar hai. |
| Example | Kaarobaar log zyada tar current account istemal karte hain kyunke unhein rozana paise lene dene ki zaroorat hoti hai. |
| Related terms | 6 linked topics |
How It Works
Yeh kya hai?
Current account aik deposit account hai jismein aap jitni martaba chahein paise jama aur nikaal sakte hain. Is par koi profit nahi milta, balke kuch banks monthly charges lete hain. Ye account un logon ke liye hai jinhein rozana paise lene dene ki zaroorat hoti hai, khaas tor par kaarobaar log.
Rozmarra Asar
Agar aap kaam karti hain ya kaarobaar karte hain, toh current account aapki zaroorat poori kar sakta hai. Ismein aap jitni martaba chahein paise nikaal sakte hain, suppliers ko Cheque de sakte hain, aur online transactions kar sakte hain. Agar aam admi hain aur bachat karna chahte hain, toh Savings Account behtar hai.
Islamic Banking Mein
Islamic banking mein current account ko Qard-e-Hasana kehlata hai. Bank aapke paise ko amanat tor par rakhta hai aur koi profit nahi deta. Bank in paison ko apne khatar mein istemal kar sakta hai lekin munafa aapko nahi diya jata.
Misal
Kaarobaar log zyada tar current account istemal karte hain kyunke unhein rozana paise lene dene ki zaroorat hoti hai.
Aksar pooche gaye sawalat
Current Account kya hota hai?
Current Account aik bank account hota hai jo frequent transactions ke liye hota hai. Is ka focus day-to-day cash flow hai aur is par aam tor par interest/profit nahi milta.
Current Account par interest milta hai?
Aam tor par Current Account par interest nahi milta, jabke Savings Account par interest/profit diya jata hai. Isi liye current account business usage ke liye hota hai.
Current Account kis ke liye behtar hai?
Current Account un logon ya businesses ke liye behtar hota hai jahan transactions zyada hotay hain aur cash in/out frequent hota hai.
Current Account me overdraft facility hoti hai?
Kai banks current account me overdraft facility offer karte hain, jabke Savings Account me ye facility aam tor par nahi hoti.
Current Account aur Savings Account me transaction limits ka farq?
Current account me transactions usually higher ya unlimited hotay hain, jabke Savings Account me limits hoti hain.
Difference
Current Account vs Fixed Deposit
Faide: Unlimited transactions, overdraft facility available, Cheque book, Debit Card. Nuqsan: Koi profit nahi, monthly charges ho sakte hain, minimum balance maintain rakhna parta hai. Savings Account par profit milta hai lekin transactions ki had hoti hai.
| Feature | Current Account | Fixed Deposit |
|---|---|---|
| Definition | Current account bank mein aik qisam ka account hai jismein aap kabhi bhi paise jama ya nikaal sakte hain, leki... | Fixed deposit bank mein ek qisam ka account hai jismein aap ek muqarrara arsey ke liye paise jama kar dete hai... |
| Best for | Current account mein transactions ki koi had nahi hoti, isliye daily kaam ke liye behtar h... | Fixed deposit mein paise laga kar aap be-khatar munafa kama sakte hain. |
| Example | Kaarobaar log zyada tar current account istemal karte hain kyunke unhein rozana paise lene... | Agar aap 1 lakh ka 1 year ka fixed deposit 18% par karwate hain, toh saal baad aapko 1.18... |
Related Tool
Is term ko practical use mein dekhne ke liye sab se relevant tool se start karein.
Related Banking Terms
Yeh page banking cluster ka hissa hai. Semantic context mazboot rakhne ke liye in linked terms ko bhi dekhein.
Fixed Deposit
Fixed deposit bank mein ek qisam ka account hai jismein aap ek muqarrara arsey ke liye paise jama kar dete hain aur us par fixed profit rate milta hai.
PLS Account
PLS (Profit and Loss Sharing) account wo bank account hai jismein aapko market-based profit milta hai aur ismein riba (sood) nahi hota.
Roshan Digital Account
Roshan Digital Account (RDA) overseas Pakistanis ke liye ek digital account hai jo Pakistan mein banking, investment aur bill payments ki saholat deta hai.
Debit Card
Debit card wo card hai jo aapke bank account se linked hota hai aur isse aap apne paison se shopping, ATM se cash, aur online payments kar sakte hain.
Credit Card
Credit card bank ka ek loan hai jisse aap shopping kar sakte hain aur baad mein bill pay karte hain, lekin late payment par high interest lagta hai.
ATM
ATM (Automated Teller Machine) ek machine hai jisse aap bina bank gaye cash nikal sakte hain, balance check kar sakte hain, aur kuch transactions kar sakte hain.