Savings Account kya hota hai?
Savings Account
Definition
Savings account bank mein aik qisam ka account hai jismein aap paise jama karte hain aur bank aapko us par profit (ya interest) deta hai.
Is concept ko aur behtar samajhne ke liye Current Account bhi dekhein.
Savings account aapki bachat ka safe deposit box hai jo aapko thoda munafa bhi deta hai.
Quick Facts
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Quick Summary
| Definition | Savings account bank mein aik qisam ka account hai jismein aap paise jama karte hain aur bank aapko us par profit (ya interest) deta hai. |
|---|---|
| How it helps | Savings account mein aap paise rakh kar safe bhi rehte hain aur thoda munafa bhi kamate hain. |
| Example | Agar aapke savings account mein 1 lakh hain aur bank 12% profit de raha hai, toh saalana 12,000 profit milega. |
| Related terms | 6 linked topics |
How It Works
Yeh kya hai?
Savings account aik bank account hai jo aapko apne paise jama karne, nikaalne, aur us par profit (ya interest) kamane ki sahulat deta hai. Ye Current Account se alag hai kyunke ispar profit milta hai lekin transactions ki had hoti hai. Pakistan mein savings accounts par Profit Rate 7% se 18% tak ho sakta hai (market ke hisaab se).
Rozmarra Asar
Savings account aapki daily banking ka hissa hai. Tankhwah ismein aati hai, bills isse pay hote hain, bachat yahan rehti hai. Profit monthly aapke account mein add hota hai. Debit Card se payment kar sakte hain, online transfer kar sakte hain. Savings account mein minimum balance maintain rakhna parta hai, warna fine lagta hai.
Misal
Agar aapke savings account mein 1 lakh hain aur bank 12% profit de raha hai, toh saalana 12,000 profit milega.
Aksar pooche gaye sawalat
Savings Account kya hota hai?
Savings Account aik bank account hota hai jo personal savings ke liye design hota hai. Is par interest/profit milta hai aur transactions par kuch limits ho sakti hain.
Savings Account me interest/profit kyu milta hai?
Savings account ka purpose bachat (savings) hota hai, is liye bank is par interest/profit deta hai. Current Account me ye feature aam tor par nahi hota.
Savings Account me transaction limits hoti hain?
Haan, savings accounts me aksar transaction limits hoti hain taake account savings oriented rahe, jabke Current Account me limits zyada relaxed hoti hain.
Savings Account me overdraft mil sakta hai?
Savings accounts me overdraft facility aam tor par nahi hoti. Ye facility zyada tar current accounts me milti hai.
Savings Account aur Current Account me basic farq kya hai?
Savings account par interest/profit milta hai aur transactions limited hotay hain; Current Account par interest nahi hota aur transactions zyada hotay hain.
Difference
Savings Account vs Current Account
1) Safe - bank insured hai. 2) Liquidity - kabhi bhi paise nikaal sakte hain. 3) Profit - bekar paison par munafa. 4) Easy access - Debit Card, mobile app, Cheque book. 5) Automatic bill payments. 6) Online shopping. 7) Zakat khudkat- ja sakti hai. Islamic savings accounts bhi available hain jo shariah compliant hain.
| Feature | Savings Account | Current Account |
|---|---|---|
| Definition | Savings account bank mein aik qisam ka account hai jismein aap paise jama karte hain aur bank aapko us par pro... | Current account bank mein aik qisam ka account hai jismein aap kabhi bhi paise jama ya nikaal sakte hain, leki... |
| Best for | Savings account mein aap paise rakh kar safe bhi rehte hain aur thoda munafa bhi kamate ha... | Current account mein transactions ki koi had nahi hoti, isliye daily kaam ke liye behtar h... |
| Example | Agar aapke savings account mein 1 lakh hain aur bank 12% profit de raha hai, toh saalana 1... | Kaarobaar log zyada tar current account istemal karte hain kyunke unhein rozana paise lene... |
Related Tool
Is term ko practical use mein dekhne ke liye sab se relevant tool se start karein.
Related Guides
Related Banking Terms
Yeh page banking cluster ka hissa hai. Semantic context mazboot rakhne ke liye in linked terms ko bhi dekhein.
Current Account
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.
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.