Tally Class Online Full Free Tally Course with GST Types of Bank Accounts
Is Topic ka Main purpose hai Jo Alag Alag Tarah ke Bank Accounts hote hai un Sabke Bich me Kya Fark Hota hai is Confusion ko Ham is Topic me Dur karenge.
Bahut sari alag alag Banks hoti hai Main Is Topic me Har ek Bank ki Baat karunga aur Ham Is Topic ko Samajhne ke Liye HDFC Bank ko Randomly Select kar lete hai. Yani ye Maan Lijiye ki HDFC Bank me Kis Kis Tarah ke Bank Accounts ho Sakte hai aur Un Accounts ka Matlab Kya Hota hai Unke Ledger Kis Tarah Banye Jate hai aur Ledger Banate Waqt Kaunsa Group Lena Chahiye Ye Sari Detail ham is Topic me Clear karenge.
To Shuru Karenge ham Saving Accounts se
Bank Saving Account
Maan Lijiye ki Hamara HDFC Bank me Saving Account hai aur Saving Account ko Ham Sab Ache se Jante bhi hai aapka bhi kisi na kisi Bank me Saving Account jarur Hoga. Saving Account Bachat ke Liye Khulwaya Jata hai Yani Mere Paas Kuch nakad Rupye hai Uski Bachat ke liye Maine Ye Paise Bank me Daal Diye Jispar Hame Bank ke According Interest bhi milta hai Ise hi Saving Account kehte hai. Aur Agar kisi Vyapari ka HDFC Bank me Saving Account hota hai to Kuch Is Tarah se Ledger Banana Chahiye –
Ledger Name – HDFC Bank Saving Account 12345
Group Name – Bank Accounts (Assets)
Bank Current Account
Sabse Pehle ham Samajhte hai Ki Current Account Kya hota hai aur Kisi ko Current Account Khulwane ki Kyun Jarurat padti hai. Saving Account Me Kuch Limits hoti hai Jisme aap Jarurat se Jyada Paise jama Nahi Karwa Sakte na hi Nikalwa Sakte hai.
Jarurat se jyada ka Matlab hai Bahut Sare Rupyo ka len Den aap Saving accounts me nahi kar sakte. Aur Jo Vyaapar karta hai use Bahut sare rupye ka len den karna padta hai Maan lijiye kisi se maal kharida to payment karna padta hai aur kisi ko maal becha to payment lena padta hai aur is tarah ke transaction ek vyaapar me roj hote hai jabki saving me to ham kabhi kabhar hi paisa jama karwate hai ya nikalwate hai.
To jo log Vyapar karte hai unka Business ke naam se Bank me jo Khata khulta hai use Current Account kehte hai aur is tarah ke account me Saving account kit ulna me Bank ke Service Charges bhi thode Jyada lagte hai aur Bank Byaz bhi nahi deti hai. Aur agar kisi Vyapari ka man lijiye HDFC Bank me Current account hota hai to kuch is tarah se ledger banana chahiye –
Ledger Name – HDFC Bank Current Account 12345
Group Name – Bank Accounts (Assets)
Bank CC Accounts
Saving Account aur Current Account ke Baad jo Teesra Bank me Account hota hai use Bank CC Account kehte hai Bank CC Account kya hota hai Use ham Samajhte hai.
Bank CC Account ek Tarah se Bank se liya gaya Loan hi hota hai Lekin Loan se Bilkul Alag hota hai aur is Tarah ke Account me Bank Vyapariyo ko Vyapar karne ke liye Kuch Rupye Use karne ki Limit Deti hai Vyaapar ki Vyaaparik Sthithi ko Dekhkar aur wo Limit Kuch Bhi ho Sakti hai – 1 Lakh, 5 Lakh, 25 Lakh Ya kuch Bhi
Ham Ye Maan lete hai ki HDFC Bank ne 1 Vyapari ko 5 Lakh Rupye Use karne ki Limit di aur Uska Bank me CC Account Open Kar diya Ab yaha Par Vyapari Jab tak un 5 Lakh rupyo ko Use nahi karta Tab Tak Wo paise Bank ke hi hai Bank ke Paas me hi hai. Uski na to koi Kist aayegi aur Na hi Koi Byaz lagega aur na hi bank hamse kuch maangta hai.
Ab maan lijiye ki Vyapari ko 1 lakh Rupye ki Jarurat Pad gayi to usne un 5 lakh rupye se 1 lakh rupye nikal liye
- To pehli baat ab bank vyaapari se kewal 1 lakh rupye hi mangega na ki 5 lakh rupye
- Dusri Baat in 1 lakh rupye ki koi bhi Fix Kist nahi hogi aur na hi kist jama karane ki koi tarikh hogi
- Teesri Baat Ye 1 lakh rupye Jitne Din CC account se Bahar rahenge utne din ka kewal 1 lakh rupye par byaz lagega
- Chhoti Baat Vyaapari nikale Gaye 1 lakh rupye me se Jab Chahe Jitne Chahe Rupye Bank ke CC Account me wapas Jama karwa Sakta hai
- panchvi Baat Vyaapri ne 1 lakh me se 50000 rupye jama karwa diye to ab kewal 50000 rupye par hi byaz lagega na ki 1 lakh par
- Chhati baat jis din vyaapari 50000 rupye aur jama karwa dega to 1 rupya bhi byaz nahi lagega aur na hi bank ab us se kuch rupye mangegi
To is tarah ke account ko Bank CC Account kehte hai CC account ki Pehchan kya hoti hai ye Bhi main Aapko Bata deta hu. Pehli Baat CC Account me Jo Paisa hota hai Wo Hamara nahi hota hai wo Bank ke Dwara Hame Diya Jata hai aur Saving Account ya Current Account me Jo Paisa hota hai wo Hamara hota hai jo ham Bank me Jama Karwate hai.
Bank ke Statement ko Dekhkar Bank CC Account ki Pehchan ki Ja Sakti hai Wo kaise Main Aapko Batata hun
Maan lijiye ek Aapka HDFC Bank me Current Account hai aur Ek CC Account hai Current account me aapka Balance hai 5000 Rupye usme 5000 Rupye aur Jama Karwaoge to Balance ho jayega 10000 Rupye. Zahir si Baat hai Bank me Paise jama Karwaoge to Paisa Badhega aur Nikaloge to paisa Ghatega.
Lekin Bank CC Account me Iske Just opposite hota hai Jab Ham Paisa Nikalte hai to Balance Badhta hai aur Paisa Jama Karwate hai to Balance Ghat Jata hai. Wo Kaise Main Aapko Samjhata hu.
Maan lijiye ki Bank CC account ka Balance Bata Raha hai 5000 Rupye. Iska Matlab ye huwa ki aapne 5000 Rupye CC Account se Use kiye huwe hai jo aapko Bank ko Wapas Lautane hai aur jaise hi main Bank CC Account me 5000 Rupye Jama Karwa Dunga to Balance 0 ho Jayega.
Current Account me Jab 5000 rupye jama karwaye to mera balance 10000 ho gaya lekin jab CC account me paise jama karwaye to balance 0 ho gaya. To Dekhiye Samajhdar aadmi ko ishara kafi hai Current account me jo balance show kar raha tha wo aapka paisa tha usme aur jama karwaya to aur badh gaya lekin CC account me jo Paisa show kar raha tha wo Bank aapse mangti thi aapne usme paisa jama karwaya to bank ab aapse nahi mangegi yani simple si baat hai kisi mangne wale ko aap paisa doge to Udhari kam hi hogi badhegi to nahi na.
To CC Account me yahi hota hai Jab Aap paisa nikalte ho to balance badhta hai jiska matlab ye hota hai ki Udhari Badh rahi hai aur Jab Paisa jama karwate ho to Paisa Ghat ta hai jiska matlab hota hai udhari kam ho rahi hai. I hope ki aapko ache se samajh me aa gaya hoga ab main aapko batata hu ki Bank CC Account ka Ledger kaise Banana Chahiye-
Ledger Name – HDFC Bank CC Account
Group Name – Bank OD Account (Liability)
Bank Credit Card
Credit Card bhi Bilkul CC Limit Ki Tarah hi hota hai isme bhi Bank Dwara Paisa use karne ke liye Kuch Limit Di Jati hai aur wo Limit Kuch Bhi Ho Sakti hai Aur Credit card Ki Limit CC Account se Kam hi hoti hai. I Hope ki aap Sabhi Jante hi Honge ki Credit Card kya hota hai Wahi Jo Debit Card ki Tarah hi hota hai.
To isme bhi jo Paisa use kiya jata hai Wo Bank hamse wapas Mangegi Lekin Yaha par Alag Alag Bank ke Credit card ke Alag Alag Niyam hote hai Kisi me Byaz lagta hai kisi me nahi Lagta kisi me 56 din me Paisa Wapas Jama Karwana Padta hai Paisa Kisto me Bhi jama Karwa Sakte hai aur 1 Sath bhi Jama Karwa Sakte hai Ye Bank Ke According alag alag Niyam hote hai. Ha But Credit Card CC limit ki tarah hi hota hai. Ab main Aapko Batata hu ki Bank Credit Card ka Ledger Kaise Banaya Jata hai.
Ledger Name – HDFC Bank Credit Card 12345
Group Name – Bank OD Account (Liability)
Bank RD Account
Pehle Samajhte hai ki Bank RD Account Kya Hota hai I hope ki Aapme se Bahut se Log jante honge Phir bhi main Aapko Samjha Deta hu ki maan Lijiye Aap Koi Job Karte hai Aapki Monthly Salary hai 30000 Rupye jo aapko Har Mahine ki 5 Tarikh ko Mil Jate hai.
Aapne Decide kiya ki Mujhe is salary me Se 5000 Rupye har Mahine Bachat karne hai to Ek Tarikha hota hai ki aap isko Sidha Saving Account me Daal Do Lekin Saving Account me hamara pura Control hota hai Jab Chahe ham Paise Wapas Nikalwa bhi Sakte hai to maan lijiye ki Hamne 2-3 Mahine Bachat ki Aur ye paise Saving Account me Daal Diye lekin 2-3 Mahine ke Baad me Koi Bhi Jarurat pad Gai to Bank se paise wapas nikalwa Liye is se kya huwa jo Ham Paise Bachat kar rahe the wo Ab idhar udhar Lag gaye.
Iske Alawa Bank me Paise Saving karne ka Ek Aur option hota hai Jise Bank RD Account Kehte hai aur Isme Kya hota hai ki Ham Apni Capacity ke According pehle ek Amount Decide kar lete hai ki mujhe Har Mahine Itne Rupye ki Bachat karni hi karni hai jaise har mahine 1000, 2000 ya 5000 rupye aur 1 time Decide kar lete hai ki ye Bachat mujhe 1 Saal 2 Saal ya 5 Saal Tak Karni hai to iske Liye Ham Bank Me RD Account Khulwa Sakte hai.
Bank RD Account me Hamara Saving Account ki tarah Pura Control Nahi hota hai ki jab chahe jitney chahe Paise Jama karwa Diye Aur jab Chahe Paise Nikalwa Liye. RD Account ke Paise jama Karwane ka Option hota hai wo Bhi mahine me kewal 1 baar aur wo bhi utne Jitne Rupye se hamne RD Account Khulwaya hai. Yani Hamne Decide kiya ki 5000 Rupye har Mahine ki 7 Tarikh ko Main RD Account me Paise Jama Karwaunga 1 Saal Tak to aapko Har Mahine ki 7 Tarikh ko 5000 Rupye Jama Karwane padte hai.
Bank RD Account me Bank Saving Account se Jyada Byaz milta hai For Example Aapne 1 Saal tak 5000 Rupye har mahine Jama Karwaye Yani Aapke Kul Paise jama huwe 12*5000=60000 Rupye aur Aapne Decide kiya ki mujhe Kewal 1 saal tak hi Jama Karwane hai to bank aapko 1 saal ke Baad 70000 Ya 72000 Rupye Wapas Return Karti hai wo Bank Ki Terms & Condition Par Depend Karta hai ki Wo Aapko Kitne Rupye Deti hai.
To Ise hi Bank RD Account Kehte hai. Ab iska Ledger kaise Banana Chahiye wo aapko bata deta hu
Ledger Name – HDFC Bank RD Account 12345
Group Name – Investment (Assets)
Bank FD Account
RD Account ki Tarah Bank me Ek Account aur Khulwaya Ja Sakta hai Jise FD Account kehte hai Yani Fixed Deposit aur isme Kya hota hai wo Aapko Bata Deta hu Maan Lijiye ki Aapke Paas 10 Lakh Rupye Pade hai nakad. Ab wo aapke paas Cash pade hai Ghar me to Pehli Baat 10 Lakh ke wo 10 lakh Hi Rahenge Badhenge Nahi Ulta Idhar Udhar Lag Jayenge to Paise Ghat Jayenge aur Dusri Baat Chori ho Gaye to Pure Ke Pure Paise Dub Jayenge
Is Condition me in paiso Ki Bank me jama karwaya Ja Sakta hai FD ke Rup me Jisme Kya Hota hai ki aap in Paiso ko Bank me 1 fix Time ke liye Jama karwa Sakte hai for Example 5 Saal ke liye Jiske Badle me Bank aapko Byaz bhi Deti hai aur Byaz Lene ke 2 option hote hai Ya to Aap in 10 Lakh Rupye ka har mahine Byaz le Sakte hai jo Bank Par Depend Karta hai ki Wo 10 Lakh Rupye par kitna Byaz Deti hai For Example aap Har mahine 5 Saal Tak 8000 Rupye Bank se Byaz le Sakte hai.
Ya Phir 5 Saal Baad Aap 10 Lakh Rupye ke 15 lakh rupye le sakte hai. Ise kehte hai Fixed Deposit yani aapke Paise bhi Bank me Safe ho Gaye aur Uska Fayda bhi aapko Mil Gaya Ab Iska Ledger Kaise Banana Chahiye wo Main aapko Bata deta hu.
Ledger Name – HDFC Bank FD Account 12345
Group Name – Investments (Assets)
Bank Mutual Funds
Aap Sabhi Ne Mutual Fund ka Naam Jarur Suna hi Hoga Mutual Fund kisi Bhi Company ka Ho Sakta hai Jaruri nahi hai kisi Bank ka hi ho aur yaha Filhal Ham ye Manenge ki Hamne HDFC Bank ke Mutual Fund me Invest kiya hai to uska Ledger aur Group kaise Banayenge.
Mutual Fund Waise Bahut Lambi Chhodi Chiz hai Samajhne ke Liye lekin Main Yaha par aapko Kewal Basic point hi Bataunga. Mutual Fund bhi RD Account ki tarah hi Hota hai Jaise har mahine hamne 5000 Rupye ki RD Open Karwai Bank me 1 Saal ke Liye aur 1 saal me Total paise hamne bank me Jama Karwaye 60000 Rupye to Bank hame 1 saal baad 70000 ya 72000 Rupye Wapas Deti hai Byaz Sahit jo Guaranteed hote hai
Mutual Fund bhi Bilkul RD ki tarah hi Hota hai Jisme ham Monthly kuch bhi Amount Invest kar sakte hai Lekin isme Jo hame Wapas Returns Milta hai uski Koi Guarantee Nahi hoti hai Fayda bhi ho Sakta hai aur Nuksan bhi Ye Depend karta hai Jiske bhi aapne mutual Fund Liye hai uski Aarthik Sthiti Par.
Yani HDFC Bank Jitna Profit me chalegi utna hi jyada profit aapko hoga aur HDFC Bank jitna Loss me Jayegi utna hi Jyada loss Aapne jo Paise Invest kiye hai Us par ho Sakta hai. To ye maine kewal apko Basic Point bataya hai ab ham baat karte hai ki Mutual Fund ka Ledger Kaise Banana Chahiye
Ledger name – HDFC Bank Mutual Funds 12345
Group Name – Investments (Assets)
Bank Loan Account
Loan ko aap Sabhi Bahut Ache se Jante aur Samjhte bhi hai ki Loan kise kehte hai. Jarurat Padne se Bank se jo Paise Liye Jate hai Use Loan Kehte hai aur Jarurat kisi bhi Tarah ki Ho Sakti hai Jaise
- Business Loan – Vyapar me Lagane ke liye
- Home Loan – Ghar Banwane Ke liye
- Personal Loan – Personal Use karne ke liye
- Medical Loan – Kisi ko Badi Bimari ho gai hai uske ilaaj ke liye
- Travel Loan – Bahar Ghumne Jana hai uske Liye
- Gold Loan – Sone Ke Badle Kam Byaz me loan lene ke liye
To jarurat ke according is tarah ke loan ho sakte hai aur Is loan me Kya hota hai ki maan lijiye ki aapne 5 Lakh Rupye ka Business Loan Liya to Jis Din aapka Loan Ho Gaya Usi Din se Aapko Har mahine ek Fix EMI Bharni padegi aur usi Din se 5 Lakh Rupye ka Byaz Lagna Bhi Shuru Ho Jayega aur Bank apse 5 Lakh ki Jagah Kisto me 7 lakh ya 7.50 Lakh Rupye wapas Leti hai wo Sab Bank ke Norms par Depend Karta hai.
Aur Bank bhi 2 Tarah ke Hote hai
- Secured Loan – Wo Loan Jo Kisi tarah ki Security Dekar Liya Jata hai Jaise Property Paper, Gold ETC
- Unsecured Loan – Wo loan Jo Bina Security ke Mil Jata hai.
Ab main aapko batata hu ki Iska Ledger Kaise Banaya Jata hai
Ledger Name – HDFC Bank Loan Account 12345
Group Name – Secured Loan (If Security Given)
Unsecured Loan (If Security Not Given) (Liability)
To Dosto Ye hai Kuch Bank Accounts jo sab alag alag tarah ke hai lekin kisi bhi 1 bank me ho sakte hai Jaise
Ledger Name Group Name Nature of Group
- HDFC Bank Saving Account – Bank Account – Assets
- HDFC Bank Current Account – Bank Account – Assets
- HDFC Bank RD Account – Investments – Assets
- HDFC Bank FD Account – Investments – Assets
- HDFC Bank Mutual Fund – Investments – Assets
- HDFC Bank CC Account – Bank OD Account – Liability
- HDFC Bank Credit Card – Bank OD Account – Liability
- HDFC Bank Loan Account – Secured/Unsecured Loan – Liability
