ATM में अगर आपके साथ भी ऐसा हो जाए तो बैंक से ले सकते रोज का 100 रूपए जुर्माना!

हम एक ऐसे समाज में रह रहे है जहाँ टेक्नोलॉजी का विकास काफी तेजी से हो रहा है. हम रोज ही किसी नई तकनीक से रूबरू हो रहे है. इस तकनीकी विकाश ने हमारी जिंदगी को भी काफी आसान बना दिया है. लेकिन हम जिस तकनीक के सहारे अपनी जिंदगी आसान बना रहे है उसे कितना जानते है ये भी एक बड़ा सवाल है. कई बार कम जानकारी होने की वजह से भी हमें भारी नुकसान का सामना करना पड़ता है.

आज हम आपको आपके बैंक ATM से जुडी कुछ ऐसी ही जानकारी देने जा रहे है जो आपके लिए काफी फायदेमंद साबित हो सकती है. हो सकता है आपके साथ भी कभी ऐसा हुआ हो कि आप ATM में पैसे निकालने गए हो लेकिन आपका ट्रांजिक्शन अमाउंट फेल्ड हो जाने के बाद भी पैसे कट गए हो. आपके आस-पास अक्सर ऐसे मामले देखने को मिलते होंगे.

लेकिन क्या आपको पता है कि जबतक वो कटा हुआ पैसा आपके अकाउंट में वापस नहीं आता तब-तक आप बैंक से हर रोज 100 रुपये पैनल्टी के तौर पर वसूल है. जी हां, दरअसल ट्रांजेक्शन फेल्ड होने वाले ग्राहकों के लिए आरबीआई की तरफ से कुछ गाइडलाइंस दी गयी है. इसके मुताबिक ट्रांजेक्शन फेल होने की शिकायत मिलने के 7 वर्किंग डेज के अंदर ग्राहक के अकाउंट में पैसा आ जाता है. अगर ऐसा नहीं होता है तो पेमेंट सेटलमेंट सिस्टम एक्ट 2007 के तहत बैंक को रोज 100 रुपये पैनल्टी के तौर कस्टमर को देने होंगे.

ग्राहकों को ट्रांजेक्शन के 30 दिनों के भीतर शिकायत दर्ज करानी होगी. आप ट्रांजेक्शन पर्ची या अकाउंट स्टेटमेंट के साथ बैंक में शिकायत कर सकते है. बैंक को अनिवार्य कार्ड डिटेल, अपना बैंक अकाउंट नंबर, एटीएम आईडी, ट्रांजेक्शन की तारीख और समय बताना होगा. बैंक से शिकायत की कॉपी लेना न भूलें, जिस पर ब्रांच मैनेजर के हस्ताक्षर भी हो. इसके आलावा आप आरबीआई की वेबसाइट पर जाकर ऑनलाइन शिकायत कर सकते हैं.

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