अगर आपका खाता भी किसी बैंक में है तो आपके लिए एक गुड न्यूज है। वित्त मंत्री निर्मला सीतारमण ने मंगलवार को लोकसभा में बैंकिंग लॉ अमेंडमेंट बिल पेश किया था जिसे मंजूरी भी मिल गई। सरकार इस संशोधन विधेयक को बैंकिंग सेक्टर में सुधार के लिए लेकर आई है। इसका मकसद बैंकिंग के नियामक ढांचे को आधुनिक बनाने और बढ़ाने के लिए महत्वपूर्ण बैंकिंग कानूनों में संशोधन करना है। तो चलिए जानते हैं एक बैंक ग्राहक के तौर पर आपका इस बदलाव से क्या फायदा होगा।
#BankAccount #Nominee #RuleChangeforbankaccount #loksabha #bankinglawamendmentbill #nirmalasitharaman #financeminister
#BankAccount #Nominee #RuleChangeforbankaccount #loksabha #bankinglawamendmentbill #nirmalasitharaman #financeminister
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NewsTranscript
00:00If your account is also in a bank, then there is good news for you.
00:06Minister of Finance, Nirmala Sitharaman, on Tuesday,
00:09presented the Banking Law Amendment Bill in the Lok Sabha,
00:13which was also approved.
00:16The aim is to improve the regulatory structure of banking.
00:20The government has brought this amendment to the banking sector for improvement.
00:25Its aim is to modernize the regulatory structure of banking
00:29and to improve it, it is necessary to amend the important banking laws.
00:34So let's know, as a bank customer,
00:37what will you gain from this change?
00:40Every bank can keep 4 nominees in the account.
00:44Through the Banking Law Amendment Bill,
00:47under the Indian Reserve Bank Act 1934,
00:50under the Banking Regulation Act 1949,
00:53under the Indian State Bank Regulation 1955,
00:56a total of 19 amendments have been proposed.
00:59After this law is implemented,
01:01you can keep 4 nominees in your bank account instead of 1.
01:07Unclaimed assets can be transferred to the IEPF.
01:11After the implementation of this amendment,
01:14dividends, shares, investor education and protection funds,
01:18Investor Education and Protection Fund, i.e. IEPF,
01:22can be transferred.
01:24Investors can claim their money through IEPF.
01:29The definition of sufficient interest for investors will be amended.
01:34After the implementation of this amendment,
01:37the limit of interest on people's bank accounts
01:40will be increased from the limit of Rs. 5 lakh,
01:43which was established in 1968, to Rs. 2 crore.
01:46Banks will have to submit a report on every installment,
01:49month or term.
01:51In this amendment,
01:53the RBI has also proposed a change in the reporting date
01:56of financial statements from the banks.
01:59Banks will have to submit this report on the last day
02:03of the installment, i.e. 15 days, month or term,
02:06instead of Friday.
02:09Government banks will have the autonomy to decide
02:12the auditor's schedule.
02:14After the implementation of this amendment,
02:17the bank auditor of the public sector will be able
02:20to decide the remuneration.
02:22With this flexibility,
02:24they will be able to appoint better people
02:27in the case of bank audits,
02:29which is expected to improve the quality of audits.
02:33Why was this change made in banking?
02:36Under the Banking Law Amendment Bill,
02:39all these changes were considered
02:42in the context of the existing problems.
02:45The purpose of allowing four nominees instead of one
02:48is to facilitate the withdrawal of money
02:51after the death of the account holder.
02:54This change is being made to ensure
02:57that the unclaimed amount reaches the right holder.
03:00By March 2024,
03:02around Rs. 78,000 crores are unclaimed in banks.