सत्येंद्रसिंह राठौर. देवास
अगले महीने ही पता चलेगा जब खाते से कटेंगे रुपए….
-मिनिमम बैलेंस की बाध्यता पर सीमित आय वाले व गरीब खाताधारकों की चिंताएं बढ़ी, बैंक नहीं दे रहे सही जानकारी
देवास। बैंकों में मिनिमम बैलेंस की बाध्यता को लेकर करीब डेढ़-दो महीने पहले से जो बातें सोशल मीडिया पर पोस्ट, शेयर हो रही थीं उनमें से कई सच साबित होने जा रही हैं। अधिकांश बैंकों में खातों में मिनिमम बैंलेंस रखने संबंधी दिशा-निर्देश आ चुके हैं जिन पर अमल भी शुरू हो गया है। हालांकि कई बैंकों से ग्राहकों को इस संबंध में टरकाने वाला जवाब ही मिल रहा है। यहां जब ग्राहक मिनिमम बैलेंस की जानकारी लेने पहुंच रहे हैं तो बैंक कर्मचारी कह रहे हैं कि नियम-कायदे तो आ गए है, देखते हैं कैसे क्या होता है, अगले महीने ही पता चलेगा जब खाते से रुपए कटेंगे। बैंकों के मनमाने नियमों से जहां एक ओर ग्राहकों में नाराजगी बढ़ती जा रही है वहीं कई ग्राहक खाता बंद करने की तैयारी कर रहे हैं। मिनिमम बैलेंस की सीमा अलग-अलग बैंकों में अलग-अलग है। हालांकि इस राशि के बारे में भी बैंक खुलासा करने से कतरा रहे हैं। ग्राहक संजय सिंह कुशवाह निवासी मधुबन कॉलोनी ने बताया वो एसबीआई की बीएनपी व स्टेशन रोड चौराहा शाखा में गए थे लेकिन मिनिमम बैलेंस संबंधी जानकारी नहीं दी गई।
जिनके खातों में रुपए कम, उनका क्या
बैंकों में ऐसे ग्राहकों का एक बड़ा वर्ग है जिनके खातों में अधिक राशि नहीं रह पाती है। किसी के खाते में 100 तो किसी के खाते में 300, 500, 700 रुपए ही रहते हैं। ऐसे में नए नियम के बाद ये लोग ज्यादा रुपए बैंक में जमा कैसे रख पाएंगे। वहीं निर्धारित राशि कम होने पर हर माह पेनाल्टी भी नहीं भर पाएंगे। ऐसे में इस बात की प्रबल संभावना है कि यदि बैंकों ने मिनिमम बैलेंस की बाध्यता को कम नहीं किया तो उनके ग्राहकों की संख्या में कमी जरूरी आएगी। वहीं जीरो बैंलेंस पर खुले खातों का भविष्य भी अभी तक स्पष्ट नहीं है।
बैंकों की तानाशाही, सरकार उदासीन, चलाएंगे अभियान
पिछले दिनों बैंकों में जाकर ज्ञापन देने वाले लोकसभा युवा कांग्रेस अध्यक्ष मनीष चौधरी ने कहा इस मामले में जल्द ही जनता के बीच जाकर जनजागरण अभियान चलाया जाएगा। लोगों को यह समझना बहुत जरूरी है कि उन पर बैंक जबरन के नियम-कायदे थोप रहे हैं। बैंकें तानाशाही कर रही हैं और केंद्र सरकार पूरी तरह उदासीन है। आम जनता की भलाई का ध्यान रखना सरकार की जिम्मेदारी है जिससे वह मुंह मोड़ रही है।
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