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dS’kysl cusxk bafM;k www.cashlessbanegaindia.com

fMftVy Hkqxrku Hkfo"; dk Hkqxrku

fofo/k izdkj ds Hkqxrkuksa& dkMZ] ;w,l,lMh] ,bZih,l] ;wihvkbZ] okWysV ds fy, Øeokj ekxZnf'kZdk

lqyHk baVjus'kuy dk ,d iz;kl


fo"k;&oLrq 1- ifjp;% ;g iqfLrdk D;ksa \

03

2- cSad dkMZ% cSad dkMZ dSls izkIr djsa

04

3- izdkj% dkMksZa ds izdkj vkSj mi;ksfxrk

05

4- ihvks,l% IokbaV vkWQ lsy ¼ihvks,l½ vkSj dkMZ ds LVsi

06

5- ihvks,l% ihvks,l ds çdkj

07

6- fQftdy ihvks,l% fQftdy ihvks,l ds LVsi

08

7- LFkkiuk% fQftdy ihvks,l VfeZuy LFkkfir djuk

09

8- eksckby ihvks,l% eksckby ihvks,l ds LVsi

10

9- oh&ihvks,l% oh&ihvks,l ds ykHk

11

10- ;w,l,lMh% vlajfpr iwjd lsok MkVk ¼;w,l,lMh½ vk/kkfjr eksckby cSafdax

12

11- jftLVªs'ku% jftLVªs'ku

13

12- QaM VªkalQj% vU; cSad [kkrs esa iSls VªkalQj djuk

14

13- ,bZih,l% vk/kkj ;qDr Hkqxrku iz.kkyh ¼,bZih,l½

15

14- ,bZih,l% ,bZih,l ysu&nsu ds izeq[k pj.k

16

15- ,bZih,l% vk/kkj ;qDr Hkqxrku ç.kkyh ds LVsi

17

16- ;wihvkbZ% ;wihvkbZ jftLVªs'ku ds fy, vis{kk,a ¼;wfuQkbM isesaV~l baVjQsl½

18

17- jftlVªs'ku% ;wihvkbZ ij jftLVªs'ku

19

18- iSls Hkstuk% ;wihvkbZ ls iSls Hkstuk

20

19- çkfIr;ka% ;wihvkbZ ls iSls izkIr djuk

21

20- bZ&okWysV% bZ&okWysV D;k gS \

22

21- vfuok;Zr% djs% viukus ;ksX; t#jh rjhds

23

2

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl


ifjp;

;g iqfLrdk D;ksa \ MkWDVj foUns'oj ikBd

lekt'kkL=kh vkSj lekt lqèkkjd l laLFkkid] lqyHk LoPNrk vkanksyu czkaM vEcslMj] LoPN jsy fe'ku l lnL;] jk"Vªh; fof/d lsok izkf/dj.k (ukylk)

eSa

;g iqfLrdk ekuuh; iz/kkuea=h Jh ujsUnz eksnh ds dS'kysl vfHk;ku ds uwru fopkjksa dks lefiZr dj jgk gwAa tgka ;wukbVsM fdaxMe tSls fodflr ns'kksa us 2020 rd dS'kysl cuus dk y{; r; fd;k gS] ogha gekjs iz/kkuea=h th us bl fopkj dh 'kq#vkr 2016 esa gh dj nh gSA eq>s ;g dgrs gq, izlUurk gS fd ujsUnz eksnh th dh nwjn`f"V le; ls vkxs gSA ;g lksp lkdkj djus vkSj vkxs c<+kus dk gekjs iz/kkuea=h th dk nwjxkeh n`f"Vdks.k vFkZO;oLFkk esa o`f) djrs gq, mls le`) cuk,xk vkSj ns'k dks fodkl ds ,sls iFk dh vksj ys tk,xk] ftlls dqN gh o"kksaZ esa ,d fodflr vkSj [kq'kgky ns'k esa izR;sd ukxfjd dk mRFkku gksxkA o"kZ 1968 esa tc eSaus lqyHk dh 'kq#vkr dh Fkh] rks gj dksbZ dgrk Fkk fd ;g gks ugha ik,xkA ysfdu vkt ;g gks jgk gSA ge esa ls cgqr yksxksa dk thou cgqr gh O;Lr gSA ge esa ls dqN ikS QVus ls igys gh mB tkrs gS]a ge Lo;a dks rS;kj djrs gS]a rkfd ge fnu ds fy, vius ifjokj dks rS;kj dj ldsAa gesa vius dke ds fy, tYnckth jgrh gS] Ldwy ds fy, cPpksa dks rS;kj djus esa tYnckth jgrh gS vkSj fnu [kRe gksr& s gksrs gesa dsoy vxys fnu ds fy, [kqn dks rS;kj djus dh fpark jgrh gSA O;Lr fnu ds ckotwn cSd a ;k Mkd?kj dh drkj esa bartkj djrs gq, le; fcrkuk vkf[kjh dke ds :i esa vkidk bartkj djrk jgrk gSA ;gha ij vkWuykbu cSfa dax dh Hkwfedk 'kq: gksrh gSA vkWuykbu cSfa dax ds dbZ Qk;ns gS& a Û vkWuykbu cSfa dax vkidks cSd a dh drkjksa ls cpkrh gSA Û vki viuk cSd a lac/a kh ysunsu vkjke ls vius ?kj ls gh iwjh rjg lqjf{kr :i ls dj ldrs gSAa lkFk gh vius vkWuykbu fooj.kksa rd vkidh igqp a vklku gksrh gSA Û vki vius ysunsu dh fuxjkuh dj ldrs gSa vkSj lqfuf'pr dj ldrs gSa fd vkids cSylas dh tkudkjh lgh gSA Û vkWuykbu cSfa dax us [kqn gh fcy dk bysDVªkWfud Hkqxrku laHko cuk fn;k gSA Û vki dksbZ ,d Hkqxrku fu/kkZfjr dj ldrs gSa ;k ckj&ckj Hkqxrku r; dj ldrs gSAa Û vki ;g Hkh ns[k ldrs gSa fd vkidk Hkqxrku dc vk,xkA Û dqN lsok,a cSylas vyVZ tSlh lqfo/kk,a iznku djrh gSAa Û ;s vyVZ vius [kkrksa dh fuxjkuh djus vkSj 'kqYd ls cpus esa vkidh enn djsxa As Û vki [kkrk xfrfof/k;ksa ij utj j[kus ds fy, Hkh vyVZ lsV dj ldrs gSAa Û dqN ekud vyVZ esa ysu&nsu vyVZ vkSj fcy Hkqxrku vyVZ 'kkfey gSAa Û pwfa d dbZ u, dsoy vkWuykbu cSd a vk jgs gS]a blfy, vius [kkrksa rd vkWuykbu igap q ds ckjs esa lh[kuk vko';d gks x;k gSA lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

3


cSad dkMZ

cSad dkMZ cSad dkMZ dSls izkIr djsa

1

vius [kkrs ls tqM+k dkMZ dSls tkjh djk,a 1- fudVre cSad 'kk[kk esa tk,a

4

2

viuk dkMZ ,fDVosV djsa

2- ,d [kkrs ls dbZ dkMZ

1- vius cSad ds ,Vh,e ij dsoy cSysal dh tkap djds

3- cSad }kjk fiu vyx ls tkjh fd;k tk,xk

2- viuh cSad 'kk[kk ij dksbZ Hkh ysu&nsu }kjk

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl


izdkj

dkMksZa ds izdkj vkSj mi;ksfxrk izhisM dkMZ

MsfcV dkMZ

1- vkids cSad [kkrs ls izh&yksM djds

1- vkids cSad [kkrs ls tqM+k gksxk

2- mi;ksx djus esa lqjf{kr] ysu&nsu dh lhfer jkf'k

2- nqdkuksa] ,Vh,e] okWysV] ekbØks ,Vh,e] vkWuykbu 'kkWfiax ij Hkqxrku ds fy, iz;qDr

3- eksckby fjpktZ dh rjg fjpktZ fd;k tk ldrk gS

u, ;qx dh cSafdax esa MsfcV dkMZ D;ksa lgh gS

vkWuykbu ysu&nsu

izhisM

vius ?kj ;k dk;kZy; ls gh iwjh lgwfy;r ls vius MsfcV dkMZ ls fcyksa dk Hkqxrku djsa] [kjhnkjh djsa] fVdV cqd djsa vkSj blds vykok dbZ lkjs dke djsa

tek ls vf/kd [kpZ dh dksbZ xqatkb'k ugha] vkSj blfy, dtZ ds tky esa Qalus dh dksbZ vk'kadk ugha

cksul IokbaV vkSj migkj

MsfcV dkMksZa us vc dkQh rjDdh dj yh gSA dS'kcSd vkWQj] bukeksa rFkk vU; dbZ vkd"kZd izLrkoksa dh otg ls vc ;g foRrh; ysu&nsu ds ek/;e ls dgha vf/kd egRoiw.kZ gks x;k gSA

lqfo/kktud vkSj rst ysu&nsu fdlh ihvks,l ;k ,Vh,e ij Lokbi djsa vkSj cl vkidk ysu&nsu gks x;kA 128 fcV ,fUØIVsM flD;ksfjVh ds dkj.k ;g ftruk rst] mruk gh lqjf{kr Hkh gSA

[kpZ dk fglkc j[ksa vkSj ctV esa jgsa

vkidks ges'kk irk jgsxk fd vkius fdruk [kpZ fd;k gS vkSj fdruk vkids ikl cpk gSA iwjh rjg ikjn'khZ O;oLFkk gksus dh otg ls gj ckj [kpZ djus ij vkidks ,l,e,l@bZ&fooj.k izkIr gksrk gSA

lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

5


ihvks,l

IokbaV vkWQ lsy ¼ihvks,l½ vkSj dkMZ ds LVsi cSad vius [kkrk /kkjdksa dks dbZ rjg ds dkMZ tkjh djrs gSa

dgha & Hkh [kjhnkjh ds fy, vius dkMZ dk mi;ksx djsa

izhisM dkMZ

fdlh Hkh ihvks,l ij

MsfcV dkMZ

,Vh,e ij

ØsfMV dkMZ

vkWuykbu 'kkWfiax esa

izhisM dkMZ fdlh Hkh cSad }kjk [kkrs ls ;k udn tkjh fd;k tk ldrk gS] ftlds ykHk gSa& izh&yksMsM dkMZ udnh ds cjkcj dbZ ckj fjpktZ fd;k tk ldrk gS fdlh Hkh ihvks,l] ,Vh,e ij mi;ksx fd;k tk ldrk gS 6

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl


ihvks,l

ihvks,l ds izdkj fQftdy ihvks,l dkMZ Lokbfiax& ihVh,l,u ySaMykbu@thihvkj,l l{ke ds lkFk

,eihvks,l ckgjh ihvks,l fMokbl ls tSd@ CY;wVwFk }kjk tqM+k Qksu

oh&ihvks,l opqZvy bZ&isesUV xsVos

lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

7


fQftdy ihvks,l

fQftdy ihvks,l ds LVsi

8

1

ihvks,l e'khu ij MsfcV@Ã&#x2DC;sfMV dkMZ Lokbi djsaA

2

Hkqxrku okyh /kujkf'k ntZ djsaA

3

jlhn cuk,a

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl


LFkkiuk

fQftdy ihvks,l VfeZuy LFkkfir djuk 1

ysu&nsu ds fy, pkyw [kkrk [kksysa@fpfg~ur djsaA

4

fuEu nLrkost nkf[ky djsa%

2

vkosnu i= esa Hkjsa ¼vkWuykbu@'kk[kk esa½

5

epsZUV }kjk ,eMhvkj dh Lohd`fr

3

ihvks,l dk izdkj fpfg~ur djsa vko';d ¼ySM a ykbu@thihvkj,l½

6

epsZUV dk ,DthD;w'ku izfr"Bku vuqca/k

O;kikj dk izek.k ¼dksbZ ,d½ nqdku vkSj izfr"Bku dk jftLVªs'ku izek.k&i= oSV izek.k&i= lsYl VSDl izek.k&i= irs dk lk{; izksizkbVj@ikVZuj dk QksVks yxk igpku izek.k&i= foRrh; C;kSjs cSad fooj.k vk;dj fjVuZ

lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

9


eksckby ihvks,l

eksckby ihvks,l ds LVsi

10

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl


oh&ihvks,l

oh&ihvks,l ds ykHk ihvks,l e'khu vko';d ugha epsZUV ds cSad [kkrs esa Hkqxrku ds fy, D;wvkj dksM iz;qDr epsZUV ds cSad [kkrs dh iwjh xksiuh;rk

lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

11


;w,l,lMh

vlajfpr iwjd lsok MkVk ¼;w,l,lMh½ vk/kkfjr eksckby cSafdax jk"Vªh; ,dhd`r ;w,l,lMh IysVQkeZ ¼,u;w;wih½

1 fdlh Hkh cSad esa [kkrk

5]000 #i;s izfrfnu izfr xzkgd rd Hkqxrku ds fy, mi;ksx fd;k tk ldrk gS

12

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl

2 th,l,e usVodZ ij vk/kkfjr dksbZ Hkh eksckby Qksu


jftLVªs'ku

jftLVªs'ku 1

eksckby uEcj vkSj cSad [kkrk fyad djkus ds fy, viuh 'kk[kk esa tk,aA

2

mi;ksxdrkZ dk vuqHko% vyx ,e,evkbZMh dh t+:jr ugha( jftLVªs'ku djkus ij vkidks viuk eksckby euh vkbMsafVQk;j ¼,e,evkbZMh½ vkSj eksckby fiu ¼,efiu½ izkIr gksxk( ,Vh,e ij ;k vkWuykbu Hkh fd;k tk ldrk gSA

3

mi;ksxdrkZ dk vuqHko ljy cukus ds fy, u, cnyko fd, x, gSa] vyx ls ,e,evkbZMh dh t+:jr ugha

viuk ,e,evkbZMh vkSj ,efiu ;kn j[ksa

lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

13


QaM Vªkl a Qj

vU; cSad [kkrs esa iSls VªkalQj djuk vius Qksu ls *99# Mk;y djsa

vkidh [kkrk la[;kxxxx4567 ls #- 500.00 fnukad 16- 02-2014 dks fudklh dj yh xbZ gS vkSj eksckby 9911330092

ls tqM+s cSad [kkrs esa tek dj fn, x, gSa ¼vkbZ,eih,l lanHkZ la212233445555½

14

,u;w;wih esa vkidk Lokxr gS] vius cSad ds miuke ds 3 v{kj ;k vius cSad ds vkbZ,Q,llh ds 'kq#vkrh 4 v{kj ntZ djsaA

# 500 eksckby 9911330092 vkSj ,e,evkbZMh 9002567 okys ykHkkFkhZ ds [kkrs esa fdjk, gsrq VªkalQj djuk pkgrs gSa ¼viuk ,efiu ntZ djsa½ ¼[kkrk la[;k ds vafre pkj vad] tks ,d Lisl nsdj i`Fkd fd, x, gksa½

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl

viuk fodYi ntZ djsa 1- 'ks"kjkf'k iwNrkN 2- y?kq fooj.k 3- iSlk VªkalQj&,e,evkbZMh 4- iSlk VªkalQj&[kkrk la[;k 5- iSlk VªkalQj&vk/kkj 6- ,e,evkbZMh tkusa 7- ,efiu cnysa 8- vksVhih izkIr djsa

,d Lisl nsdj /kujkf'k vkSj fVIi.kh ¼oSdfYid½ ntZ djsa bl izdkj ¼/kujkf'k½ ¼fVIi.kh½

ykHkkFkhZ dk eksckby la[;k ntZ djsa

ykHkkFkhZ dk ,e,evkbZMh ntZ djsa


,bZih,l

vk/kkj ;qDr Hkqxrku iz.kkyh ¼,bZih,l½ ,bZih,l ls ihvks,l ij] cSafdax dkjsLikaMsV ;k dLVej liksVZ IokbaV dh lgk;rk ls ekbØks,Vh,e ¼ck;ksesfVªd lqfo/kk ds lkFk½ ij ,d ls nwljs cSad esa ysu&nsu djus dh lqfo/kk feyrh gSA

vk/kkj ;qDr lsok,a 'ks"kjkf'k iwNrkN udn vkgj.k udn tek vk/kkj ls vk/kkj esa iSls VªkalQj djuk

dsoy vk/kkj vko';d

lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

15


,bZih,l

,bZih,l ysu&nsu ds izeq[k pj.k

16

fdlh ekbØks ,Vh,e esa ;k cSafdax lgk;d ds ikl tk,a

vius cSad dk uke vkSj vk/kkj la[;k nsa

pqusa fd dkSu&lk ysu&nsu djuk gS

izfØ;k iwjh gqbZ

ysu&nsu lQy gksus ij] Nih iphZ izkIr djsa

LdSuj ij vaxqfy;ksa ds fu'kku nsa

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl


,bZih,l

vk/kkj ;qDr Hkqxrku iz.kkyh ds LVsi cSad esa ;k cSafdax lgk;d dh enn ls viuk [kkrk viuh vkèkkj la[;k ds lkFk lhM djk,a

vki ;g dj ldrs gSa [kkrs esa tek jkf'k vk/kkj ls vk/kkj esa iSls VªkalQj udn vkgj.k udn tek ,bZih,l ds lkFk mfpr dher okyh nqdkuksa ij [kjhnkjh

vc vki fdlh ,bZih,l IokbaV ij fdlh fiu ;k ikloMZ ds fcuk vusd ysu&nsu dj ldrs gSa ¼,bZih,l IokbaV&ekbØks ,Vh,e½ lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

17


;wihvkbZ

;wihvkbZ jftLVªs'ku ds fy, vis{kk,a

¼;wfuQkbM isesaV~l baVjQsl½

vis{kk,a

miyC/k ,Il ¼28 cSad ,Il½

baVjusV lqfo/kk okyk LekVZQksu

,lchvkbZ ,i] ih,uch ;wihvkbZ] ;wihvkbZ dysDV ¼vkbZlhvkbZlhvkbZ½] ,fDll is] dsujk cSad] ;wihvkbZ] ;wdks ;wihvkbZ] ;wfu;u cSad ;wihvkbZ] vkschlh ;wihvkbZ rFkk vU; izeq[k cSad

cSad [kkrk fooj.k ¼dsoy jftLVªs'ku ds fy,½

;wihvkbZ jftLVªs'ku dh izfØ;k

18

dksbZ cSad ,i ;k r`rh; ikVhZ ,i MkmuyksM djsa

viuh vf}rh; vkbZMh ¼cSad [kkrk la-] vkbZ,Q,llh dksM] vk/kkj] eksckby ua-½ opqZvy Hkqxrku irs ¼ohih,½ ds :i esa pqusa

viuk cSad pqusa

jftLVªs'ku iwjk gqvk

ysu&nsu lR;kiu ds fy, ,e&fiu lsV djsa

igyh ckj [kkrk fooj.k nsa

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl


jftLVªs'ku

;wihvkbZ ij jftLVªs'ku

http://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/ ls

LØhu'kkWV fy;k x;k

lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

19


iSlk Hkstuk

;wihvkbZ ls iSls Hkstuk

http://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/ ls

LÃ&#x2DC;hu'kkWV fy;k x;k

;wihvkbZ ls iSls Hkstuk

20

^iSls Hkstsa* pqusa

ikus okys dk opqZvy Hkqxrku irk ntZ djsa

/kujkf'k ntZ djsa

^Hkstsa* nck,a

fooj.kksa dh iqf"V djsa

ysu&nsu ds fy, fVIi.kh fy[ksa

dS'kysl cusxk bafM;kA lqyHk baVjus'kuy dk ,d iz;kl


izkfIr;ka

;wihvkbZ ls iSls izkIr djuk

http://www.bgr.in/news/unified-payments-interface-heres-how-to-register-send-and-receive-money-using-upi-apps/ ls

LØhu'kkWV fy;k x;k

;wihvkbZ ls iSls izkIr djuk ¼ekax djuk½ ^iSls izkIr djsa* pqusa

pqdrk djus okys dk opqZvy Hkqxrku irk ntZ djsa

/kujkf'k ntZ djsa

^iqf"V djsa* nck,a

ysu&nsu ds fy, fVIi.kh fy[ksaA

ntZ djsa fd vki dc izkIr djuk pkgrs gSaA

lqyHk baVjus'kuy dk ,d iz;klA dS'kysl cusxk bafM;k

21


bZ&okWysV

bZ&okWysV D;k gS\ bysDVªkWfud izh&isM Hkqxrku iz.kkyh] eksckby&QLVZ ikloMZ fodYi ds dkj.k lqjf{kr vkWuykbu ;k LekVZQksu LVksj ls pht+ksa dh [kjhnkjh djus ds fy, mi;ksx fMftVy okWysV esa iSls yksM djus ds fy, O;fDr ds [kkrs dks mlls fyad djkus dh vko';drk gks ldrh gS vf/kdka'k cSadksa ds bZ&okWysV gSa vkSj dqN futh daifu;ks ds Hkh gSaA

okWysV dk mi;ksx djuk

miHkksDrk okWysV dh lhek% # 20]000@izfrekg lHkh ds fy,A # 1 yk[k@izfrekg dsokbZlh ds lkFkA miHkksDrk] LekVZQksu esa ,i MkmuyksM djrk gSA

eksckby ls lkbu&vi djrk gSA

ØsfMV dkMZ ;k MsfcV dkMZ ;k baVjusV cSafdax dk mi;ksx djds iSls yksM djrk gS

Hkqxrku djus ds fy, okWysV dk mi;ksx 'kq: dj nsrk gS

epsZUV okWysV dh lhek% # 50]000@izfrekg Lo&?kks"k.kk okyksa ds fy,A # 1 yk[k@izfrekg dsokbZlh ds lkFkA nqdkunkj@ lsok iznkrk],i MkmuyksM djrk gSA

eksckby ls lkbu&vi djrk gSA

[kqn dks epsZUV ?kksf"kr djrk gSA

Hkqxrku Lohdkj djuk 'kq: dj nsrk gSA

okWysV dk mi;ksx 'kq: djus ds fy, cqfu;knh vis{kk,a cSad esa [kkrk] LekVZQksu] 2th@3th@4th dusD'ku vkSj ,d Ýh okWysV ,i *

dqN cSadksa esa Åijh lhek gksrh gSA

22

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