Current Account Kaise Open Kare?

Current Account Kaise Open Kare?

Business Ke Liye Current Account Open Karne Ki Puri Process

By: dimagkibati.com

Agar aap business karte hain, shop chalate hain, startup shuru kar rahe hain ya firm/company ke naam se transactions karna chahte hain, to Current Account aapke liye bahut zaroori hota hai.
Is blog me hum simple Hinglish me samjhenge ki Current Account kya hota hai, kaun open kar sakta hai aur current account open karne ki process kya hai.

Current Account Kya Hota Hai?

Current Account ek aisa bank account hota hai jo business transactions ke liye use kiya jata hai.
Isme aap unlimited deposits & withdrawals kar sakte ho.

👉 Ye account saving account se alag hota hai aur zyada tar:

• Shop owners

• Businessmen

• Firms

• Companies

• Professionals (CA, Doctor, Lawyer)
  ke liye hota hai.

Current Account Kaun Open Kar Sakta Hai?

✔ Sole Proprietor
✔ Partnership Firm
✔ Private Limited Company
✔ LLP
✔ Trust / Society
✔ Freelancer & Professionals

Current Account Open Karne Ki Process

Bank Select Kare

Sabse pehle aap ye decide karein ki aap kis bank me current account open karna chahte hain:

• SBI

• HDFC Bank

• ICICI Bank

• Axis Bank

• PNB

• Any Private / Nationalized Bank

👉 Tip: Charges & minimum balance pehle check kar lena.

Required Documents Tayaar Rakhe

🔹 Individual / Proprietorship Ke Liye:

• Aadhaar Card

• PAN Card

• Passport Size Photo

• Business Proof (Shop Act / GST / Udyam)

• Address Proof

🔹 Firm / Company Ke Liye:

• PAN Card (Firm / Company ka)

• Registration Certificate

• GST Certificate

• Partnership Deed / MOA-AOA

• Directors / Partners ke KYC

• Address Proof

Account Opening Form Bhare

Bank branch jaakar ya online (agar bank support karta ho)
Current Account Opening Form bharen.

Form me:

• Business details

• Nature of business

• Expected transaction details
  fill karni hoti hain.

Initial Deposit Kare

Har bank ka minimum balance alag-alag hota hai.

💰 Example:

• ₹5,000

• ₹10,000

• ₹25,000 (bank pe depend)

Verification Process

Bank aapke:

• Documents verify karega

• Kabhi-kabhi physical verification bhi hota hai

Account Activate Ho Jayega

Sab kuch sahi hone par:

• Current Account activate

• Cheque Book

• Debit Card

• Internet Banking
  mil jati hai.

⏱ Time: 2 se 7 working days

Current Account Ke Fayde

✅ Unlimited transactions
✅ Business credibility badhti hai
✅ Cash handling easy hota hai
✅ GST & tax payments easy
✅ Online payments & RTGS/NEFT/IMPS support

Current Account Ke Charges (Important)

⚠ Saving account ki tarah interest nahi milta
⚠ Minimum balance maintain karna hota hai
⚠ Cheque bounce & non-maintenance charges lag sakte hain

Online Current Account Open Ho Sakta Hai Kya?

✔ Haan, kuch banks me online application possible hai
❌ Lekin final verification ke liye branch visit ya agent visit hota hai

Agar aap serious business kar rahe hain to Current Account open karna bahut zaroori hai.
Sahi bank choose karein, documents complete rakhein aur process follow karein – account asaani se open ho jayega.

👉 Aise hi useful business & finance related blogs padhte rahiye

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