UPI aur digital payments
Short mein jawab
Paisa cash, cheque, debit card, net banking ya UPI se bheja ja sakta hai. Cheque mein bank jaana padta hai aur samay lagta hai; electronic bhugtaan turant hote hain. NPCI ka 2016 ka UPI phone se QR code ya phone number ke zariye paisa bhejta hai. Digital bhugtaan aasaan hai, par OTP ya PIN kabhi share mat karo.
Koi sawal atak gaya? Photo lo, Lagnever AI step-by-step samjhayega. 7 din ka trial sirf ₹2. Google Play se app lo
Bhugtaan ke saadhan aur systems
Payment modes aur systems financial infrastructure ka mukhya hissa hain: ye ek vyakti se doosre tak paisa pahunchaate hain. Puraane saadhan cash aur cheque hain. Debit card, net banking aur Unified Payments Interface (UPI) naye hain, aur UPI tez aur aasaan hone se sabka pasandeeda ban gaya hai.
Paisa nikaalna
Tum withdrawal slip bharkar bank ke cash counter pe de sakte ho. Ya bank ka diya debit card ATM mein istemaal kar sakte ho, jo din-raat chalne waali self-service machine hai, bus depot, bazaar, railway station, airport aur mall mein. Card daalo, apna gupt PIN (4 se 6 ank ka code) daalo, raqam likho aur cash le lo.
Cheque se bhugtaan
Cheque se tum apne bank khaate se seedhe kisi ko paisa de sakte ho. Apne dost Rohan ko ₹5,000 dene ke liye tum taareekh, uska naam, raqam shabdon aur ankon mein likhte ho aur sign karte ho. Rohan use apne bank mein jama karta hai; raqam tumhaare khaate se debit aur uske khaate mein credit hoti hai. Cheque ke liye bank jaana padta hai aur samay lagta hai.
Card aur net banking
Electronic bhugtaan se paisa turant jaata hai. Dukaan pe debit card POS (point of sale) machine mein swipe ya insert kiya jaata hai; raqam daali jaati hai aur grahak PIN daalta hai, aur paisa usi samay khaate se kat jaata hai. Net banking se, bank ki website ya app pe, khaata dhaarak computer ya phone se balance aur pichhle len-den dekh sakte hain aur paisa bhej sakte hain.
UPI: duniya ko India ka tohfa
Pehle paisa bhejne ke liye cheque bharkar bank mein daalna padta tha, isliye kai log bank se bachte the aur cash pe chalte the, aur bahut saara paisa bina hisaab ke ghoomta tha. 2016 mein National Payments Corporation of India (NPCI) ne UPI shuru kiya. BHIM (Bharat Interface for Money) jaise apps isse QR code ya phone number se paisa bhejte hain, aur passbook update kiye bina balance aur pichhle bhugtaan dikhaate hain.
Jab Kumar, Piyush se sabzi khareedta hai, to wo Piyush ka QR code scan karta hai, raqam daalta hai aur phir apna UPI PIN. App request Kumar ke bank ko bhejta hai, jo use NPCI ko deta hai. NPCI use decrypt karta hai, PIN jaanchta hai aur transfer karta hai; Piyush ke bank ko paisa milta hai aur wo uske khaate mein aa jaata hai, sab kuch seconds mein.
COVID-19 mahaamaari mein, jab logon ko doori rakhni thi, UPI ne bina cash ke bhugtaan ko lokpriya bana diya, aur ye kai bhaashaaon mein chalta hai. 2022 mein Nepal ise apnaane waala pehla desh bana; UAE, France, Sri Lanka, Bhutan aur Mauritius ne bhi apnaaya hai.
Dhokhe se bachaav
Digital bhugtaan ke saath naye jaal bhi aaye hain. Dhokhebaaz nakli call ya message bhejkar logon se nuksaandaayak app daalwaate hain ya bank ki jaankaari aur OTP (one-time password) puchh lete hain, aur phir khaate khaali kar dete hain. OTP, PIN, password ya khaata number kabhi ajnabi ko mat batao, anjaan link mat kholo, aur PIN phone mein mat rakho. Dhokha ho jaaye to 1930 helpline pe call karo ya National Cybercrime Reporting Portal, cybercrime.gov.in, pe report karo.
Ye kyun zaroori hai
Digital bhugtaan samay bachaata hai aur hisaab rakhta hai, bas tum saavdhaan raho. Tumhaare khaate ka paisa kahan se aata hai ye bank kaise kaam karte hain mein dekho, aur bachat ka nivesh share market kya hai mein. Textbook ke sawaalon ke jawab Part 2 Chapter 8 ke NCERT solutions mein hain; poore Part 2 Chapter 8 ke notes dekho.
Practice karo
-
ATM se cash nikaalne ke liye kya chahiye?
Jawab dekho
Jawab: (b) Debit card aur uska PIN
-
2022 mein India ke bahar sabse pehle UPI kis desh ne apnaaya?
Jawab dekho
Jawab: (b) Nepal
-
UPI bhugtaan mein UPI PIN kaun jaanchta hai aur transfer kaun karta hai?
Jawab dekho
Jawab: (b) NPCI
-
COVID-19 mahaamaari mein UPI kyun lokpriya hua?
Jawab dekho
Jawab: Sankraman rokne ke liye logon ko doori rakhni thi. UPI se bina cash diye, sirf QR code scan karke bhugtaan ho jaata tha, aur kai bhaashaaon mein hone se ye sabke liye aasaan tha.
-
Digital bhugtaan surakshit tareeke se kaise karein?
Jawab dekho
Jawab: Suvidha ke liye istemaal karo par seedhe niyam maano: OTP, PIN ya password kabhi share mat karo, anjaan link mat kholo ya ajnabi ke kehne pe app mat daalo, bhugtaan se pehle naam jaancho, aur dhokha ho to turant 1930 ya cybercrime.gov.in pe report karo.
Students ke sawal
Bank khaate se paisa kaise nikaalte hain?
Withdrawal slip bharkar bank ke cash counter pe do, ya bank ka diya debit card ATM mein istemaal karo: card daalo, PIN daalo, raqam likho aur cash le lo. ATM bus depot, bazaar, station, airport aur mall mein kisi bhi samay chalte hain.
UPI bhugtaan kaise hota hai?
Khareedaar payment app se bechne waale ka QR code scan karta hai, raqam daalta hai aur phir UPI PIN. App request khareedaar ke bank ko bhejta hai, jo use NPCI ko aage bhejta hai. NPCI PIN jaanchkar transfer karta hai, bechne waale ke bank ko paisa milta hai, aur wo uske khaate mein pahunch jaata hai.
Cheque kya hai?
Cheque tumhaare bank ko kaagaz pe likha aadesh hai ki tumhaare khaate se kisi ko paisa do. Tum taareekh, paane waale ka naam, raqam shabdon aur ankon mein likhte ho aur sign karte ho. Paane waala use apne bank mein jama karta hai; raqam tumhaare khaate se debit aur uske khaate mein credit hoti hai, jismein samay lagta hai.
Koi sawal atak gaya?
Photo lo, Lagnever AI step-by-step samjhayega. 7 din ka trial sirf ₹2.
Google Play se app lo Browser mein kholo
Parents ke liye: trial ke baad plan har mahine UPI ya card autopay se renew hota hai. App mein kabhi bhi cancel kar sakte hain.