बैंक डूबने के बाद ग्राहकों के पैसों का क्या होता है

आख़िर बैंक में डूबे ग्राहकों के पैसों का क्या होता है , आये दिन दुनियां में कोई न कोई बैंक डूबती रहती है ऐसे में

यह जानना ज़रूरी है की बैंक बर्बाद होने के बाद हमारें पैसों का क्या होता है, दरअसल हाल ही में अमेरिका में एक बैंक डूबने की वजह से यह सुर्ख़ियों में

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बना हुआ है, हालाँकि बैंक डूबने पर अलग-अलग देशों का अलग-अलग नियम है, ऐसे में भारत में सरकार ने डूबने वाली बैंकों

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में खाताधारकों के लिए डिपाजिट इंश्योरेंस कवर को 5 लाख रूपए कर दिया है जो की पहले 1 लाख रूपए था. यानी की

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डूबने वाली बैंक में अकाउंट रखने वाले ग्राहकों का 5 लाख रूपए सुरक्षित होता है. देश में डिपाजिट इंश्योरेंस एंड क्रेडिट गारंटी कारपोरेशन

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रिजर्व बैंक के अधीन इस नियम के तहत ग्राहकों को यह सुविधा देती है, या डिपाजिट बैंक के लाइसेंस रद्द होने के पर दिया जाता है.

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हालाँकि अमेरिका में यह नियम अलग है वहां पर बैंक डूबने के बाद ग्राहक अपने कुल जमा में से 2.5 लाख डॉलर तक

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अमाउंट गारांटेड के तौर पर पा सकते हैं, बैंक डूबने की स्थिति में फंसी हुई राशि को रिकवर करने की सहूलियत देती है.

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