About IFSC,MICR AND SWIFT CODE—Hindi Mai

             Hello doston aapko mere Science & Technology blog mai swagat hai. Mai aapka dost Bhabani fir se Aagaya hun ek naya topic leke. Aapka aagar bank mai account hoga to aapko pata hoga ki Passbook mai IFSC and MICR code reheta hai. Aaj mai inka use aur bahut kuch batane jaa raha hun aur SWIFT code ke bare v batane jaa raha hun. Jinko nei pata hai ye isko padhe aur jinko pata hai wo v padhe. Aur ye aapke liye bahut fayide man hoga. Chaliye start karte hai-

IMPORTANT CODES USED IN BANKING:-
BANK


            
            1- IFSC CODE
            2- MICR CODE 
            3- SWIFT CODE 

1》 IFSC CODE:-

                 IFSC stands for Indian Financial System Code. Ye ek alpha numeric code hai. Jab v aap online mai kisiko money transfer karte hain to IFSC code jarurat padta hai aur NEFT System mai v jarurat padta hai. Ye ek 11 digit la code hai aaiye uske baare mai details mai janenge.
         [First 4digit jo ki Bank ko represent karta hai.
         Then 5th digit control no. hota hai jo '0' hota hai.
         Last 6digit Bank ke Branch ko represent karta hai]
        Chaliye mai Example deke samjata hun-

Ex- SBIN0007020 
         'SBIN'—jo ki SBI Bank ko represent karta hai.
         '0'—jo ki control code hota hai
         '007020'—ye hai SBI ka Branch code hai I.e (SME, Balasore)
Ye aapke Passbook mai hota hai.

2》 MICR CODE:-

           MICR standa for Magnetic Ink Character Recognition. Ye v ek numeric code hai jo ki 9 digit ka code hata hai. Isko hum Electronic clearing scheme I.e Cheque mai use hota hai. Cheque ke niche hota hai ye 9digit ka code. Ye 9 digit code 
     1st 3digit—City ko belong karta hai
     2nd 3digit—Bank ko belong karta hai
     3rd 3digit—Branch ko belong karta hai 
Ye v aapke Passbook mai hota hai. Aagar nei honge to jarur dekhiyega. 

3》 SWIFT CODE:-
MONEY


          SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. Ye Internationally money transfer karne keliye use hota hai. Aap manlijiye ki aapko India mai se money transfer karna hai kisi dusre country ko to usme swift code ka use hai. Suppose SBI ko USA ke kisi bank ko money transfer karna ho to wo SWIFT code ke though transfer karsakta hai. Wese hi dusre desh mai v aagar India ko paisa bhejna hoga to uss code ka use karna padta hai. Har ek Branch ka alag alag SWIFT code hota hannahan par ki Internationally paisa mangaya jasakta hai. India ne 74 SWIFT network ko join kiya hai. Bahut sare logon ko pata nei hai ki SWIFT CODE kya hai ye hamare Branch mai hai ya nei. SWIFT code ko BIC code kahajata hai. BIC stands for Bank Indentifier Codes. Jo log Internationally money transfer kar rahe honge unko pata hoga SWIFT ko BIC code v kaha jata hai. Inko ISO (International Organization for Standardization) approved karta hai.
         Ye ek 11digit ka code hai kisi v bank ke Branch ko 11digit ka code assign kiya jata hai. Chaliye mai Example deke samjata hun.

Isme 1st 4digit—Bank ko represent karta hai.
         2nd 2digit—Country ko represent karta hai.
        3rd 2digit—Location ko represent karta hai. 
        4th 3digit—Branch code ko represent karta hai. 
Ex—ALLAINBBBOB(Allahabad Bank, Bandra Branch)
ALLA—Bank(Allahabad)
      IN—Country(India)
     BB—Location(Bombay)
  BOB—Branch(Bandra)

Kavi kavi ye 8digit v hota hai. Ye sirf Primary Bank ke liye hota hai jo bank ka Head Branch hota hai to usko 8digit ka SWIFT code diya jata hai. Isme Branch code nei hai. Jese ki 
Ek— ALLA-Bank
               IN-Country 
               BB-Location
        Bahut sare chote Branch hote hain jisko SWIFT code nei hota hai. Aapke man mai sawal aaraha hoga ki SWIFT CODE ke bina hum Internationally paisa transfer kese karenge. Kya humko dusre Branch mai account transfer karna padega jisme Internationally money transfer hota ho. Ji nei aap aapne nearest Branch jo ki Internationally money transfer karta hai usska SWIFT code desakte hain. Ye aapko Customer Care se call karke pata laga sakte hai ki aapke nearest SWIFT code Branch kahan available hai. Aap wahan ka code dedijiyega dene ke baad account number ko track karke aapke account mai paisa aaya ki nei check karsakta hain.

Also Checkout Click Here

          Aaj keliye bass itna hi I hope ki aapki thoda bahut information milgaya hoga IFSC,MICR AND SWIFT CODE ke bare main. Aap ishe share kijiye taki dusron ko v pata chal sake iske bare mai aur wo unko v information milsake. 

                                    

Post a Comment

Please do not enter any spam link in the comment box

Previous Post Next Post