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रिझर्व्ह बँक ऑफ इंडियाने कार्डशिवाय एटीएममधून पैसे काढण्यासाठी केला नवा नियम जारी

Byरिपोर्टर टुडे न्यूज

May 21, 2022 , ,
रिझर्व्ह बँक ऑफ इंडियाने कार्डशिवाय एटीएममधून पैसे काढण्यासाठी केला नवा नियम जारी
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आता तुम्हाला कार्डशिवाय कोणत्याही बँकेच्या एटीएममधून पैसे काढता येणार आहेत. रिझर्व्ह बँक ऑफ इंडियाने कार्डशिवाय एटीएममधून पैसे काढण्यासाठी नवा नियम जारी केला आहे. देशातील सर्व बँका आणि एटीएम मशीनमध्ये ही सुविधा उपलब्ध असेल. फसवणूक रोखण्यासाठी रिझर्व्ह बँक ऑफ इंडियाने बँकांना एटीएममधून कार्डविरहित पैसे काढण्याची परवानगी देण्यास सांगितले आहे. १९ मे च्या अधिसूचनेत रिझर्व्ह बँकेने लिहिले की “सर्व बँका, एटीएम नेटवर्क आणि WLAOs (व्हाइट लेबल एटीएम ऑपरेटर) त्यांच्या एटीएम मध्ये ICCW (इंटर-ऑपरेबल कार्ड-लेस कॅश विथड्रॉवल) पर्याय देऊ शकतात’. त्यात पुढे म्हटले आहे की नॅशनल पेमेंट्स कॉर्पोरेशन ऑफ इंडियाला (एनपीसीआय) सर्व बँका आणि एटीएम नेटवर्कसह युनिफाइड पेमेंट्स इंटरफेस (यूपीआय) एकत्रीकरण सुलभ करण्यासाठी सल्ला देण्यात आला आहे.

 

आरबीआयची योजना काय आहे?
रिझर्व्ह बँकेने १९ मे २०२२ रोजी एक परिपत्रक जारी करून सर्व बँकांना ही सुविधा लवकरच सुरू करण्यास सांगितले आहे. युनिफाइड पेमेंट इंटरफेस (यूपीआय) द्वारे ही सुविधा मिळू शकते. आजच्या जेव्हा ऑनलाइन फसवणूक वाढत असताना डिजिटल व्यवहार सुरक्षित कसे करण्याचा आरबीआयचा हा प्रयत्न आहे.

 

कशी आहे ही यंत्रणा?
बँकेच्या एटीएममधून पैसे काढण्यासाठी आता कार्डची गरज भासणार नाही. ही सुविधा देशभरात २४×७ उपलब्ध असेल. ही सुरक्षित पैसे काढण्याची पद्धत आहे. या प्रणालीद्वारे मोबाईल पिन तयार करावा लागेल. कार्ड न वापरता पैसे काढण्याच्या सुविधेत व्यवहार यूपीआय द्वारे पूर्ण केला जाईल. स्वतःहून पैसे काढल्यावरच ही सुविधा मिळेल. सध्या सर्व बँकांमध्ये ही सुविधा नाही. तसेच व्यवहाराची मर्यादाही असेल.

 

कशी काम करेल ही यंत्रणा?
मोबाईल आणि इंटरनेट बँकिंग असलेल्या बचत खातेधारकांना ही सुविधा उपलब्ध होणार आहे. काही बँकांनी या सुविधेला परवानगी दिली आहे. बँकेने बसवलेल्या कार्डलेस एटीएममध्ये जाऊन फक्त मोबाईलवर मिळालेला कोड लिहा. अशा व्यवहारांची मर्यादा ५ हजार ते १० हजार रुपये आहे.

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