Bank locker ek safe jagah hoti hai jahan log apne important documents, jewellery, ya valuable items rakhte hain. Lekin 2025 mein bank locker ke rules mein kuch naye changes laaye gaye hain jinke baare mein har customer ko jaankari hona bahut zaroori hai. Agar aapka kisi bhi bank mein locker hai ya future mein lena chahte hain, toh yeh article aapke liye bahut helpful hoga.
1. Naye Rules Kya Kehte Hain?
Reserve Bank of India (RBI) ne bank lockers ke rules ko update kiya hai. Ab banks ko zyada responsibility leni hogi locker security aur customer safety ke liye. Agar bank ki taraf se koi negligence hoti hai aur locker ka nuksaan hota hai, toh bank ko uska compensation dena hoga.
2. Agreement Hoga Mandatory
Har locker holder ko bank ke saath ek agreement sign karna hoga. Yeh agreement RBI ke model format ke hisaab se hoga jisme dono parties ke rights aur duties clearly likhe honge. Bina agreement ke locker facility continue nahi ki jaa sakti.
3. CCTV Monitoring Ab Compulsory
Locker room mein CCTV surveillance ab mandatory hai. Banks ko locker access ki puri video recording rakhni hogi kam se kam 180 din tak. Agar kisi customer ko kisi bhi tarah ka dispute hota hai toh wo recording use ki ja sakti hai.
4. Annual Rent Aur Charges
Locker ke liye annual rent dena hota hai jo locker ke size aur location par depend karta hai. Agar koi customer timely rent pay nahi karta, toh bank unka locker access rok sakta hai aur kuch cases mein locker cancel bhi ho sakta hai. Isliye timely payment zaroori hai.
5. Nominee Ka Role
Ab har locker ke saath nominee banana mandatory hai. Agar locker holder ki death ho jaati hai, toh nominee asaani se locker access kar sakta hai. Bina nominee ke legal process lamba aur complicated ho sakta hai.
6. Locker Use Policy
Bank locker ko illegal activities ke liye use karna mana hai. Bank ko pura adhikaar hai ki agar unhe kisi bhi misuse ka doubt ho, toh wo authorities ko inform kar sakte hain. Transparent aur honest usage hi safety ka base hai.
7. Access Frequency
RBI ke naye rule ke mutabik agar koi customer 7 saal tak apne locker ko access nahi karta, toh bank us locker ko dormant declare kar sakta hai. Aise case mein special notice ke baad hi access milega.
8. Insurance Ka Option
Ab banks customers ko suggest karte hain ki wo apne locker ke valuables ka insurance bhi karvaayein. Agar kisi bhi situation mein loss ho jaata hai, toh insurance cover kaafi helpful hota hai.
Savdhaani Aur Jaankari Dono Zaroori
Bank locker lena ek responsible decision hai jisme safety aur legal process dono ka dhyaan rakhna zaroori hai. Naye rules transparency, accountability, aur customer protection ko priority dete hain. Agar aap ek locker holder hain ya future mein locker lena chahte hain, toh in rules ki jaankari rakhna aapko unnecessary problems se bacha sakta hai.
