 |
| csp new update 2021 |
Bhul Ke bhi Na Lena MINI BANK ka CSP
Aaj kal har koi ek Mini Bank lekar usme beithe beithe mahine me 50 hajar 1 lakh kamaunga eisa khwab dekhte hain or ajadi ki jindagi jiunga gadi motro 4 wheler najane kya kya sochte hain. Lekin meri salah lo to apko Mini Bank nahi lena chahiye or fir bhi apko lag raha ki Mini Bank hi apko lena hai to ye Article ko apko ek bar padhna chahiye. Kyun k me karib 10 saalon se Mini Bank chala raha hun or sare angle se sochne ke baad hi apko ye sab bata raha hun.
Sab sochte hain, har koi sochta hai sayad aap bhi sochte honge ek Mini Bank kholunga or dher sara paisa kamaunga or apne sapne pura karunga apne parivar ko khush dunga sab sochte hain isme koi kharab kuch nahi hai fact hai. Eisa sabk lagta hai ek Mini Bank leke usme Cash Withdrawa karunga, Account open karunga customer ka, Money Transfer karunga, Insurance karunga or khud commission milega eisa sabka sochna hai or sahi baat bhi hai. ek CSP kholne ke baad aapko customer ke paas nahi jana padta balke customer apko dhundte huye ate hain or apko kamai karne ka mauka bhi dete hain Or agar apke paas ek Laptop, ek Mobile, Internet to hota hi hai sab ke paas or apko sirf finger print scanner device lena hota hai jo 3 se 4 hajar ke bich me aa jata hai.
Lekin ye sab sochna asan hai jab aap practical ho jayenge to ye sab kuch nahi hota.
Real Facts:
Asal me problem kahan ati hai. Maan lo aapne Mini Bank le bhi liye or start bhi kar diye fir ..........
- Abhi kya ho raha hai ki Bank apko direct Mini Bank kholne ke permission nehi deta. Abhi Individually apko CSP kholne ka Bank allow nahi karta.
- Ye sab pehle hota tha. Sidhe hi Bank se permission lekar ek CSP kholke kafi sara earning bhi hota tha. Us waqt sirf commission hi apko 40 se 50 hajar mahina milta tha abhi k economy hisab se.
- Lekin abhi apko ek Company ke through hi Mini Bank kholna hota hai. Lekin Company bhi apko sidhe eise hi nahi deti permission pehle apko apna minimum +2 Qualification ka Certificate submit karna hota hai, fir apko ek Banking Exam (IIBF) clear karna hota hai, fir apko Police Verification Report banwana hota hai fir apko Company permission degi ek Mini Bank kholne ke liye.
- Abhi ke Commission ki baat karen to apko Bank ki taraf se Commission milti to hai magar sidhe bank nahi deti apko Company apna 25% se lekar 40% tak commission cutt karke baki ka paisa apko deti hai. Pehle sidhe Bank apko commission deti thi bich me Company nahi tha. Abhi apki kamai ka to main hissa to Company hi le ja rahi hai.
- Abhi Cash ki baat: Jab koi bhi Govt. Schemes ka benefit logon ke account kuch paise deposit hote hain to wo apke paas ate hain Cash Withdrawal karne ke liye lekin thik samay me apko Bank Cash nahi deta. Cash Not Available. Fir jab logon ko paiso ki jarurat na ho or unki account khali ho to apko Bank paise dene ke liye agree hote hain. Ab paise leke kya karoge. Customer hi nahi ayenge to paise ka kya karoge. Jab kamane ka time tha tab to Bank bola No Cash ab kya ?
Pressure:
Abhi apko apne Adhikari/Officer ki taraf se pressure ata hai ki apko is mahine Atal Pension Yojana (APY) itna karna hai. Abhi aap customer ko samjhaoge to kuch customer to eise hain jo bolte hain. 60 saal tak paise jama karunga fir kya gyarantee hai ki utna din me jiunga. Uske aap samjhao ki aap maroge to apko family ko benefit milega tab wo kahta hai tum to mujhe marne me tule huye ho. Eise customer ko aap kaise handle kar sakte ho. Agar jabardasti karoge to jhagde me fasoge nahi upar se bolenge apko APY itna nahi hua to Code band kar denge CSP band kar denge. Ab kya karoge ?
Target: APY,PMJJVY, PMSBY, ATM Activation, Account Opening etc. Ye sab apko karna hai apne kaam karne ke alawa.
Fir apko lage chalo yar kuch Extra kaam kiya jaye jaie Recharge, Typing, Online Works, Online Ticket Booking etc tab kya hota hai..?
- Log ayenge apke paas Balance Enquiry karne ke liye or wo tab tak nahi jayenge apko dukan se jab tak unke account me kitna balance hai aap banata na do. Or ye sab kuch logon me nahi khatm hota din bhar chalta hai.
- Or agar kuch customers ka account se galti se kuch rupaye cutt huye hain kis wajah se to apko bolenge bhai isme mera paisa tha kaise cutt hua jara pura saal ka details nikalo, jab tak unki problem ka solution nahi milta wo apke dukan me badbadate rahenge lekin aap kuch nahi kar sakte.
- Kuch logon ka Balance Enquiry karte waqt finger kaam nahi karta, wo 5 se 10 baar karne ke liye kahega jab tak ki balance na pata chale tab tak try karo bolege or apko karna hi padega nahi to apki kheir nahi. Kyun ki unki account to aap hi ne khole the na.
- Jitna mehnat apko Cash Withdrawal karne ke liye lagta hai utna hi mehta apko Balance Enquiry karne me lagega or apko karna hi padega.
Risk:
Ab apka har dina ka kaam hai Bank se Paise lane ka. daily jao bank or paise lao fir kaam suru karo ye apko daily work hai. Ab din wa din Luteron ka qahar jyada hi badh raha hai. Usko pata hai aap din me kab jate ho kab ate ho kahan se ate ho sab kuch pata hai usko sab malum hai. Ye alag hi tension hai ki ab chor se bhi apko chupke ana hain kyun ki din me aap 2 lakhs 3 lakhs ek baar lane jate hi hoge apne punji jitna hai uske hisab se to ye lutero se bhi apko bachke hi ana hota hai nahi to 1 - 2 saal ka mehnat ka ek jhatke me paar ho jayega. Abhi apko 1 lakh ki piche kamai kitni hogi 200 rupaye 250 rupaye or Risk kitna Full. Or is kamai se bhi Company lega fir jo bachega wo apka.
Extra Work:
Ye sab kaam karne ke sath sath apko sab Register bhi maintain karna hoga. Abhi to standard register aa chuka hai jahan apko puri details se cash withdrawal ka sab kuch likhna hoga. Customer Name, Account No., Amount, Reference ID, Customer signature apko ye sab karne ke liye alag se ek employee rakhni hi padegi or uski salary alag se deni padegi. Fir Account Opening Register, RD Register, Visiting Register, Complaint Register, ATM Activation Register, Passbook Distribution Register ye sabhi Registersk ko har time maintain bhi karna hota hai. Fir jab aap Cash Withdrawal, Money Transfer karoge to har time Rasid bhi customer ko dena hi hai or ek copy apne paas rakhna hai. Itne kaam karte karte apke haat me kya bachega fir bhi aap Extra paisa nahi mang sakte nahi to apke Code ko to band karenge hi or sath me apke khilaf Legal Action bhi liya jayega.
Mera Salah (My Opinion):
Apko aankh band karke koi bhi AEPS Company aaj kal kafi sare aa chuke hain jaise Spice Money, Paynear By, Fino Payment Bank, RNFI ya fir aap CSC ka bhi Digipay use kar sakte ho isme bhi commission achha rahta hai.
Earning:
Abhi apko yahan earning itni hogi aap soch bhi nahi sakte. Me apko nahi kahunga ki aap extra paisa mango customer ko lekin eisa ho raha hai generally jab bhi kisi dukan se aap Cash Withdrawal karte ho or even me bhi kabhi kabar karta hun bahar Cash Withdrawal har 1000 par apko 10 rupees dena padta hai ab batao aap yahan kitni kamai hai. har 1 lakh par apko 1000 ki sukha kamai or agar aap 4-5 lakhs daily dete ho to daily ka 4 se 5 hajar ka income wo bhi commission ko chhod kar extra kamai ho gaya. Ab bataon itna kamai me kya aap 2 wheeler 4 wheeler nahi le sakte. Ab Bank se bhi aap aram se paise la sakte ho bina tension. Or abhi apko Risk hoga bhi to Risk lene me maja ayega kyun ki apki kamai badh chuki hai ab apne sapne ko asani se pura kar sakte ho. Abhi earning bhi jyada to aap Bank late samay khatra dikhe to aap 4 wheeler le kar bhi paise lane jaa sakte ho kyun ki kamai badhi ho to Risk bhi to badhegi hi.
Lekin Mini Bank walon ke liye Risk lena thik bhi nahi kyun ki kamai to utni nahi or wo punji bhi lutero ne leli to bachega kya thenga. Yahan apko private sector me koi bhi pressure bhi nahi na koi extra jhamela, na APY na PMSBY na PMJJVY or na hi kuch. Bina Tension ke aap aram se kaam kar sakte ho.
Jab apka Mini Bank karna ho to apko Application de kar approve karwana hota hai lekin yahan jab chaho kholo or jab chaho band karo.
Mere hisab se koi bhi private sector ki AEPS Company jo bhi apke area me support thik hai aap use prefer kijiye or Mini Bank ki chakkar me mat padiye kyun ki yahan apki sari kamai Company hi le lengi to aap kya kamaoge or tension jhelo bahut wo alag se.
Apko ye Article pasand aye to humare Technical Meher Android App ko Playstore se download kar sakte ho or apke man me koi bhi sujhao hai to niche comments bhi kar sakte ho.
0 Comments