Bank Account
Hone ke Lazawal
Faiday!

Kehte hain ke paisa haath ka meil hota hai. Paisa aatey hi kharchey bhi nikal aate hain. Is mehengai me paisey jor ke rakhna aik hunar hai. Savings ke kuch desi tareeqey hain jese gullak me paise dalna, safe me rakhna, almariyon ki daraz me rakhna, committee dalna. Aik aur tareeqa Bank account bhi hai. Pakistan mein community saving system aik ahem bunyaad hai kyun ke bohat se logon ke paas apne bank accounts nahi hain. Sirf 13 feesad Pakistani khawateen ke paas bank accounts hai, mardon ke 28 feesad ke muqablay.
Pakistan ki 75 feesad khawateen mulazmat pesh nahi hain. Ye gharelo khawateen apne shoharon aur dosray mard rishtedaaron ki aamdani par mukammal inhisaar karti hain. Mulazmat pesha khawateen me se sirf 16 feesad ka apna zaati account hai. Pakistan mein mutadid commercial bankon ne khawateen ke makhsoos bank accounts ka aaghaz kya hai jo kam aamdani wali khawateen ke liye tayyar kiye gaye hain. Ye sirf aik qaumi shanakhti card ke sath khole ja satke hain aur isey kholne ke liye koi raqam bhi darkar nahi hoti.
Ab apna zaati bank account kholna na sirf asaan hai bulkay is kay lazawal fawaid bhi hain.

Bank account aik mehfooz jagah hai jahan aap apna paisa zakheera kar sakte hain. Bank account kholne ka tareeqa ye hai:

● Aap apna shanakhti card or zariye amdan ka document/ saboot le kar apne qareebi bank jayein. Agar aap housewife hain toh apne shohar ya ghar ke mard ki amdani ka proof le kar jayein.
● Officer aap ko saving ya current me koi aik account muntakhib karne ko kahega. Saving account mein aap ki rakhi raqam par aapko sood milta hai. Or waqt ke sath, is mein izafa hota hai. Current account me aapka paisa jitna jama karte hain itna hi rehta hai. Is me sood ka koi amal dakhal nahi hota.
● Phir Bank officer aap ke biometric ( anguthe ke nishan) lega, form bhar ke uspe aapke dastakht lega or process karne ke baad aap ka account number dega.
● Or bas khul gaya aap ka bank account! Itna asaan amal hai.
● Bank account kholne ke baad bank aap ko aik account number aur baaz auqaat aik card (ATM card ya debit card) dega jis say aap kabhi bhi apne paiso tak rasai hasil kar saktay hain.
● Aap apne account me paise dal sakte hain (usay deposit karna kehte hain) aur is mein se paise nikal sakte hain, bilkul isi terhan jaisay aap gullak mein karte hain.
Apna bank account hone ke bohat se fawaid hain. Bank account mein paise rakhna ziyada mehfooz hai. Bank raqam ki chori ya nuksan se bachne ke liye mazboot hifazati iqdamat karta hai. Bank account rakhne se aap mustaqbil mein zaroorat parne par bank qarza le sakte hain.
Bank aisay tools aur apps faraham karta hain jo aap ko budget banane aur bachat ke ahdaaf ko set karne mein madad dete hain. Bank account ke zariye berone mumalik raqam bheji ya wusool ki jasakti hain. Wire transfer aur foreign currency exchange bain al aqwami lain dain aasaan banata hai. Bank account se aapko kharidari, khanay, ya safar par riayat ke sath sath maliyati masnoaat aur khidmat par khusoosi deals milti hain. Sarkari adayigyan bhi barah e raast bank khaton mein ki jati hain. Aap ki thankhowa ki adaigi, pension waghera bhi account me aati hai.
Is ke ilawa technology ke is dor me bank online banking ki sahulat faraham karte hain. Iski waja se aap kisi bhi waqt, kahin bhi branch ka dora kiye baghair apna balance check kar sakte hain, bil ada kar sakte hain aur accounts ke darmiyan raqam muntaqil kar sakte hain. RAAST bhi digital/online banking ki aik qisam hai jo bank ne mutaarif karai hai is se aap apne mobile se kisi ko bhi mulk mein kahin bhi paise bhej ya mangwa sakte hain. Ye aap ka kaafi waqt aur pareshani bachata hai.
Pakistanio ke maliyati dor se bahar rehne ki sab se aam wajah na kafi funds thi. Doosri wajah dastawizaat ki kami thi – ek aisa masla jis ka saamna khawateen aur nichle tabqay ke logon ko hota hai. Dastawizaat ki kami aur kam sharah khawandgi banking ko nichle tabqay ke logon ke liye uljhanay wali cheez bana deti hai. Maali ghple aksar ilmi khalaa ke shikaar logon ke sath hotey hain jo banking mein naye hain.
Saqafati aur mazhabi riwayaat bhi maliyati farq mein hissa daalte hain. Ziyada tar khandano mein mard kamanay walay ke tor par dekha jata hai, jis ki wajah se maaon, biwion aur betiyon ke alag alag bank accounts nahi hote. Guzashta teen dahaiyo ke douran Pakistani labor force mein khawateen ki shirkat me izafa hoa hai jis se wo maeeshat mein apna hissa dal sakti hain.
Agar aapke paas pehle se koi account nahi hai to aaj hi aik kholne par ghor karen. Yeh aap ke maali mustaqbil ke liye aik zabardast iqdaam sabit hoga.Mirgi sada lafzon me dimagh ka aik arza hai Jo bar bar doron ka bais banta hai. Ye dorey dimag me ek barqi sargarmi ki waja se hote hain. Tasawur karein ke dimagh ek pechida control center hai jis mein barqi tehreekon ke zariye guftagu hoti hai. Mirgi mein, ye tehreekein ghalat ho jati hain, jis ki waja se dore parte hain. Yeh yaad rakhna zaroori hai ke sab doron me aakship shamil nahi hoti matlab sab dorey hilne wale nahi hote. Kuch dorey sirf hypnotize karne ya lamhaati uljhan ke tor par zahir hosakte hai. waja se bhi zahir hote hain. Doron ki shiddat aur taadad ek shakhs se doosre mein mukhtalif ho sakti hai. Epilepsy (Mirgi) ko samajhna, is se wabasta badnuma daag ko door karne ki taraf pehla qadam hai. Duniya ke deegar hisson ki tarhan Pakistan me bhi Mirgi ke hawale se ghalat fehmiyan payi jatein hain. Kuch log isay maaffoq ul fitrat (supernatural) qoowaton ka natija ya pichle gunahon ki saza samajhte hain. Ye ghalat fahmiyan aksar mirgi ke marizon ke liye imtiazi sulook aur tanhai ka bais banti hain. Mirgi ke aalmi din logon ko is bimari ki niyat or asal haqeeqat se
mutalliq aagahi di jaati hai iss baat par zor dete hoye ke Mirgi ek tibi marz hai jis ko munasib ilaaj ki zaroorat hai. Mirgi se mutalliq aagahi muhim (Epilepsy awareness campaign) logon me shaoor paida karne or iski acceptance ko frog dene me ahem kirdar nibhate hain. Pakistan mein, jahan saqafati awaid Mirgi ke gird tanqeed ko barhne mein hissa daalte hain, wahan samajh o fahem aur hamdardi ko frog dene wale iqdmat zaroori hain. Awami aelanat, school ke programs aur community workshops ek ziada bakhabar aur maawin mashrey ki
tameer mein apna hissa daal sakti hain. Inka maqsad na sirf aam logon ko taleem dena nahi, balkay Mirgi me mubtala logon ko ba ikhtiyar bana hai, inki hosla afzai karna hai.

Jab baat ilaj ki aati hai, to Pakistan mein rasaai ek ehem tashweesh hai. Sehat ki dekh bhaal, khaas kar dehi ilaqon mein, Mirgi ke mamlaat ko sanbhalne ke liye kafi nahi hoti. Mazeed ye ke neurology mein maharat rakhe wale tibi amle ki kami hai. Inhi wajohat ki bina pe Pakistan mein Mirgi ke shikar bohat se afraad ko bar waqt or munasib tibi dekhbaal tak rasai me mushkilat ka samna hai.

Mirgi ki adwiyat mirgi ke ilaaj ki bunyadi shakal hain. Yeh adwiyat dimagh mein barqi sargarmi ko munazzam karne mein madad karti hain, doron ke imkanaat ko kam karti hain. Taham, adwiyat tak musalsal rasai bohat zaroori hai, aur ilaaj mein rakawaten doron ki takraar ka baais ban sakti hain. Khas tor par daur daraaz ilaqon mein adwiyaat ki musalsal farahmi ko yakeeni banana Pakistan mein mirgi ki rok tham ka aik aham pehlu hai.

Adwiyaat ke ilawa, kuch mamlaat mein jarrahi mudakhlat ya mutabadil ilaaj ki zaroorat par sakti hai. Bad qismati se, yeh options Pakistan mein har kisi ke liye aasani se dastyab nahi ho hote.

Mirgi ki khusoosi nighdasht tak rasai ke khalaa ko khatam karna is halat mein rehne wale afraad ke miyaar zindagi ko behtar bananay ke liye zaroori hai.
Mirgi ka aalmi din mutassira afraad ki zindagi ko behtar banane ka aik qeemti mauqa faraham karta hai. Pakistan mein, jahan mirgi ka phelao numaya hai, bedaari, ilaaj aur samaji tasawurat mein mushkilat se nimatna sab se aham hai. Is marz se jure khurafaat ko dur karne, sehat ki dekh bhaal tak rasai ko behtar bananay aur un logon ki shamoliat ko farogh dainay se aik aisa muashra tashkeel hoga jahan mirgi ke mareez baghair kisi khauf aur imtiaz zindagi guzaar satkein.