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कटे-फटे, गले नोट पास में पड़े हैं तो यह नियम जान लें

February 14, 2023
Ranghosh News
996 Comments

— हो जाएंगे टेंशन फ्री

आपके पास यह रास्ता बेहद आसान है कि आप अपने नजदीक के किसी बैंक में जाकर नोट बदलने के लिए कह सकते हैं. आरबीआई ने ऐसे नियम बना रखे हैं. बता दें कि रिजर्व बैंक ने एक सर्कुलर में कहा था कि अगल बैंक खराब नोट बदलने से इंकार करते हैं, तो उनपर 10 हजार रुपये का जुर्माना लग सकता है. ये नियम बैंकों की शाखा पर भी लागू होता है.

 रणघोष अपडेट. देशभर से

आप बाजार में सब्जी लेने गए हों या फिर कोई सामान खरीद के ला रहे हैं तब आपको वापस आने पर पता चलता है कि आप गलती से किसी से फटा नोट लेकर आ गए हैं. अब घर में आपको अफसोस होता है कि आखिर अब इस नोट का क्या होगा. कैसे ये नोट चलेगी. आप प्रयास भी करते हैं किसी दुकानदार को देने की लेकिन वह टोक देता है, भाई साहब नोट फटा है या खराब है दूसरा दे दीजिए. अब आपको दिक्कत होती है कि क्या करेंगे.रास्ता साफ है कि आपको बैंक जाना चाहिए. आप इस रास्ते पर जाने से डरते हैं कि कहीं बैंक में किसी प्रकार का जुर्माना न लगा दे, कहीं बैंक वाले सवाल जवाब न करें. कहीं देश की करेंसी को नुकसान पहुंचाने का अपराध न लग जाए… तमाम तरह के सवाल आपके मन में आते हैं और रास्ता नहीं सूझता. आपको बैंक मना नहीं कर सकता है. बैंक को आपको नोट बदलकर देना होता है. आपके पास यह रास्ता बेहद आसान है कि आप अपने नजदीक के किसी बैंक में जाकर नोट बदलने के लिए कह सकते हैं. आरबीआई ने ऐसे नियम बना रखे हैं. बता दें कि रिजर्व बैंक ने एक सर्कुलर में कहा था कि अगल बैंक खराब नोट बदलने से इंकार करते हैं, तो उनपर 10 हजार रुपये का जुर्माना लग सकता है. ये नियम बैंकों की शाखा पर भी लागू होता है. जानकारी के लिए बता दें कि भारतीय रिज़र्व बैंक (नोट वापसी) नियमावली, 2009 बाकायदा एक कानून बनाया गया है. यह रिजर्व बैंक की साइट पर उपलब्ध भी कराया गया है. इस कानून के तहत विस्तार से हर पहलू पर गौर किया गया है.इसकी प्रस्तावना में कहा गया है, ‘रिज़र्व बैंक अपने सभी निर्गम कार्यालयों तथा वाणिज्य बैंकों की मुद्रा तिजोरी शाखाओं में कटे-फटे और विरूपित नोट बदलने की सुविधा जनता को प्रदान करता है. नोट वापसी नियमावली को समझने एवं उसके प्रयोग को आसान बनाने के लिए, इन नियमों में व्यापक स्तर पर संशोधन कर उन्हें सरल बनाया गया है. यह भी निर्णय लिया गया है कि नामित शाखा का कोई भी अधिकारी संबंधित शाखा में प्रस्तुत कटे-फटे नोटों का अधिनिर्णय कर सकता है. यह आशा की जाती है कि नियमों का सरलीकरण और उदारीकरण निर्दिष्ट अधिकारी एवं विरूपित नोटों के प्रस्तुतकर्ता, दोनों के लिए, संशोधित नियमावली को समझने और निर्दिष्ट अधिकारी को इसे निष्पक्ष रूप से लागू करने के लिए सहायक होगा.’इसमें कहा गया है कि जबकि गंदे नोटों के विनियम (बदलने) की सुविधा, सभी बैंकों द्वारा उनकी सभी शाखाओं में प्रदान की जानी है, कटे-फटे नोटों के विनियम की सुविधा, नामित बैंक शाखा/ओं (सहकारी बैंकों और क्षेत्रीय ग्रामीण बैंक सहित) में सभी निविदाकारों के लिए, चाहे उस बैंक में उनका खाता है या नहीं उपलब्ध होगी. जनता के प्रति समग्र रूप से पूरी बैंकिंग प्रणाली की यह एक जिम्मेदारी है. यह कहना अनावश्यक है कि भारतीय रिज़र्व बैंक नोट वापसी नियमावली के सरलीकरण और उसके विस्तार का उद्देश्य आम जनता को उनके कटे-फटे नोटों को बिना किसी कठिनाई के विनिमय में सहायता करना है. नामित बैंक शाखाओं को सक्रिय रूप से कार्य करना चाहिए और यह सुनिश्चित करना चाहिए कि यह सुविधा सामान्य रुप से आम जनता के हित के लिए प्रदान की जाए और किसी व्यक्तिसमूह द्वारा इसका अतिक्रमण न होने पाए.आरबीआई की इस नियमावली इस पुस्तिका में योजना के अंतर्गत पालन किये जानेवाले नियम और अपनायी जानेवाली क्रियाविधि सम्मिलित है. शीघ्र और आसानी से बोध हो सके, इसके लिए महत्वपूर्ण नियम परिवर्तित किये गये हैं. कटे-फटे नोट स्वीकार करने, उनका अधिनिर्णय और भुगतान करने, के संबंध में शाखाओं द्वारा अपनायी जानेवाली क्रियाविधि इस पुस्तिका में दी गयी है.  अधिक जानकारी के लिए आरबीआई द्वारा संचालित नंबर 14440 पर मिस्ड कॉल दें।

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