Demand draft kaise banwaye?

Demad Draft (DD) banwana ek secure tareeka hai kisi ko payment karne ka, especially jab aapko large amount transfer karna ho ya jahan cheque accept nahi hote, jaise colleges ya government applications mein. DD kabhi bounce nahi hota kyunki bank iska payment pehle hi le leta hai. Aap offline (bank branch jaakar) ya online (net banking ke through) DD banwa sakte hain.

Yahan step-by-step guide di gayi hai ki Demand Draft kaise banwaye:

Offline Demand Draft Banwane ka Tarika (Bank Branch Jaakar)

Yeh sabse common aur traditional method hai.

Step 1: Apne Bank Branch par visit karein Sabse pehle, aapko apne bank ki nearest branch jaana hoga. Zyadatar banks DD issue karte hain, aur zaroori nahi ki aapka account usi bank mein ho. Aap limited amount tak cash dekar bhi DD banwa sakte hain.

Step 2: Demand Draft Application Form bharein Bank mein aapko ek Demand Draft Form milega. Is form ko dhyan se bharna hoga. Ismein kuch essential details hoti hain:

• Payee ka naam (Beneficiary ka naam): Uss vyakti ya sanstha ka naam jisko payment karni hai. Spelling bilkul sahi honi chahiye.
• Amount: Woh raashi jo aapko DD mein likhwani hai, figures (ankon mein) aur words (shabdon mein) dono mein.
• Place Payable: Woh city jahan par DD payable hoga (yani jahan beneficiary isko encash karega).
• Apna naam aur address: Aapka pura naam aur address.
• Mobile Number: Aapka contact number.
• Payment Mode: Aap DD ka amount cash mein pay kar rahe hain ya apne bank account se debit karwa rahe hain (cheque ya withdrawal form ke through).
• Account Number: Agar aap apne account se payment kar rahe hain.
• Signature: Form par apni signature karein.

Step 3: Required Documents aur Payment submit karein Form bharne ke baad, aapko kuch documents aur payment submit karni hogi:

• Payment: Agar aap cash mein payment kar rahe hain, toh DD ka pura amount aur bank charges counter par jama karein. Agar aap apne bank account se payment kar rahe hain, toh cheque ya withdrawal slip (agar available ho) form ke saath attach karein.
• ID Proof: Kuch cases mein, especially agar aapka us bank mein account nahi hai ya high value DD banwa rahe hain, toh bank aapka ID proof (jaise Aadhaar Card, PAN Card) aur Address Proof maang sakta hai.
• PAN Card: Agar aap ₹50,000 ya usse zyada ka DD banwa rahe hain, toh PAN Card ki copy dena mandatory hoga.

Step 4: Charges pay karein Bank DD issue karne ke liye ek service fee charge karta hai. Yeh fees DD ke amount aur bank ki policy par depend karti hai.

• Generally, fees Rs. 1.5 se Rs. 4 per thousand plus Service Tax ho sakti hai.
• Small amounts ke liye fixed charges bhi ho sakte hain. Jaise, SBI mein ₹5,000 tak ke DD ke liye ₹25, aur ₹10,000 se ₹1 Lakh tak ke liye ₹5 per ₹1,000 (minimum ₹60) charges ho sakte hain.
• Aap apne bank ki official website par ya branch mein jaakar latest charges confirm kar sakte hain.

Step 5: Demand Draft receive karein Payment aur documents verify hone ke baad, bank aapko signed aur stamped Demand Draft issue kar dega.

• DD milne ke baad, uspar likhi sabhi details, jaise payee ka naam, amount, aur issue date, ko carefully check kar lein.
• DD ki validity usually 3 mahine hoti hai issue date se. Is period ke andar beneficiary ko ise encash karwana hota hai.

Online Demand Draft Banwane ka Tarika (Net Banking ya Mobile App ke through)

Bahut se banks ab online DD request karne ki facility provide karte hain, jisse aapko bank jaane ki zaroorat nahi padti.

Step 1: Apne Bank ke Net Banking Portal par Login karein

• Apne bank ki official website par jaakar, apni Net Banking credentials (User ID aur Password) se login karein.
• Kuch banks apne mobile banking apps ke through bhi DD request allow karte hain.

Step 2: 'Payments' ya 'Requests' Section mein jaayein

• Login karne ke baad, "Payments/Transfers" ya "Requests and Enquiries" section mein jaakar "Demand Draft" option select karein.

Step 3: Required Details fill karein

• Yahan bhi aapko offline form ki tarah hi details bharni hongi:
  • Beneficiary ka naam
  • DD ka amount
  • Payable city/branch
  • Woh account number jisse amount debit hoga.
  • Purpose of DD (optional)

Step 4: Delivery Method choose karein

• Online DD request mein aap delivery method choose kar sakte hain:
  • Branch se collect karna: Aapko ek reference number milega, jisko dikhakar aap apni chosen branch se DD collect kar sakte hain.
  • Registered address par courier karwana: Bank aapke registered address par DD courier kar dega. Iske liye extra courier charges lag sakte hain.

Step 5: Transaction Confirm karein

• Sabhi details check karne ke baad, transaction ko OTP (One Time Password) ya Transaction Password se confirm karein.
• DD ka amount aur charges aapke account se debit ho jayenge.

Important Points to Remember:

• Validity: Demand Draft ki validity issue date se 3 mahine (90 din) hoti hai. Agar is period mein DD encash nahi hota, toh woh invalid ho jaata hai.
• Revalidation: Invalid hone par, aap drawer hone ke naate bank mein application dekar DD ko 3 mahine ke liye revalidate karwa sakte hain. Yeh sirf ek baar ho sakta hai. Revalidation ke liye bhi charges lagte hain (jaise SBI mein Rs. 200 + GST).
• Cancellation: Aap DD ko cancel bhi karwa sakte hain, agar woh beneficiary tak deliver nahi hua hai. Cancellation ke liye original DD aur ek application bank mein submit karni hoti hai. Cancellation charges bhi lagte hain (usually Rs. 100 se Rs. 300).
• DD Number: Apna DD number hamesha safe rakhein, yeh tracking, cancellation ya refunds ke liye zaroori hota hai.
• Security: DD ek bahut secure payment method hai kyunki yeh bank dwara guaranteed hota hai aur bounce nahi hota.

Umeed hai yeh detailed guide aapko Demand Draft banwane mein madad karegi!