बैंक लॉकर से गुम हो गया गहना-पैसा, तो नुकसान आपका या बैंक का?

Aishwarya Awasthi Jul 20,2024

भारत में बैंक में लोग पैसे और गहनों को रखते हैं.

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पैसे या गहने रखने के लिए बैंक अलग-अलग दरों से चार्ज भी करता है.

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बैंक की कड़ी सुरक्षा में सामान रखकर लोग टेंशन फ्री हो जाते हैं.

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लेकिन अगर कड़ी सुरक्षा के बावजूद आपकी चीजों के साथ अनहोनी हो जाएं तो?

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भारतीय रिजर्व बैंक ने बैंक लॉकर को लेकर नियम बनाए हैं.

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नियम के मुताबिक,लापरवाही से लॉकर में रखे सामान में नुकसान होगा तो जिम्मेदारी बैंक की होगी.

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अगर सामान चोरी, बर्बाद, गायब होगा,तो बैंक को लॉकर के एक साल के किराए का 100 गुना मुआवजा ग्राहक को मिल सकेगा.

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बैंक लॉकर पूरी तरह से बैंक की प्रॉपर्टी है, ऐसे में नुकसान की जिम्मेदारी बैंक की होगी.

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चोरी हुए सामान पर बैंक की ओर से आप मुआवजे के हकदार होंगे.

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अगर कोई कर्मचारी पैसों का गबन करता है या लॉकर के सामान के साथ धोखाधड़ी करता है तो भी पूरी जिम्मेदारी बैंक की होगी.

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अगर नोट में दीमक लगेगा तो भी ग्राहक मुआवजे का हकदार है.

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कुछ ऐसी कंडीशन भी हैं, जब आपके सामान को हुए नुकसान की जिम्मेदारी बैंक की नहीं होती.

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प्राकृति आपदा के कारण बैंक लॉकर में रखी चीजों के नुकसान की बैंक जिम्मेदार नहीं है.

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