Today's topic is ---- Negotiable Instruments----
Negotiable instrument is basicaly wo papers ya bond jinhe aap negotiable instrument act 1881 ke under in future use kar sakte h...means tumne kisi ko loan diya aur wo repay na kare den u can use it...
Promissory note: if u take a loan then u have to make a document in which u say that u will repay that amount in a given time of period...in general u make a promise to urself for paying that loan...ex: our currncy nte "i promise to pay the bearer the sum of....." ab agr aap chahte ho ki aap ki jagah aap ka paisa koi aur collect kar le to bas simple h us promissory note ko kisi 3rd person ke naam par transfer kar do....
Bill of exchange: if u have given a loan of 100 rs to A....but after sometime u needed money and u also take a loan of 100 rs frm B den u have a power to mak a document in which u direct A to pay 100 rs directly to B....
Cheque: ye negotiable instrument ka bahut common use h...isme hum bank ko direct karte h ki itne itne rs is person ko pay kare....cheque me MICR use hota h...cheque no. 15 digits ka hota h jisme starting ke 6 digits cheque no hote h, then baki ke 9 digits IFSC code hota h...jisme starting ke 3 digit city ka code then 3 bank ka code then 3 branch ka code represent karta h...DD aur cheque me bank ko DD me fayda hota h kyuki DD banane me bank ko commision milta h....types of cheque--
OPEN cheque: nrmal cheque jo hum daily use karte h...bank ke counter me payment milti h...agr hum bank ja kar paise nai le sakte to simple cheque ke peeche ek sign kar ke kisi aur ko de de...bank use payment kar dega...
Crossed cheque: iski payment counter par na ho kar direct accunt me hoti h...is cheque ko aap kisi ko bi de sakte h...agr cheque kho bi gaya to bi koi dikat nai...
Order cheque: isme aap bank ko order dete h ki is person ko itna amount pay kiya jaye...isme us person ka name likha hota jisko payment karni h....
Bearer cheque: ye wo cheque h jise koi bi person counter me present karta h to use payment ho jati h....
NOTE- open cheque and bearer cheque r almost same...open check koi bi apne naam se issue karta h....jiske bi naam issue ho uska ek sign already check par hota h...phr bank wale apne samne ek sign karwate h den pisa dete h....agr open cheque accunt holder ke bealf par koi aur represent kar raha h to us ke sign karwaye jate h den paise milta h....bearer cheque me cheque jiske hath me h use as bina kuch dekhe paise de diye jate h...bearer cheue ab nai chalte...kyu ki isme agr kisi ka cheque kisi ko pada mil jata tha to wo badi aasani se paisa cash karwa sakta tha....so ab issue nai hote...
Hundis- hundi ek tarah ka Bill of Exchange h...jo local language me likha hota h....villages me aaj bi ye use hote h....isme bi loan lene wala person promise kartah ki wo paticular time par loan wapas kar dega...ex; Shah Jog Hundi etc....
Negotiable instrument is basicaly wo papers ya bond jinhe aap negotiable instrument act 1881 ke under in future use kar sakte h...means tumne kisi ko loan diya aur wo repay na kare den u can use it...
Promissory note: if u take a loan then u have to make a document in which u say that u will repay that amount in a given time of period...in general u make a promise to urself for paying that loan...ex: our currncy nte "i promise to pay the bearer the sum of....." ab agr aap chahte ho ki aap ki jagah aap ka paisa koi aur collect kar le to bas simple h us promissory note ko kisi 3rd person ke naam par transfer kar do....
Bill of exchange: if u have given a loan of 100 rs to A....but after sometime u needed money and u also take a loan of 100 rs frm B den u have a power to mak a document in which u direct A to pay 100 rs directly to B....
Cheque: ye negotiable instrument ka bahut common use h...isme hum bank ko direct karte h ki itne itne rs is person ko pay kare....cheque me MICR use hota h...cheque no. 15 digits ka hota h jisme starting ke 6 digits cheque no hote h, then baki ke 9 digits IFSC code hota h...jisme starting ke 3 digit city ka code then 3 bank ka code then 3 branch ka code represent karta h...DD aur cheque me bank ko DD me fayda hota h kyuki DD banane me bank ko commision milta h....types of cheque--
OPEN cheque: nrmal cheque jo hum daily use karte h...bank ke counter me payment milti h...agr hum bank ja kar paise nai le sakte to simple cheque ke peeche ek sign kar ke kisi aur ko de de...bank use payment kar dega...
Crossed cheque: iski payment counter par na ho kar direct accunt me hoti h...is cheque ko aap kisi ko bi de sakte h...agr cheque kho bi gaya to bi koi dikat nai...
Order cheque: isme aap bank ko order dete h ki is person ko itna amount pay kiya jaye...isme us person ka name likha hota jisko payment karni h....
Bearer cheque: ye wo cheque h jise koi bi person counter me present karta h to use payment ho jati h....
NOTE- open cheque and bearer cheque r almost same...open check koi bi apne naam se issue karta h....jiske bi naam issue ho uska ek sign already check par hota h...phr bank wale apne samne ek sign karwate h den pisa dete h....agr open cheque accunt holder ke bealf par koi aur represent kar raha h to us ke sign karwaye jate h den paise milta h....bearer cheque me cheque jiske hath me h use as bina kuch dekhe paise de diye jate h...bearer cheue ab nai chalte...kyu ki isme agr kisi ka cheque kisi ko pada mil jata tha to wo badi aasani se paisa cash karwa sakta tha....so ab issue nai hote...
Hundis- hundi ek tarah ka Bill of Exchange h...jo local language me likha hota h....villages me aaj bi ye use hote h....isme bi loan lene wala person promise kartah ki wo paticular time par loan wapas kar dega...ex; Shah Jog Hundi etc....
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