Banks mein February 2026 se bade changes! Fees se lekar KYC tak, sab kuch badal raha hai

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AuthorAarav Shah|Published at:
Banks mein February 2026 se bade changes! Fees se lekar KYC tak, sab kuch badal raha hai
Overview

Bro, February 2026 se na, India ke bade banks apne customers ke liye kuch bade changes la rahe hain. SBI IMPS fees badha raha hai, ICICI credit card ke movie benefits band kar raha hai, aur HDFC Infinia card par reward redemption limit laga raha hai. Saath hi, PNB aur baaki banks RBI ke rules ke hisaab se KYC aur dormant accounts ko lekar sakht ho rahe hain.

RBI ka naya rule, banks pe chalega?

RBI ka ek zabardast directive aa gaya hai jiske chalte February 2026 se banks ko apne operations aur customer policies mein kuch bade changes karne padenge. Sabse pehle, Punjab National Bank (PNB) ne apne customers ko urgent notice diya hai ki jin accounts ki KYC, December 2025 tak due thi, unhe February 2, 2026 tak update karwana hoga, warna account mein restrictions lag sakti hain. Aur haan, RBI chahta hai ki banks February 1, 2026 se inactive aur zero-balance wale accounts ko band karna shuru kar dein. Ye sab taaki fraud aur misuse na ho.

SBI IMPS fees mein lag jayega tax!

Ab baat karte hain State Bank of India ki. Ye bank February 15, 2026 se IMPS transactions par apna fee structure change karne wala hai. Agar aap ₹25,000 se ₹1 lakh tak online transfer karoge toh aapko ₹2 + GST dena padega. Agar amount ₹1 lakh se ₹2 lakh ke beech hua toh ₹6 + GST aur agar ₹2 lakh se zyada aur ₹5 lakh tak transfer kiya toh ₹10 + GST ka charges lagega. Matlab, ab digital transactions par thoda aur kharcha.

ICICI Bank aur HDFC Bank ke rewards mein cut

ICICI Bank apne kuch credit cards par diye jaane wale free movie tickets (BookMyShow se) February 1, 2026 se band kar raha hai. Haalanki, bank transport aur insurance spending par rewards continue karega.

Aur toh aur, HDFC Bank apne premium Infinia card holders ke liye bhi ek rule la raha hai. February 1, 2026 se, aap mahine mein sirf 5 baar hi Infinia card ke reward points ko redeem kar payenge. Isse banks apni profitability manage karna chahte hain.

Market mein kya chal raha hai?

Ye saare changes banking sector mein ek strategic shift dikha rahe hain. Agar January 31, 2026 tak ki baat karein toh India ke sabse bade banks ka market cap kuch aise hai: HDFC Bank ka ₹14.3 lakh crore, SBI ka ₹9.94 lakh crore, ICICI Bank ka ₹9.69 lakh crore, aur PNB ka ₹1.44 lakh crore. P/E ratios bhi alag-alag hain, jisse investors ka sentiment pata chalta hai. PNB ka approx 8.09, SBI ka 11.19-12.6, ICICI Bank ka 16.88-18.3, aur HDFC Bank ka 19.2-20.2 hai. Banks apne operations ko optimize karne aur RBI ke rules follow karne mein lage hain, taaki future mein koi dikkat na ho.

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