Negative balance

[Ja_Na]

Bank account me balance negative kyu hota hai

[razack (ABDUL RAZACK K P)]

This means the bank deducted certain fees from the available balance and yet there is a balance to be paid on fees or charges (minimum balance charges, ATM fees, sms fees etc)

Much more Clarification (with the help of ChatGPT and Bard)
Bank account me negative balance hone ki kuch common reasons hote hain:

1. Overdraft Facility: Kuch banks overdraft facility provide karte hain, jiski madad se account holder apne account me maujood funds se adhik withdrawal kar sakte hain. Iske liye bank interest charge karta hai. Agar aap overdraft limit se adhik withdrawal karte hain, toh aapka account negative balance me chala jayega.
2. Insufficient Funds: Agar aapne apne account me available balance se adhik withdrawal kiya, toh account me negative balance aayega. Yeh hota hai jab aapne check likha ya electronic transaction kiya aur account me us samay sufficient funds nahi the.
3. Fees and Charges: Bank account me negative balance hone ka ek aur karan bank dwara charge kiye gaye fees aur penalties ho sakte hain. Yeh fees overdraft charges, insufficient funds charges, ya kisi aur transaction-related charges ho sakte hain.
4. Pending Transactions: Kabhi-kabhi, aapke account me ek transaction ke pending hone ki wajah se temporary negative balance aa sakta hai. Iska matalab hai ki aapne ek cheque likha ya electronic transfer kiya hai, lekin yeh transaction abhi tak clear nahi hua hai.
5. Unauthorized Transactions: Agar aapke account se anjaane ya unauthorized transactions hote hain, toh aapka account negative balance me chala jayega. Aapko turant apni bank se sampark karna chahiye aur unauthorized transactions ke khilaf report karna chahiye.

Google Bard:
बैंक खाते में बैलेंस निगेटिव होने के कई कारण हो सकते हैं, जिनमें शामिल हैं:

• मिनिमम बैलेंस न बनाए रखना: कई बैंकों के पास अपने बचत खातों के लिए न्यूनतम बैलेंस की आवश्यकता होती है। यदि आप अपने खाते में न्यूनतम बैलेंस नहीं रख पाते हैं, तो बैंक आपको जुर्माना लगा सकता है, जिससे आपका बैलेंस निगेटिव हो सकता है।
• चेक बाउंस: यदि आपके चेक खाते में पर्याप्त धनराशि नहीं है, तो चेक बाउंस हो सकता है। इसके परिणामस्वरूप बैंक आपके खाते से एक बाउंस चार्ज काट सकता है, जिससे आपका बैलेंस निगेटिव हो सकता है।
• ओवरड्राफ्ट फीस: कुछ बैंक अपने ग्राहकों को ओवरड्राफ्ट सुविधा प्रदान करते हैं, जिससे आप अपने खाते में उपलब्ध धनराशि से अधिक पैसे निकाल सकते हैं। हालांकि, ओवरड्राफ्ट लेनदेन पर बैंक आमतौर पर शुल्क लेता है। यदि आप अपने खाते में ओवरड्राफ्ट लेनदेन करते हैं, तो आपके खाते में ऋण हो सकता है, जिससे आपका बैलेंस निगेटिव हो सकता है।
• ऋण की देनदारी: यदि आपने बैंक से कोई ऋण लिया है, तो आपके खाते में ऋण हो सकता है, जिससे आपका बैलेंस निगेटिव हो सकता है।

[Ja_Na]

-17455 itna charge kon leta hai

[razack (ABDUL RAZACK K P)]

Which bank is yours?

[Priyansh_Gaur]

Do u have a sweep in fd linked to ur account as if the balance in your savings account was not sufficient the bank usually deduct that amount and shows it as negative balance and by the end of day they sweep in from the fd that negative amount.
For ex - if u have 10knin ur savings account and u have to make a payment a payment of 15k and u have a sweep in fd so the bank actually deducts 10k and the remaining 5k is shown as negative balance the by EOD the remaining amount is sweep in from fd .
This is also one of the reason happens to me in HDFC as I have a sweep in fd

[Ja_Na]

Fi money

[Ja_Na]

Koi fd nhi hai Bank account Frozen hone k baad se aise negative hua hai

[razack (ABDUL RAZACK K P)]

Bank Statement mein negative balance ke pass mein kya show raha he?

[Ja_Na]

Ballance -17455
Effective Ballance 45

[razack (ABDUL RAZACK K P)]

It is better to contact Fi’s customer care (By chat or by call). Then you will get a clear picture.
Usually, in the statement, it shows ‘Minimum balance fee’ ‘ATM charge’ etc.

Since the bank is Fi, both don’t apply to you (even ATM fee may be less than 200 or 300).

[Aswin_Benny (A$w!n~Benn¥)]

Was your account frozen previously or flagged in some cyber crime cases?

[sani (Sani Rui Das 🚀)]

You told me your Jupiter account frozen.
Here you are saying fi also ?

Bro, you did anything illegal ?

Previously you told that your Jupiter account blocked for cyber crime case

[Ja_Na]

Ami both account bolechilam fi & Jupiter tokhon bank theke Jupiter details Diya chilo ekhon fi money o details diyache but fi money te kono police complaint nei ekjon taka pathiye sei taka return nite chaiche

[sani (Sani Rui Das 🚀)]

Oh … Tahole fi account recovery hye jbe… Email koro