2 Lakh Deposit RBI Rules : KYC Penalties & Latest Updates 2025

2 Lakh Deposit RBI Rules ya withdrawal SBI, PNB, aur BOB me karna hai? Jaane naye bank rules, KYC process, penalties aur 2025 ke latest changes.

Introduction

Aaj ke time me bank transaction rules kaafi strict ho gaye hain. Agar aap 2 Lakh Deposit RBI Rules SBI, PNB ya Bank of Baroda me deposit ya withdraw karna chahte ho, to aapko naye RBI aur Income Tax rules ke baare me pata hona chahiye. Galti se bhi rule follow na karne par penalty, notice ya TDS cut ho sakta hai.

Is blog me hum detail me dekhenge:

• ₹2,00,000 deposit/withdrawal rules SBI, PNB & BOB

• KYC process aur documents

• Penalties agar rule follow nahi kiya

• 2025 ke latest changes

---

2 Lakh Deposit RBI Rules in SBI, PNB & BOB

1. SBI (State Bank of India)

• Cash deposit ₹2,00,000 ya usse zyada par PAN card dena mandatory hai.

• Agar PAN nahi diya gaya to transaction reject ho sakta hai.

• Savings account me ek din me ₹2 lakh se zyada deposit income tax ke under report hota hai.

• Withdrawal ke time bhi KYC check hota hai.

2. PNB (Punjab National Bank)

• ₹2 lakh cash deposit par PAN aur Aadhaar dono ki details bank demand kar sakta hai.

• Large cash transactions automatic Income Tax Department ko report hote hain.

• Agar deposit business purpose ka hai, to GST aur source of income proof bhi mang sakta hai.

3. BOB (Bank of Baroda)

• ₹2,00,000 ya usse zyada cash deposit ke liye PAN mandatory.

• Agar account me pehle se full KYC update nahi hai, transaction rok diya jayega.

• ₹2 lakh cash withdrawal par bhi identity proof dikhana pad sakta hai.

---

KYC Rules 2025

• Aadhaar, PAN, Address Proof aur Mobile Number update karna mandatory hai.

• Agar aapka KYC incomplete hai to ₹50,000 se upar ka transaction allowed nahi hoga.

• Banks time-to-time re-KYC demand karte hain.

---

Penalties & Risks

• Agar aap ₹2,00,000 cash deposit bina PAN diye karte ho to ₹10,000 tak penalty lag sakti hai.

• Income Tax Act ke under, large cash deposits pe scrutiny notice aa sakta hai.

• Wrong information dene par account freeze bhi ho sakta hai.

---

2025 Latest Changes

• Digital transactions promote karne ke liye cash deposit rules strict kiye gaye hain.

• ₹20 lakh annual cash deposit limit ke baad PAN aur Aadhaar linking mandatory.

• UPI/NEFT/RTGS par koi limit nahi, but cash transactions par strict monitoring.

---

FAQs – 2 Lakh Deposit RBI Rules

Q1. Kya main ₹2,00,000 cash bina PAN card ke deposit kar sakta hoon?
👉 Nahi, PAN mandatory hai.

Q2. Agar ₹2 lakh se zyada deposit karu to kya Income Tax notice aayega?
👉 Agar aap regular income show karte ho aur ITR file karte ho, to dikkat nahi. Varna IT notice aa sakta hai.

Q3. PNB me ₹2 lakh cash withdrawal par bhi KYC zaroori hai kya?
👉 Haan, withdrawal par bhi PAN/Aadhaar dikhana pad sakta hai.

Q4. SBI, PNB aur BOB me rules alag hai kya?
👉 Base rules same hai (RBI aur Income Tax ke according), but bank ki internal policy different ho sakti hai.

Q5. Kya digital transfer par ye rules lagte hain?
👉 Nahi, ye sirf cash deposit/withdrawal par lagte hain.

---

Conclusion

Agar aap SBI, PNB ya BOB me ₹2,00,000 deposit/withdraw karne wale ho to pehle apna PAN & Aadhaar link, KYC update aur source of income clear rakhna zaroori hai. Rules follow karke aap penalty aur Income Tax notice se bach sakte ho.

👉 Safe rehne ke liye large cash ke bajaye digital transaction use karna best option hai.

RBI New Banking Rules From October 1, 2025: Relief in EMIs and Gold Loans

RBI Home Loan Policy 2025 : ₹50 Lakh Borrowers ko Bada Fayda.

Bank Car Loan Interest Rate Festival Season Offers 2025

UPI Payment Charges News in Hindi ? RBI Governor ne diya bada clarification

• ₹2,00,000 deposit rules SBI

• ₹2,00,000 deposit rules PNB

• ₹2,00,000 deposit rules BOB

• Bank KYC rules 2025

• SBI cash deposit limit

• PNB cash withdrawal limit

• BOB deposit penalty

• 2 lakh deposit RBI rules