Indians are very fond of jewellery. You will definitely find gold or silver jewellery in every house. Most Indians keep their valuables at home. But now banks also provide facilities to keep jewellery and other valuables in lockers.
Keeping these valuables at home is sometimes risky. Therefore, people consider it safe to keep them in bank lockers. But is a bank locker really safe? If you also keep things in a bank locker, then first know the rules. Does the bank take guarantee of the things kept in the bank locker?
Many people think that they can keep anything in the bank. But according to the rules of the Reserve Bank of India (RBI), some things are prohibited in it. According to the Reserve Bank, a bank locker can be used only for legitimate purposes. Valuables like jewellery and documents can be kept in it. These things of yours remain completely safe in the locker.
These are the new rules for bank lockers
Under the new rules, it is very important for banks to show the list of vacant lockers and the waiting list. Apart from this, banks have the right to take a maximum of three years’ rent from customers at a time for the locker. The special thing is that now banks cannot back out citing conditions in case of loss to a customer. Rather, the customer has to be compensated in full. Banks have to ensure that the locker agreement made by them does not include any unfair condition. Due to which the bank turns away from the customers in case of loss. It has been seen many times that banks turn away from customers by citing their conditions.
Bank locker opens with two keys
Two keys are required to open a bank locker. One key is with the customer. The other key is with the bank manager. Unless both the keys are used, the locker will not open.
What cannot be kept in a bank locker?
First of all, you cannot keep cash or currency in your locker. Apart from this, things like weapons, explosives, drugs cannot be kept in any bank locker. If there is any perishable thing, then that also cannot be kept in the locker. Any such material cannot be kept in the bank locker, which can pose a threat to the bank or any of its customers.
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