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Application ke paise ka pura raasta, aur mandate fail hone ki aam wajahein
Published by The Retail Trader · AUG 04, 2026 · Market Basics
IPO apply karte waqt aapke account se paisa katta nahi, block hota hai. Ye chhota sa farq hi ASBA ka poora point hai, aur usi ki wajah se refund jaisi cheez ki zaroorat lagbhag khatam ho gayi hai.
ASBA yaani Application Supported by Blocked Amount. Aapke bank account mein utni rakam lock ho jaati hai, par wo aapke hi account mein rehti hai. Allotment mile to wo debit hoti hai, na mile to block hat jaata hai.
Retail ke liye ye ab aksar UPI mandate se hota hai. Broker application bhejta hai, aapke UPI app par ek mandate request aati hai, aur aapke approve karne par hi amount block hoti hai.
Zyadatar rejection in wajahon se hoti hai:
• Mandate cutoff time tak approve nahi kiya gaya.
• Account mein blocked amount se kam balance tha.
• UPI ID broker ke supported bank list mein nahi thi.
• Ek hi PAN se ek se zyada application chali gayi.
Mandate approve karne ke baad wo paisa allotment tak use nahi ho sakta, chahe wo dikh raha ho. Agar usi hafte koi zaroori payment hai to application ka size usi hisaab se rakho — block hua paisa bhi block hi hota hai.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.