When banks go on strike—as seen recently during the Bharat Bandh or sectoral protests—essential financial services come to a grinding halt.
No branch visits
No cheque clearances
No manual loan disbursals
No physical KYC processing
But your EMIs, bills, and financial responsibilities? Still active.
That’s why Vizzve Finance brings you a smart money plan to stay financially functional even when your bank isn’t.
⚠️ What Happens During a Bank Strike?
Cheque clearance delayed by 2–3 days
Loan EMIs auto-debited, but no manual adjustments
No cash deposit/withdrawals at branches
RTGS/NEFT may halt in some PSU branches
New FD/RD bookings and maturity payouts paused
Public sector banks are the most affected, while private banks and digital-first banks often remain partially functional.
✅ Vizzve’s 6-Point Action Plan to Stay Financially Unstoppable
1. Go Digital Before the Strike Starts
Use net banking and mobile apps to pre-pay bills, credit cards, and EMIs
Use UPI apps (GPay, PhonePe, Paytm) for day-to-day payments
Avoid cheque transactions—shift to digital mandates
Vizzve Tip: Add multiple payment methods in advance (e.g., UPI + Netbanking + Credit Card)
2. Withdraw Emergency Cash Early
Bank ATMs may run dry or malfunction during strikes.
Keep 1–2 days' cash buffer for groceries, petrol, and contingencies.
Avoid large cash withdrawals—be strike-safe, not panic-prone.
3. Use Vizzve’s Auto-Payment Manager
Don’t miss EMI dates, even if the bank staff is out.
Set up auto-debits for:
Loan EMIs
SIPs
Insurance premiums
Missed payments affect credit score. Let Vizzve automate it for you.
4. Track Fund Transfers Smartly
If you're expecting:
Salary credit
Dividend payouts
FD maturity amount
...verify them digitally. Use UPI, SMS alerts, or email statements to stay updated.
Avoid visiting a branch unless absolutely needed.
5. Pause Manual Transactions
Avoid during strike:
Manual KYC updates
Physical demand drafts
In-branch FD renewals
Switch to online FD options, e-KYC and digilocker integrations through Vizzve.
6. Plan Salary & Vendor Payments in Advance
For businesses and freelancers:
Pay staff early to avoid payroll disruption
Schedule vendor payments before strike
Inform clients of potential delays
Use Vizzve’s Cash Flow Calendar to plan inflows/outflows around strike periods.
💡 Real Story: How Meera Saved Her EMI During a 2-Day Strike
Meera, a Chennai-based small business owner, had an EMI due on strike day. Her bank branch was shut and cheque payment stuck.
Luckily, she’d set up auto-debit with Vizzve, and the EMI went through from her secondary savings account.
"Vizzve helped me stay stress-free—even when my bank wasn’t open."
❓FAQs
Q1. Will my EMI bounce during a strike if I use cheques?
Yes, likely. Use auto-debit or UPI for uninterrupted payments.
Q2. Is my digital bank affected during a PSU strike?
Usually not. Digital-only banks and private sector services remain operational.
Q3. Can I open an FD or start an SIP during a strike?
Yes—online platforms like Vizzve allow you to start or modify investments anytime.
Q4. Should I delay loan applications during a strike?
If urgent, go for NBFCs or digital lenders who offer fully online processes.
🔐 Final Word: Don’t Let Strikes Stop Your Financial Life
Strikes may pause your bank, but Vizzve keeps your money in motion.
With emergency cash flow tools, auto-payment setups, digital investment access, and real-time financial guidance, Vizzve ensures you're never financially stranded—even when the system slows down.
📲 Switch to Vizzve—Strike-Ready. Stress-Free.
Published on : 9th July
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
Follow us on social media: Facebook || Linkedin || Instagram
🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.