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Actual and Available Balanceवास्तविक र उपलब्ध मौज्दातActual (ledger) balance is the total amount recorded in an account; available balance is the part the customer can actually withdraw or spend right now after holds, uncleared items and required minimum balance are deducted.Banking BasicsAgency Bankingएजेन्सी बैंकिङDelivery of basic banking services through third-party agents (business correspondents) appointed by a bank, such as local shops or cooperatives, instead of through the bank's own branch.Banking BasicsAny Branch Banking Service (ABBS)ABBSजुनसुकै शाखा बैंकिङ सेवा (एबीबीएस)A facility that lets a customer deposit, withdraw or transfer money from any branch of the same bank, not only the branch where the account was opened.Banking Basics