Diwali tak UPI users ke liye badi khushkhabri hai! Govt ne bade UPI transactions par merchant fees lagane ka faisla abhi postpone kar diya hai, matlab aapka digital payment process filhal free hi rahega.
Govt ka bada announcement
Indian government ne officially decide kiya hai ki Diwali season tak koi bhi extra Merchant Discount Rate (MDR) nahi lagega. Matlab, abhi ke liye sab kuch pehle jaisa hi chalega. Jo plan tha ki ₹2,000 se upar ke transactions aur ₹1 lakh monthly receipt wale merchants par fee lagegi, usse filhal side mein rakh diya gaya hai. Peer-to-peer payments toh waise bhi free hi rahenge.
Problem kya hai?
Asli dikkat ye hai ki UPI ka pura infrastructure chalane ka kharcha saal ka lagbhag ₹20,000 Crore hai. Ab kyunki merchants se koi fee nahi li jaati, toh saara burden banks aur fintech companies par aa jata hai. Bina revenue ke itna bada system manage karna mushkil hota ja raha hai.
Kya ho sakta hai aage?
Experts bol rahe hain ki agar revenue nahi aaya, toh technology aur security update karne mein problem aa sakti hai. Brazil ka example lein, toh wahan 'Pix' system mein fees charge ki jaati hai taaki system ka maintenance hota rahe. India mein govt abhi public sentiment ka dhyaan rakh rahi hai, isliye 2019 se chali aa rahi free payment policy ko abhi nahi cheda gaya hai.
Investors ab nazar rakhein ki Diwali ke baad govt ka next step kya hota hai. Kya fee structure aayega ya koi naya fund model dhundha jayega? Fintech stocks ke liye ye update bohot critical hai.