Whalesbook
RBI ka ye jo naya plan hai na, jisme bade digital payments par ek ghante ka time delay lagana hai fraud rokne ke liye, us par banks kaafi hadd tak support kar rahe hain. Account-to-account transfers ke liye ye idea lagbhag sabhi banks ko theek lag raha hai.
Limit Ki Demand Kya Hai?
Lekin bhai, asli masla yahi hai ki banks keh rahe hain ki ye jo ₹10,000 ki limit rakhi hai na RBI ne, woh thodi kam hai. Wo chahte hain ki isko badha kar ₹25,000 kar diya jaaye. Unka reason hai ki ek taraf security bhi zaroori hai aur doosri taraf rozmarra ki digital payments mein problem na aaye. Unhe dar hai ki ₹10,000 ki limit se bahut saare legit transactions bhi ruk sakte hain aur logon ko pareshani ho sakti hai.
Fraud Kitna Badh Gaya Hai?
Aapko pata hai, digital payment fraud badhta hi jaa raha hai. Pichle 5 saalon mein iski value lagbhag 41 times badh gayi hai, aur ab ye lagbhag ₹23,000 Crore tak pahunch gayi hai. RBI ka data bhi yehi batata hai ki number ke hisab se 45% fraud ₹10,000 se zyada wale transactions mein ho rahe hain, lekin value ke hisab se toh lagbhag 98.5% fraud isi category mein aata hai. Isliye fraud rokne ke liye kadam uthana zaroori hai.
RBI Ka Kya Kehna Hai?
Ab RBI ne saaf kiya hai ki ye sirf ek discussion paper hai, koi final policy nahi. Banks ne operational issues par bhi sawaal uthaye hain, jaise ki ek ghante se zyada delay ho sakta hai ya accounts ko whitelist karne mein dikkat aa sakti hai. Former RBI deputy governor T Rabi Sankar ne bhi kaha hai ki maksad fraud kam karna hai, koi naya policy laoona nahi hai.
Aage Kya Hoga?
Toh ab baat is par atki hai ki sahi limit kya honi chahiye. Kuch bade bankers ka kehna hai ki instant payments sabse achhe hain, par risk manage karne ke liye thoda delay shayad zaroori ho. Woh ₹10,000 se alag koi limit ho sakti hai, aur implement karne ke baad hi asli picture clear hogi ki kitna sahi hai ye system. Goal yahi hai ki India ke fast-growing digital payment system ko slow kiye bina risk kam kiya jaaye.