RBI Ka Naya Rule! NBFC Registration Aasan Hui? Chhote Players Ki Chhutti!

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AuthorKavya Nair|Published at:
RBI Ka Naya Rule! NBFC Registration Aasan Hui? Chhote Players Ki Chhutti!
Overview

RBI ne NBFCs ke liye naye niyam laane ka plan banaya hai! Agar kisi NBFC ke paas **₹1,000 crore** se kam assets hain, woh public funds use nahi karti aur na hi customers se direct deal karti hai, toh usse RBI registration ki zarurat nahi padegi. Inhe 'Unregistered Type I NBFCs' kaha jayega.

RBI Ka NBFCs Par Naya Focus! Chhote Wale Ho Gaye Azaad?

Dekho bhai, Reserve Bank of India (RBI) ne Non-Banking Financial Companies (NBFCs) ke liye regulatory framework mein ek zabardast change propose kiya hai. Ab se, jo NBFCs asset size mein ₹1,000 crore se chhote hain, aur woh public se paisa nahi uthate aur na hi unka koi direct customer interface hai, toh unhe RBI mein register karne ki zaroorat nahi padegi. Yeh entities 'Unregistered Type I NBFCs' kehlayengi aur un par se regulatory bojh kaafi kam ho jayega.

Kab Tak Hai Mauka Aur Kya Hain Naye Rules?

Jo existing NBFCs is chhoot ke criteria poore karte hain, unke paas registration cancel karwane ke liye September 30, 2026 tak ka time hai. RBI ka kehna hai ki in chhote entities par systemic risk kam hota hai. Lekin, badi NBFCs ya jo public funds use karti hain ya customer interface rakhti hain, unke liye naye 'Type I' aur 'Type II' categories banaye gaye hain. Agar koi NBFC public funds access karna chahti hai ya customer interface banana chahti hai, toh use pehle 'Type II NBFC' ke roop mein register karna hoga, warna penalties lag sakti hain. Saare applications PRAVAAH portal par honge.

Yeh Game Khel Kyun Rahe Hain RBI Wale?

Is move ke peeche RBI ka plan hai ki woh apne resources ko zyada important NBFCs par focus kar sake. Yeh jo scale-based regulatory (SBR) framework hai, usi ka hissa hai. India mein NBFC sector kaafi bada ho gaya hai, jahan March 2020 tak total assets ₹33.89 trillion the aur NBFCs dwara diya gaya credit GDP ka 13.6% ho gaya hai 2023-24 mein. Is change se choti companies ko operational comfort milega aur woh apne core business par dhyaan de payengi. Investment and Credit Companies (NBFC-ICCs) ke liye branch expansion ke rules bhi relax kiye gaye hain.

Kya Hai Ismein Risk?

Lekin bhai, har chamakti cheez sona nahi hoti. Kuch chintaayein bhi hain. Ho sakta hai ki 'Unregistered Type I NBFCs' apni status ko galat tarah se represent karein. Agar koi entity criteria meet karna band kar de toh use 'Type II' mein register karna padega. Ek aur cheez hai ki unregistered aur registered entities ke beech competition mein unevenness aa sakti hai. Aur yeh yaad rakho ki registration se chhoot milne par bhi yeh NBFCs RBI Act, 1934 ke baaki rules ke under aa sakti hain agar koi risk dikha toh. Deadline tak registration cancel karwane ke liye proper documents aur PRAVAAH portal ki procedures follow karni padegi.

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