RBI ne Finance Sector mein machaya dhamaka! Naye Niyam, Badhe Loans, Aur Customers ki Safety Pakki!

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AuthorAnanya Iyer|Published at:
RBI ne Finance Sector mein machaya dhamaka! Naye Niyam, Badhe Loans, Aur Customers ki Safety Pakki!
Overview

Reserve Bank of India (RBI) ne finance sector ko mazboot karne ke liye rules mein bade changes kiye hain. Ismein customers ki protection badhane, MSMEs ko zyada loans dene, aur NBFCs/UCBs ko support karne par focus hai.

Socho, RBI ne finance duniya mein ekdum se naye niyam la diye hain Friday ko! Yeh sirf kuch changes nahi hain, balki India ke financial system ko aur bhi stable aur inclusive banane ka ek smart plan hai. Goal hai ki sabko fayda ho aur koi risk na rahe.

Sabse pehle, customers ka khayal rakha jaa raha hai. RBI ne draft guidelines nikalne ka plan banaya hai jismein mis-selling, loan recovery ke galat tarike, aur unauthorized online transactions mein kitni liability hogi, yeh sab clear kiya jayega. Aur ek super important baat ye hai ki chote-mote fraud ke victims ko ₹25,000 tak ka compensation mil sakta hai. Digital payments ko bhi zyada secure banane ke liye research chal rahi hai.

Ab baari hai MSMEs ki! RBI ne loan limit double kar di hai. Pehle jahan ₹10 lakh tak collateral-free loan milta tha, woh ab badh kar ₹20 lakh ho gaya hai. Isse chote businesses ko zyada funding milne ki umeed hai. Banks ab Real Estate Investment Trusts (REITs) ko bhi loan de paayengi.

Urban Co-operative Banks (UCBs) aur Non-Banking Financial Companies (NBFCs) ko bhi relief mili hai. UCBs ke liye unsecured loans ki limit badhai gayi hai. Aur choti NBFCs jinaka asset size ₹1,000 crore tak hai aur jo public se paise nahi leti, unhe registration se chhoot mil sakti hai. Iske alawa, 'Mission-SAKSHAM' naam ka ek bada training program chalega jismein 1.4 lakh log finance sector ke liye skill-up karenge.

Financial markets ko aur bhi active banane ke liye External Commercial Borrowings (ECBs) aur Voluntary Retention Route (VRR) mein kuch changes kiye gaye hain. Yeh sab foreign investment ko attract karne aur capital markets ko global standards par laane ke liye hai.

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