Whalesbook
RBI ka Strict Action: Nagar Sahakari Bank par Lagi Pabandi
Asal mein, Reserve Bank of India (RBI) ko is Nagar Sahakari Bank ke kaamkaaj mein kaafi problems dikh rahi thi, aur bank ne inko theek karne ke liye koi khaas action nahi liya. Is wajah se, RBI ne bank par 6 mahine ka 'moratorium' laga diya hai. Iska matlab hai ki bank ab koi naye loans nahi de sakta, na hi naye deposits le sakta hai, aur na hi koi naya business shuru kar sakta hai bina RBI ki permission ke. Sabse badi baat, customers apne account se ek baar mein sirf ₹10,000 tak hi nikal payenge. Yeh sab bank ki liquidity bachane ke liye kiya gaya hai, par kuch zaruri kharch jaise salaries allow kiye gaye hain.
Depositors ke liye ₹5 Lakh ka Insurance Cover
Par tension mat lo, jo log is bank mein paisa jama karte hain, unke liye ₹5 lakh tak ka insurance cover hai DICGC scheme ke through. Agar bank band bhi ho jaata hai ya liquid ho jaata hai, toh DICGC is limit tak paisa wapas dega. Lekin ₹10,000 ki limit toh turant effect mein aa gayi hai, toh jin logon ke account mein isse zyada paise hain, unko shayad claim karna padega agar bank ki situation kharab hoti hai. DICGC waise toh claim 90 din mein process karta hai, par ye sabhi affected logon ke liye thoda tough ho sakta hai.
Cooperative Banking Sector mein Badhti Chinta
Yeh Nagar Sahakari Bank wala case ek bada signal hai ki India ki cooperative banking sector mein kaafi problems chal rahi hain. Boht saari cooperative banks mein NPA (Non-Performing Assets) badh rahe hain, governance kamzor hai, aur management mein bhi dikkat hai. Data batata hai ki cooperative banks mein NPAs hamesha commercial banks se zyada rahe hain. Pehle bhi Punjab and Maharashtra Cooperative Bank aur Gauhati Cooperative Urban Bank jaisi banks ke saath aisa ho chuka hai. Yeh dikhata hai ki sector mein kuch bade structural issues hain jinhe solve karne ki zaroorat hai.
Management aur Governance ki Kami
RBI baar-baar aise actions le raha hai cooperative banks par, jo unki governance aur financial management mein gehri problems ko highlight karta hai. Jab bank restrictions mein hote hain, toh unki financial situation aur kharab ho sakti hai aur recovery mushkil ho jaati hai. DICGC cover hone ke bawajood, agar bank ke assets kam pad gaye toh customers ko nuksan ho sakta hai. Pehle RBI aur state governments ki dual control ki wajah se action lene mein deri hoti thi, par ab RBI ko zyada power mil gayi hai. Long term mein, in banks ko survive karne ke liye governance aur risk management mein bade reforms chahiye.