Whalesbook
Phone Lock-down Rules: Kya hai RBI ka Plan?
Reserve Bank of India (RBI) ne ek proposal nikala hai jiske hisaab se agar aap phone finance loan default karte ho toh lenders aapke phone ke kuch features band kar sakte hain. Ye ek tarah se phone ko collateral (Ghahna) maanne jaisa hai. Ye rules abhi jo fintech lenders kuch cases mein kar rahe hain, usko formal banane ke liye hain. Iska impact October 1, 2026 se dikhega.
Kab aur Kaise Band Hoga Phone?
Sabse important baat, phone tabhi lock hoga jab loan ka paisa 90 din se zyada late ho jaye. Lender ko pehle 60 din late hone par ek notice dena hoga, aur phir borrower ko 21 din ka time milega dues clear karne ka. Uske baad bhi agar paise nahi diye, toh 7 din ka extra notice dekar hi features band kiye ja sakte hain. Aur haan, internet, incoming calls, emergency calls jaise zaruri cheezein band nahi hongi. RBI chahti hai ki ye sab gradual ho, ekdum se phone ko band na karein.
Paisa Dete Hi Phone Chalu!
Aur agar aapka sara due clear ho jata hai, toh lenders ko 1 ghante ke andar phone ke saare features wapas chalu karne honge. Agar unhone galati se phone band kar diya ya late kiya, toh aapko har ghante ka ā¹250 compensation milega. Loan jaldi pay karna hai toh woh bhi kar sakte ho.
Recovery Agents ke Liye Bhi Naye Rules
Sirf phone lock karne ka hi nahi, RBI ne loan recovery agents ke liye bhi strict guidelines banayi hain. Recovery agents ko ab IIBF jaise institutions se certification leni hogi. Banks ko apne recovery agencies ki details public karni hongi. Recovery agents subah 8 baje se shaam 7 baje ke baad call nahi kar sakte, gaali-galoch, dhamki, ya family ko pareshan nahi kar sakte. Social media par kisi ko sharminda karna bhi mana hai. Agar borrower ki koi complaint pending hai toh us case mein recovery nahi kar sakte.
Fintech Lenders Par Asar
RBI ke is move se fintech lenders par kaafi asar padega, jo loan recovery ke liye technology ka use karte hain. Ab unhein borrowers ki privacy aur rights ka zyada dhyan rakhna hoga. Ye sab 2026 ke end tak ą¤²ą¤¾ą¤ą„ hoga, toh companies ke paas time hai apne systems ko adapt karne ka. Overall, yeh regulations credit market ko zyada responsible banane ki taraf ek kadam hai.