RBI ne loan recovery ko lekar sakht rule bana diye hain. Agar koi bank ya NBFC gunde-mavali wala tareeka use karke paisa vasulega, toh investors ko chuna lagna tay hai.
Recovery ke naam par gundagardi ab nahi chalegi!
RBI ne saaf kar diya hai ki loan recovery agents ka behaviour unprofessional hua toh seedha action hoga. Public shaming, dhamki dena, ya gaali-galoch ab legal trouble ka bada karan ban sakta hai. Rule simple hai—recovery calls sirf 9:00 am se 6:00 pm ke beech hi ho sakti hain. Investors ke liye ye sirf compliance ki baat nahi hai, ye brand image aur legal risk ki baat hai. Ek choti si galti bank ki reputation barbaad kar sakti hai.
Legal rasta hi sabse best hai
Jo lenders SARFAESI Act jaise formal legal tools use karte hain, woh safe zone mein hain. Shortcuts lene wale banks hamesha regulator ke radar par rehte hain. Jab bhi aap kisi bank ya NBFC mein paisa lagayein, toh unka 'Collection Track Record' check karna mat bhoolna. Agar koi company sirf aggressive tactics se apne bad loans kam kar rahi hai, toh samajh jao ki woh bomb par baithi hai.
Investors ko kya check karna chahiye?
Shareholders ke liye, company ka compliance culture hi management ki quality batata hai. Agli baar AGM ya conference call mein ye zaroor dekhein ki kya management internal controls aur vendor management par baat kar rahi hai ya nahi. Agar koi lender RBI Integrated Ombudsman Scheme ke under baar-baar complain face kar raha hai, toh exit ka plan banane mein hi bhalayi hai.