Whalesbook
RBI ne bola hai, "Ab kharidaar nahi, bechne wala sambhal ke!" Yeh hai propose kiya hua 'Responsible Business Conduct Amendment Directions, 2026' jo February 11, 2026 ko aayi hai. Iss draft rule ke hisab se, agar koi product customer ke liye suitable nahi hai, toh yeh mis-selling hai, chahe customer ne 'yes' bola ho ya nahi. Iska pura responsibility ab banks aur financial institutions par hoga jaise NABARD, National Housing Bank, EXIM Bank, aur SIDBI par. Ye ek bada shift hai 'buyer beware' se 'seller beware' approach mein.
Suitability Assessment Sabse Important!
Naye directive mein, product bechne se pehle company ko customer ki age, income, financial literacy, aur risk tolerance ko carefully evaluate karna hoga. Yeh Clause 32ZF mein bataya gaya hai. Ab sales calls aur branch interactions ko zyada advisory-based banana padega, jisse customers ka trust badhega. Pehle log sirf sales target pura karne pe dhyan dete the, par ab proper check karna compulsory hoga.
Outreach Aur Consent Ke Naye Rules
Customer ko contact karne ke liye naye rules hain, Clause 32ZL ke andar. General contact time 9 AM se 6 PM tak hi hoga, jab tak customer khud permission na de. Product bechne se pehle terms aur conditions ko poori tarah samjhana hoga. Digital sales mein toh aur bhi strict hain. Clauses 32ZD aur 32ZE kehta hai ki alag-alag product ke liye alag-alag consent lena hoga, ek saath sabko tick karne ka option nahi milega. Promotional messages ke liye bhi explicit opt-in chahiye aur unsubscribe karna bhi easy hona chahiye.
Sale Ke Baad Bhi Accountability Aur Refunds!
Agar mis-selling prove ho gaya, toh Clause 32ZX ke mutabik, customer ko poora amount wapas milega aur agar koi loss hua hai toh uska compensation bhi diya jayega. Clause 32ZV mein yeh bhi bola gaya hai ki sale ke 30 din ke andar kuch customers se contact karke confirm karna hoga ki unko product properly samajh aaya hai ya nahi.
Revenue Aur Business Model Pe Asar
Banks ki fee-based income, jo unki total income ka 25-30% hoti hai, us par thoda pressure aa sakta hai. Kyunki Clause 32ZR aggressive selling ke liye incentives ko mana karta hai aur Clause 32ZS mein third-party products ko compulsory bundle karna mana hai. Global level par bhi consumer protection badh raha hai. Jo financial institutions customer ki needs samajhkar solutions dengi, unka business long term mein acha chalega.
Bancassurance Aur Distribution Models Pe Impact
Bancassurance, yaani bank branches ke through insurance bechna, is par bhi bada asar padega. Clauses 32ZS aur 32ZG third-party products ko bank ke product ki tarah dikhana mana karte hain. Agents ko bhi clearly identify karna hoga (Clause 32ZB). India mein bancassurance market ₹55,800 crore ka hai, toh short-term mein thodi difficulties aa sakti hain. Lekin, agar trust badhega toh insurance penetration, jo abhi 3.7% hai (global average 7.3%), woh bhi badhegi aur market expand hoga.