Whalesbook
Court ne pakda banks ko lending mein double standard pe:
Supreme Court ne saaf saaf kaha hai ki banks bade corporates ko loan dete waqt kaafi 'casual' ho jaate hain, jaise koi baat hi na ho. Lekin jab ek aam aadmi ya chota borrower loan lene aata hai, toh rules itne strict aur process itna tedious kar dete hain ki woh 'pareshani' se kam nahi lagta.
Justice Ahsanuddin Amanullah aur Justice R. Mahadevan ne isko ek 'chintajanak trend' bataya hai jo system mein bias dikhata hai.
Aam janta ke liye loan access easy ho:
Iske liye, Supreme Court ne government ko suggest kiya hai ki woh kuch policy ideas explore karein taaki aam log, especially kam income wale, easily loan le saken. Court ka kehna hai ki RBI aur banks ke fundamental rules waise hi rahenge, bas loan apply karne aur recover karne ka process sabke liye fair aur smooth hona chahiye.
Case study: SBI aur Bhaskar International:
Yeh saari baatein ek case ke chalte hui hain jisme Bhaskar International aur State Bank of India (SBI) involve the. Case ₹8 crore se zyada ke loan ki recovery ka tha jo SBI ne 2019 mein diya tha. Court ko SBI officials ki 'negligence' dikhi kyunki borrower loan start hone se pehle hi repayment nahi kar paya aur account NPA ban gaya. Court ne Bhaskar International ki SBI dwara property zabt karne se rokne ki request toh nahi maani, par is case se banking practices par sawaal zaroor uthaya.
Loan aur recovery mein inconsistencies:
Supreme Court ki yeh comments Indian banks ke lending aur recovery practices par chal rahe discussions ko highlight karti hain. Retail lending badh raha hai, jabki corporate lending kam hua hai. Par, personal loan NPAs bhi badhe hain, jo retail lending mein stress dikha sakta hai. SBI ke corporate loan approval mein hui 'negligence' dikhati hai ki bade loans ke liye risk assessment mein kami ho sakti hai. Recovery processes mein SARFAESI Act aur DRTs jaise tareeke hain, par court ka kehna hai ki inka practical use ab aur fair hona chahiye taki logon ko zyada mushkil na ho.
Due diligence aur recovery mein unfairness:
Sabse badi baat yeh hai ki corporate aur individual lending mein due diligence standards mein fark hai. SBI ne ek bade corporate loan ko approve karne mein jo 'negligence' dikhai, woh chote loans ke liye hone wale strict process se bilkul alag hai. Isse sawaal uthta hai ki bade loans ka risk assessment kitna thorough hai, khaas kar jab loan approve hone ke turant baad default ho jaye. Corporate defaults ki recovery process lambi ho sakti hai, jaisa ki Bhaskar International case mein dikha. Personal loan NPAs ka badhna bhi batata hai ki recovery mushkil hai, chahe rules kitne bhi strict kyun na hon.