Whalesbook
Toh hua kya hai, ki ye $137.67 Billion jo desh mein aaye hain na, ye India ki GDP ka 3.5% banate hain. Matlab, desh ki economy ko support karne ke liye ye ek dum solid foundation hai. Compare karo toh Mexico, jo second number pe hai, usne toh bas $64.7 Billion hi collect kiye hain.
Ye jo bahar se paisa aa raha hai, ye India ke current account deficit ko manage karne mein bahut help karta hai. Is baar toh yeh deficit 0.7% pe aa gaya tha FY24 mein, jisme private transfers (yani remittances) ka 11.9% jump tha. Aage bhi around 1.1-1.2% rehne ka chance hai.
Aur interesting baat ye hai ki paisa aane ka source bhi change ho raha hai. Pehle GCC countries se zyada aata tha, ab woh kam ho gaya hai (38%), aur advanced countries, jaise US (jo 27.7% bhejta hai), se zyada aa raha hai (42%). Isse flow aur stable ho gaya hai.
Sirf paisa hi nahi, hamare jo log bahar rehte hain (diaspora), woh tech sector ko bhi boost kar rahe hain. Government bhi 'brain gain' policy se unhe wapas laane ki koshish kar rahi hai taki woh startups ko help karein aur invest karein.
Abhi Indian Rupee thoda weak hai, 83.679 ke aas paas chal raha hai US Dollar ke muqable, US interest rates ki wajah se. Lekin ye remittances aur country ki growth isko balance kar rahe hain. Fintech companies jaise BookMyForex, Fable Fintech, aur Paytm jaise platforms is process ko easy bana rahe hain.
Haan, kuch risks bhi hain, jaise global slowdown ya oil prices ka fluctuate hona, jo GCC se aane wale paison ko affect kar sakta hai. Aur Middle East mein koi conflict hua toh us area se aane wale flows ruk sakte hain. Par overall, India remittances receive karne mein number 1 rehne wala hai, aur ye money India ki stability aur growth mein kaam aata rahega.