Ek naye data se pata chala hai ki **40%** distressed borrowers sirf apni purani EMI chukaane ke liye naye loans ya credit cards ka use kar rahe hain. Isme se **60%** log toh apni poori income sirf debt repayment mein kharch kar rahe hain, jo ki banking sector ke liye ek bada khatra hai.
Debt trap ka khatarnak khel
Indian households ab ek aise cycle mein phans chuke hain jahan purani EMI khatam karne ke liye naya karza lena pad raha hai. Debt-resolution platforms ka data batata hai ki 40% log personal loan ya credit cards ka istemal sirf survival borrowing ke liye kar rahe hain. Debt ab consumption ke liye nahi, balki sirf liquidity manage karne ka ek zariya ban gaya hai.
Financial stress ka asli ganit
Situation kitni serious hai, iska andaza is baat se lagaiye ki 60% borrower apni puri monthly income sirf debt service karne mein laga rahe hain. Aise mein agar koi medical emergency ya job loss ho jaye, toh default hona tay hai. Ye log naya loan isliye lete hain taaki filhal default se bach sakein, lekin isse unka total interest burden aur badh jata hai.
Banks aur NBFCs ke liye badhti mushkil
Jo banks aur NBFCs unsecured loans (jisme koi collateral nahi hota) mein aggressive hain, unke liye ye data warning sign hai. RBI ne pehle hi risk weights badha kar is par chinta jatayi thi, par ye data dikhata hai ki retail credit ki quality paper par jitni dikh rahi hai, usse kahin zyada kharab ho sakti hai.
Jab borrower naye loan se purana loan bharta hai, toh system mein default ka asli level chupa rehta hai. Isse lenders ke liye NPA (Non-Performing Assets) ki pehchan late hoti hai, jo aage ja kar ek bada jhatka ban sakta hai.
Investors ko kya track karna chahiye?
Agar aap banking stocks mein invested hain, toh aane wale quarterly results mein ye cheezein zaroor dekhein:
- Collection Efficiency: Company ka paisa waapas aane ka pace kya hai?
- Slippage Ratios: Personal loan segment mein kitne accounts bad debt mein badal rahe hain.
- Regulatory Updates: RBI agar unsecured lending par aur sakhti karta hai, toh profit margins par sidha asar padega.