MFI stress now evident: RBI's small-loan fears turning real | Know in detail
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Hone do Reality sector mein bhi bohot bada bubble hai....
36%
in my village people takes bandhan microfinance loan to do picnic 😂
Same bro😂😂 i thought it happeing only my village but it's not😂😂
Actually most of the loans are will full defaulter
What😮
Hindus have money for every worthless activities
That's very interesting comment....
Save your time 1:19
Thenk you in jethalal style 😂
1:25 actually
@@rajhindustani5447 thanks 🙏👍
Thanks 🙏🏻
Exactly hua kya he
03:14 NPA TYPES->
*SUBstandard assests(>3month to 12month)
*Loss assets(not giving any amount of it)....
Microfinance-> collateral free loan to househol with
Summary 👌👌
@Manshi4813 🎯✌️
30% tax, 28% GST, 40%-50% tax on CARs, discouraging 80C deduction, increase of DMart like stores are few factors.
Surprisingly every bank is currently focusing on clean loans though the NPA rate is higher. Banks should focus giving better customer service instead just putting pressure their employees to sanction loans without collateral
paise bahut hai logon k pass. waps krne ki niyat nahi hai
Inspired by vijay malya mehul choksi
To tu krde 😂
As per national accounts statistics Household savings at five decade low, to pata nahi bhai tune kin logo ke ghar me jhak ke dekha ha.
@@sagar5251adani Ambani ke Ghar 😂
Tu tax kam karde sab denge😂
सबसे बड़ी बात तो ये है सर कि हमें फाइनेंश मैनेजमेंट से रिलेटेड टॉपिक कभी पढ़ाया ही नहीं जाता और जब हम 20-22 वर्ष के होते है तो दिखावे, मॉडर्न ट्रेंड के फैशन को फॉलो करने के लिए आसानी से लोन ले लेते है बिना ये सोचे कि हम इसकी भारपाई कैसे करेंगे, और आखिर में डिफॉल्ट कर जाते है।
Bilkul sahi bhai 👍
👍👍
Kuch cheeze basics hoti h bhai. Har chiz ka blame doosro per ya sarkar par dalne ka kya sense hai. Sab ko itni akal honi chahiye ki 10 ki kamai ho toh 50 spend na kare.
@@rajratnesh777 भाई ये भारत है यहां लोग हेलमेट चालान से बचने के लिए लगाते है अपनी सेफ्टी के लिए नहीं तो फाइनेंस में लोगो के मोबाईल में दिन भर sms भेजकर बिना किसी गारंटी के लोन का ऑफर आएगा तो लगभग 80 परसेंट ट्रैप तो होंगे ही?
Good 👍
RBI and Bharat Sarker must start purchase as many golds to increase gold reserve of Bharat to 2000 ton and more.
Y
Gold is always prestige of Women's beauty and always last option to clear the debt in Indian Family.
If Govt pays money to Indian family to exchange gold so that your target of 2000 Tonnes will not be fulfill as inflation in India will become record high.
More stocks of Gold at RBI will be sitting idle asset as it will not be running in market
Most of them are will full defaulter
True
True 😂
Indians & ethics don’t go together these days.
Wellsaid @@praveen2500
These loans ar3 globally called ninja loans n they were the primary reason for the GFC 2008
Why just focus on microfin banks .. government also do loan wavering for loan. Hardly few farmers actually not able to payback loans and most just take loan and wait for election time and sell their votes in exchange of loan waver..
Its true. I live in a village. It's very common here. Everyone takes farm loans and waits for the government to waive it off.
Ex RBI Governor Raghuram Rajan already talked about this in Past.
Rbi is responsible..they should have kept close contact on these chapri banks giving loans to anyone
It’s a chain reaction.. Credit departments lure people by designing attractive financial products.. Then sales teams do fire sale to meet their targets.. Then underwriters give exceptions to unworthy debtors.. Everybody wants to earn extra incentives.. Eventually they end up creating more jobs for collection teams!!
GST without turnover protection destroyed small scale business in india but government busy elsewhere
All the news about the economy are getting negative day by day , most of the companies are showing decline in profits, banks showing microfinance is not working, inflation is getting above 6%, unemployment is also increased, these symptoms are not good.
Foreign investment is also not upto the mark, these are showing slowdown in economy. Governments need to focus on employment generation , instead of giving freebies. This is high time for freebies.
No Government is creating fear...
@mohammadtalib6257 what do you mean?
RBI is itself culprit of this situation. Recently, RBI imputed micro finance, NBFC that they are levying excess interest rates. 😅
10:16 A) Government of India.
TH-cam पर ही कई चैनल ऐसे है जो लोगों को पर्सनल लोन ना चुकाने के लिए प्रोत्साहित करते है
जो लोग जान बुझ कर लोन वापस नहीं कर रहे हैं उनके खिलाफ कड़ी कार्यवाही होनी चाहिए
Ans- Govt. Of India
Navi loan interest rate 35% p.a
Kreditbee loan apps loan interest rate 36% p.a
High interest rate hai 2 apps me
Mpockket 48% pa 😮
Moneyview ksisa he
Unsecured loans and small finance loans are always expensive.
Ring 45% @@Listenup831
Ans
A) government of India
बैंक इतना पैसा लोगों को बांट रहे हैं,
इतना पैसा ला कहां से रहे हैं बैंक ,
समाज के सभी लोग लोन के जाल मैं फसे हुए हैं
समाज की शांति इस पैसे ने ही खराब की हैं
Logo ke pas paisa hota hai par vo dete nahi 😂
@birlajitendra7306 भाई देते तो हैं लोग, पर आज के टाईम 80% लोग ऐसे हैं जो पैसे ले तो लेते हैं पर वापस देने की नहीं करते इसलिए समाज मैं व्यवहार खराब हो रखा हैं, कोई एक दूसरे को पैसा देना नहीं चाहता
यहीं तो विधी का विधान है पार्थ... 🔥❤
Ans A ❤
❤❤❤
Sir mere village me bahut log private sector se loan lekar phas gaye hai wo bank wala unse 36 % interest rate par year leta hai wo log de nahi paye aur unko apna ghar chhod kar bhagna pada hai
MFI hamesha ek high risk loan😢 kyunki gareeb wohi log hota he jo paisa ka use karna nahi aata he ya ye log ka pre plan nahi hota he.
Isiliye loan hamesha risk rehga😢😢
Ese MFI dene wale company ko govt ka kuch support rehna chahiye, iske karan company loss me nahi jayega aur gareeb uneducated public ko v faida hoga🙏🏻♥️
If loan defaults increase it may cause chain effect in many sectors😢.
They give easily loan to poor people but the interest rate 20-30% per annum. The rural people didn't know about interest rate against their taking loan.
Ye log sab wilful defaulter hai... stringent laws aani chahiye recovery k liye..
Upar bethe hue chor h to... Law kya bnaye 😂
In my place, every labourer is taking loan , drinking alcohol, enjoying and not working, these loans are really bad for economy.
गाँव मे लोग लोन इसीलिए लेते है ताकि चुनाब के बाद वो लोन माफ हो जाए| वो रिटर्न करने के लिए नहीं लेते | क्योंकी कोई न कोई पॉलिटिकल पार्टी हर चुनाब मे लोन माफी का वादा करती ही है 😊😊😊😊😊
I hope this information gets to RBI that people consider these loans as freebies from bank, they create chaos at base level to avail such small loans as they have the perception that they are not to be returned now. This was not supposed to be like this.
Reason: people are taking small lones to pay credit cards
After few months they are over spending and taking more lone or unable to pay existing
Hamne finance me kam kiya hai ye rbi ka khud ka kamjori hai har cheez customer ke fervor me kar diya
A: Government of India
Paise return na de pane ka karn inflation bhi hai... I saw people around my village unable to buy vegetables, bahut jyada paisa ja rha hai groceries kharidne mai.
bajaj finance: aur do снаргi logo ko iphone loan 😂
😂😂😂
Galat tarika se Bahot zyada interest charge karega to aisa hi hoga. Public ko loan ki zaroorat hai aur bank ko bhi lending business ki zaroorat hai . Agar sahi tarika se low interest pe loan milta hai to zyada tar log usko repay kar pata hai. Microfinance me itna chota amount high interest aur chote tenure me milta hai , usse kuch kaam to hota nahi khali pili karz chad jata hai sarpe.
Why Modi's picture not there in the thumbnail??
Mera Bajaj Finance ne 43% liya tha
Sir the real reason is unemployment Agree that some of them do it intentionally...yes ofcourse ROI is too much....
Without collateral no one will pay
Govt should write off such loans also like to they do for rich business peoples
20-22% interest rate hoga to koi paisa wapas nhi karega
A) Goverment of india
GOVT OF INDIA 🥰❤
I took loan from multiple banks and credit card for option trading and I lost all the money thank God I gave the wrong address and I am waiting for complete 14 months so I can settlement in low%.
How much
Except for GST collection, nothing seems to be growing
1:21
Thankyou
Thank you
RBI , की 100% गलती हे लोन चार्ज 15% से 20% , भगवान बचाए इन बैंकों से
Microfinance institutions charge very high interest rate from poor villagers.
It is due to change in policy sir..... Check the detail
Idfc first literally charge me 23% per annum but i clear their loan...never take any loan in future from them...my cibil now above 750 ao hope i get low interest loan from others bank how can people give so much interest.
Nai milega bhai km rate pe... Ye sale sirf leke bhagne walo ko hi denge
@Mishraji2050 literally I feeling sad when I check my statment.i declared them my income all no bounce nothing still they charge like hail..no value of truth or loyalty for them
rbi ya banks ki sabse badi galti hai tenure kam aur emi jyada rakhana jo bechara 50k 1 lck ka loan le raha hai usaki emi hi 5000 arahi 1 lack par 8 se 9 hajar emi hai . jisko 50000 loan lene ki zarurat pad rahi hai usaki monthly income kya hogi?
People are not aware how to use their loan
apni videos ko thoda concise or to the point rkhe...although nhi bhi rkhoge to bhi i will follow you
Aise hi tension mat lo
Natao ke bachhe foreign citizenship le rahe hai aap bhi le lo
Fm jaishankar ka beta American citizen hai aur dusro ka bhi aise hi chal raha hai.
His son never been in India since childhood.
Small finance bank are wasting money of people with high Fd interest rate and giving loan but not able to recover it 😢
Inflation is reason behind default pf loans
The gave loan on very high interest
Good work sir..
They charge very high interest on loans
All micro finance companies are charge too much interest in villagers....
*VILLAGE ME GAWAR ADMI VARE PARE HAI*
Verygood
Loan dene ka hi bahut pressure hai bank me
Sir please make a video on air pollution.
Sir please make a video on air pollution.
bajaj is no 1 notorious bank..
11.6% doubtful loans by number of loans given or money amount of loans given?
In sab loans se logon ko udhar losm lene ka bas adat daal diya hai..isse kisi ka bhala nh hua. Isse band kar dena chahiye.
Lacs of crores are been washed for businessmen ..
Why not for normal people
Sir sirf telegram main answer ko post mat kijiye edhar vi kijiye jisse sab ko on time main help milega
Banks or RBI or Govt should provide only secured loan at lower intrest rate
RBI needs to cut rate immediately
All the best bharat
Yahi cheez pehle bol rahe the bahut saare Journalist to unko Anti-national bola jaa raha tha.
Govt given loan to feriwala from 10000 to 50000
Can one do business in such a loan.
Option A Government of India
बैंक खुद ही बोल रहा है कि आओ मुझे डूबा दो l हम लोगों की मेहनत की कमाई को बैंक मैनेजर बेदर्दी से उड़ा रहे हैं l
Jo log loan repay nai karsalte unka khana band karna chahiye...
Sabka paisa wapas aa jayega. Iss diwali ke liye loan liya tha logo ne. Aur diwali pe biz kamzor raha hai so log paise wapas karenge feb mar ke time.
Jo log paisa leke business ya phir koi income generating activities nahi laga k scooty bike tv refrigerator kharid te wahi default karte hai. Most of them are willful defaulters
Right answer is goverment of india
A question to Indians. Does these microfinance institutes give out loans to both men and women?
When Prof. Yunus invented microfinance, he deduced that men will default on loans so he decided to give loans to only women. And in Bangladesh, only women get microfinance loans, not men.
Is it the same in India or, does both men and women get loans?
Both
What about CGTMSE and CGFMU coverage of these loans
satyam capital ka toh acha chal rha h
Raghuram Rajan... be like..... Main toh bohot pehle he bola tha
Unorganised sector ko barbad karke organised sector ka laalach poora nahi hoga
In a way RBI themselves are responsible for this. What was the need to remove cap of interest rate on loan. Why play with such things
They reduced the entry barrier to promote consumption. I think banks used to give loans to very few people with lower interest rate. With higher interest rate they started charging higher interests. Getting loan became easier. However, who people used to get rejected in previous restrictions due to their inability to return loans got loans this time and they spent it. Obviously, they weren't going to return loans.
Now, it seems that they delibrately reduced restrictions as it was clear that people were putting these loans into stock market and gambling apps which resulted in a inflated market. It seems that the FII knew about the small finance NPAs so they were just waiting for the right time to exit.
Stock market may down more as RBI is going to put restrictions on theae loans.
छोटे लोन धारकों के साथ साथ बड़े कॉर्पोरेट के लोन धारको पर भी कार्यवाही होनी चाहिए🙏
Raghuram Rajan sir predicted this a long ago
@@sourav3199 oh that Soros funded cewtiya? Who destroyed indian back through NPA. under whom rs devalued maximum rate
Loan interest rate should be less than 7% per Annum
SF Banks take deposits at range of 8.5%-9.5%, how come they can offer loan at rate below 7%
Itna Kam interest rate hone par inflation spike kar jayega
16% derahege bhai@@subhamdas393
Uske baad aapko apne deposit pe 3-4% ka interest milega chalega na ?
Then deposit interest rate will be about 5% to 5.5%..
B) RBI
OptionA
Government of India This the answer
you still not listening😐
Freebies and unwanted bad loan lead to crisis
Bihar me bahut saree microfinance company village me ladies ko loan de rhe h