Why RBI’s new Guidelines have Halted the P2P lending industry? | Economy | UPSC
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Main mobikwik ka p2p ka lanfing pe apna money investment korke Rakkha hu so kaya money safe hai
i think this idea is given by our chachi 🤣🤣🤣🤣🤣🤣
2:14 chaliye shuruaat karte h aur sabse pahle ye dekhte hain ki exactly hua kya hai..😊 2:17
Bhla manush
Saviour
Thanks
Govt to Normal people:: Tere ko Kamane hi nhi denge tu jitna bhi karle
Cooperative banks me invest krte honge to pta hi hoga na ki kb dub jate h fir sarkar ko bologe ki in pr regulations kyu nhi h..
do you know much unsafe this scheme is their is no guarantee anyone...if you want good return invest in mutual fund not in this
@@Error-we7vl These steps will not make it safe.
Why can’t they remove tax on FD ? Common sense
तुम्हें पता है बड़ी कंपनियों के पास कितना CASH रहता है... बड़ी कंपनिया 2-3 महीने बोर्ड के सदस्य, सीईओ, सीएफओ, प्रबंधक, सीएस, सीए इनके अलावा जितने भी कर्मचारी हैं उनकी सैलरी को 1/3 करके भी उनसे काम निकलवा सकती है... 2/3 पैसे को बैंक FD में रख देंगे... हुआ ना तगड़ा प्रॉफिट खेल और अगर TAX हटा दिया तो वे भी रोकड़ा मार्केट में डालने के बजाय COMPANY TRUSTEE FUND ACCOUNT के FD में डाल देंगे... TAX से पता चलता है करम चारी के PF/NPS में पैसा कितना और कब पहुंचा, करम चारी को सैलरी कब और कितना समय मिला...अगर टैक्स नहीं लगेगा तो कंपनी ट्रस्ट FD में कर्मचारी का 2/3 पैसा जाएगा... यह खेल बंधन बैंक में थोड़े समय हुआ था . ... करम चारी गन्ना छीलता रहेगा ... बैंकों का डिपॉजिट 2 दिन में ओवरफ्लो हो जाएगा ... बैंक भी कहेंगे अब पैसा कहां बाँटू LOAN पर
@@zeedee_7172Gyani baba company account or individual account alag hoti hai bank ko pata hoti hai koun insan or koun company 😂 or usme limit v hoti hai
Nimala Tai would never agree
@@dtravellerblog मौनी बाबा, क्या बैंको को VODAFONE की FOREIGN LISTED कंपनियों का पता था तो वोडाफोन टैक्स चोरी घोटाला क्यों हुआ, सरकार को करोडो का चुना लगा के खुद की भी हालत खराब कर ली ..... भला हो E.D, C.B.I जैसी संस्थाओ का जो इतना बड़ा टैक्स चोरी उजागर किया... जितनी भी बड़ी कंपनियां हैं सब टैक्स का घोलमाल करती हैं तभी तो चल रही हैं.. वरना बैलेंस शीट से चलने लग गई तो 2 दिन में अदानी, अंबानी नेताओ से संपर्क करके खरीद लेंगे... बड़े बिजनेस ग्रुप द्वार शिकार, जंगल में शेर द्वारा शिकार बात एक ही है... एक तरफ बचने का तरीका टैक्स चोरी, दूसरे तरफ बचने का तरीका शेर की निगाह से दूर
Banks को घंटा कुछ नहीं पता होता, टैक्स चोरी के बारे में में उनको बस लोन लेने और लोन देने का मतलब होता है... TDS भी उसी जगह कटेगा जहां लिमिट से ऊपर पैसे का खेल गया हो.... ... टैक्स चोरी व्यक्तिगत/कंपनी और सरकारी टैक्स एजेंसियों का मामला रहता है...
लेकिन आज की डिजिटल करेंसी, हवाला छाप दुनिया में बैंकों को पैन कार्ड और अपने अंडर रजिस्टर्ड खाते के अलावा कुछ नहीं पता.... खुद के ही डिफॉल्ट लोन को वसूलने में 10-10 साल लग जाते हैं.. छोटे आदमी पर ही जोर चलता है बैंकों का
@@Financenthusiast then the banks can keep crying for deposits
Question to RBI - if P2P lender can gives 12% rate of interest then why banks can't.
When P2P companies doing business then it is wrong, but banks are doing the same then it is totally correct.. 😊
RBI ko 8-9% FD interest dena chahiye without taxes , log automatic banks me FD krne lg jayenge ,,
Govt ye simple rule hai-
Pahle kisi bhi cheez ki maa bahen krdo aur agar koi acha solution de Uska to uspr restrictions lga do.
Yahi kaam kiya in logo ne crypto industry k sath Aaj log illegal tarike se paisa cash out krate hai ya fir India chhod kr chale gye.
Agar rule thode normal hote to govt bhi earn krti aur log bhi khush rahte
❤
Currently 9.5 % fd mai mil raha hai
Kis bank m bhaii@@sid.7146
@@sid.71469.5% fd unsecured bank me mil raha hai , koi major bank nahi de raha hai 9.5% fd
@@sid.7146 Konsa bank?
Agar P2P platform ye facility de sakte hai to bank kyu nahi de sakte?? Banks deposit interst rate 6 to 8% aur loan lete hai to 15% se 22%.
Kamayege kaise warna bhai baise sach bolu to fd koi bevkoof hi krayega
Mai literally 1maheene me 20-25% intrest leleta hu aur wahi ye saal me 7% dete wo bhi tab jab mai 5saal ke lia lock kru
Wahi stock market me jab marzi tab nikallu
Agar yah p2p Ki Tarah interest dene Lag Gaye To fir Apne Damad ko loans de kar ke bahar ke country main kaise shift karenge aur RBI wale apni baeti ki sadhi kaise karegen.
@@4AIM108 Fir toh tu arabpati hoga 😂. Ek mahine mein 20-25 percent. Aur 6 chmtiye like bhi kar gaye.
Bruhh p2p meh bhot baar esa hota h ki refund dete hi nai and no one is responsible for that money or agr bank ko kisi bhi situation meh refund Dena hota h that's the difference cutie 🥰
Fir banks bhi 20 se 30 percent interest charge karenge isliye 😢😢
Hence it's proved
RBI is the Father of banks😂
Bank ka loss kese dekh sakta hai😅😅
Haan to jab long run me banking system suffer karta and usse baaki economy pr Asar padta to bhi aap RBI and govt. Ko gaali dete..
@@divyangnasallh7751 if RBI want people back to banking then introduce better better schems
Ese sab ko ban karke kuchh nehi hoga
Logo koi dusra rasta dekh hi lenge
Haa to esme galat kya hai, banking hi main economic support deta hai
@@divyangnasallh7751 Bhai banking industry ko Indian banks ne hi kharab kara hai as a businessman it is so hard to deal with banks and their system BOB se kaam karwata is a headache. FD saalo puarana system hai koi innovation nahi koi change nahi. Instead RBI ko banks ko naye products aur services ke liye force karna chahiye. P2P is a great model for financing jinka Cibil nahi hai.
@@siddharthbhawsar2557 ye sahi hai... bhot bhadiya
RBI to Normal people:- hum tumhe amir hone dene ka khatra nehi le sakte 😅
कितने करोड़ कमा चुके हो, आप देवता? हमें भी बताएं ताकि फिर हम भी सरकार के खिलाफ आवाज उठाए?
😂😂
Epic comment bro.
Government is closing all the option for common people to make profit by investing or by trading.
@@dineshgodara202Saal ka 10 lakh kamala hu aur par tax kitna cut jata hai..
@@dineshgodara202Mat awaz utha bhai.....kahi rbi ghabra ke interest na badha de jaroorat se jyada 😂
ha bank kree to sab thik
bank chaiye 15% -18% charge kare upper se alag alag charges like minimum balance charges , ledger charges , cash handling charge laga de to thik h govt k liye or dusri teraf kevel 5-7 % FDs per dee to profit
Option A.🙏
1 & 2.
Option1: P2P Companies register under companies Act.
Option2 : Yes, it given nbfc status
Option 3: It is regulated by RBI not SEBI, As discussed in video by sir.
Thank you for giving correct answer
Money is not safe in Banking sector. Bank can give guarantee of 5 lacs. Many small or medium level got bankruptcy and people lost their hard earned money 10 lacs to 30 lacs
RBI is child of East India Company.
RBI is now policies paralysis 😢😢😢 that is against poor prefer rich only.
Bruh kn sa poor admi paise ese lend kra h😭😭 ese bol govt is against rich people's
The p2p made getting loan much easier compared to banks.....plus they provided more flexibility n options to borrowers.
Govt. Is just greedy in giving the administrative authority to capitalist.
@@blackjackbanker2359 suicide bhi hote h... bouncer bhi bhejenge recovery k liye.
do you know much unsafe this scheme is their is no guarantee anyone...if you want good return invest in mutual fund not in this
3 mahine se SBI ki complaint RBI ombudsman me kari hai....abhi tak koi action nahi hua hai...yeh sab mile hue hai..
Inflation 7% aur bank interest 2.5 %😢
बैंक मैं डिपॉजिट क्यों करे लोग जब FD के इंट्रेस्ट पर टैक्स क्यों लगता है 1 करोड़ तक की एफडी टैक्स फ्री होना चाहिए
Yes
Uper se bhai intrest bhi to bahut kam hai fd per sirf 5-6% per annum wo bhi lambe period ke lia karwao to ab btao mujhe stock market me 1maheene me 15-20% ka intrest miljata hai aur bhi mere paas koi bond nhi hai ki abhi nhi nikal skta jab marzi mai isse nikal ke dushre me daldu ki lao bhi abhi dushre me lagadu jiske paas knowledge hai wo Bank me jama nhi krate
@@4AIM108interest nahi bolte bhai usko. Interest fixed hota h lekin “speculation” floating hota h. Minus bhi jata h isme
I generally support the RBI decision but this is the most absurd decision by RBI till now . I mean bank bhi to yahi kam karti hai 3% depositers to and Lender to 14-18% tak charge karti hai and bich ka munafa rakhti hai . Same chiz agar NFBC Wale kar rahe hai to kya problem hai RBI ko , we generally knows banks jinko paiso ki zarurat hoti hai unko nahi deti loan and prefer businessmen , ek to RBI banking licence deti nahi hai to , Companies ko NBFC ka licence lena padta hai and agar NBFCs par itna restriction hoga to Companies NBFCs ke licence ka aachar dalegi kya .
Seriously, kuch scrutiny ke jarurat thi but pure sector ko hi khatam kar dena is not the only solution
Yahi samjh aata hai jo system RBI ko nuksan phuchayega uss system ko RBI samapt kar degi...This is only a power game......jisme yahi kiya jata hai......"Agar hum race me aage nhi nikal sakte to baki ko daurne hi mat do" RBI is just doing same in the name of RBI rules and regulations.......matlab pehle khud allow karti hai RBI aur jab RBI ko usse khatra mehsus hone lagta hai to uska THE END kar diya jata hai......
People sitting in AC room will always make policies for rich people because they can't feel the pain of poor people .. Only a poor man can make laws and policies for poor .
8:00 Main Material 8:00
Video start at 2:17
9 percent tax free return kardo and most importantly cash money FD main park hone do without Income tax notice...itna paisa aa jayega banks ke pass one would never imagine...all corruption money will be park in fD's instead of going out of country to swiss or other European banks..
0 development
100 tax
Reservation wale desh me kya expect kar sakte hai bro..
@@NikhilBhatt-m8j right
Sb reservation deke vote Lena chahta h
Bhai nirmala reservation se nhi ayi h @@NikhilBhatt-m8j
Wah wah SAB KA SATHH SAB PE TAX. KYA BAAT HAI !!!!
It will hardly help bank's deposit crunch. Rather a boost to MF industry.
Thats Ok.
Ban Car loans. End the Traffic on roads....if you have to solve problems...
If banks earns 14-15% on loan and gives just 6-7% interest as fd , then it is Okay for RBI.
But if some nbfc gives 9-12% return, instant withdrawal options in turn if they earn 1-2%cut then it is not okay for RBI.h
RBI wants safety of peoples money but they should regulate it in such way that it does not have loopholes ,rather then hampering fedatures provided by nbfc.
00:06 Impact of high-interest rates on investments
00:51 RBI's strict rules may end P2P lending
02:18 RBI's new guidelines have impacted the P2P lending industry.
03:01 RBI's new guidelines impact P2P lending industry
04:21 P2P lending platforms charge extra interest for lenders.
05:03 Understanding the impact of risk on interest rates
06:31 RBI banned instant liquidity options
07:10 RBI has restricted certain peer-to-peer lending platforms from functioning like banks.
08:38 Collaboration between FinTech companies and P2P platforms in India
09:21 RBI's new guidelines have disrupted the P2P lending industry
10:47 RBI imposed heavy penalties on P2P lending platforms for non-compliance.
11:28 RBI guidelines affecting P2P lending industry
13:01 RBI's new Guidelines halted P2P lending industry
By Merlin AI😂
what is this Merlin AI
@@yesican--143 hindi ka English karje summaries kar diya, very nice AI
Naye rules se phele Wale model galdi kya tha?
Bank pe Paisa nahi araha tho rbi new rules banadiye thaki Bank pe vapis Paisa ajaye
आरबीआई ने शुरु किया था लोगों के भले के लिए परन्तु आम जनता को इससे फायदा होने के बजाय लोगों का शोषण होने लगा ।।
जब कंपनियां किसी रुल को true sprit में लागु नही करती और आम जनता को शोषण का कारत बन जाती है तो आम जनता को बचाने के लिए सख्त कदय उठाती है ।।
Answer - A ( 1&2 only ) P2P lendings are regulated by RBI
जिन्होंने पैसा लगाया था उनका भी तो ध्यान रखो. इस देश में इनवेस्टर्स को ढूँढ ढूँढ कर खत्म करने का प्रयास चल रहा है. पता नहीं सर्कार क्या चाहती है.
Aapko bachaya gaya hai ..... this is very risky.
do you know much unsafe this scheme is their is no guarantee anyone...if you want good return invest in mutual fund not in this
Bank loans start officially 12.5%
But practically it's available from 15.5% +GST
Additional so called foreclosure 4 %+ GST
P2P have limited hidden charges than banks
Option B) Only 2
if p2p platforms can offer a high interest rate then why are banks can't
Banks me cash short start hi hua tha ki govt aa gyi logon pè jor chlane.. Lgta hi nh hum democracy me jee rhe h! 🤧
True
Kal paisa dub jayga then tum log govt ko blam karoge. .
Yai sedha sedha unsecured loan hai ..
Agar banks band hogye in sbki wjh s...kya ye safe alternate ban payenge?ky non regulated ase platforms safe hain?fir frauds honge...tb log royenge...banks are important.take any country as example..without healthy banks and proper regulations ..progress not possible
Democracy bas west bengal mai hai
@@sumitbhatt766nahi Gujarat mai hai ,surat election
Gunda Raj hy . Risky to bank me paisa rakhna bhi hy. Zyada tr scams me bank mainly PSU involved hoty hi hn. RBI tab to koi guarantee nahi leta account holders ke complete money ki fir aaj kun itna hero bn rha hy.
Jb jb logon ko inflation beat krny ka option milega tb tb RBI ko problem hota hy.
विश्व गुरु एक ही कहना सबको फ़क़ीर कर के रहुगा 😂😂😂
Good morning sir, Please make a video on UPS (unified Pension scheme)
This is all done for banks. No body can make money than banks in India. Corrupt RBI.
Sir, you need a full study on it. In p2p platform charging 18 to 28 % intrest rate depand on amount n period. They keep 6 to 7% as buffer to face npa, the. 4 to 5 % is platform income for their services. And then they paying upto 10 to 12% to lendor.
FD rates ko 12% karo dekho paisa
aata hai ya nahi
Jio yahi sab karegi..just wait and watch and may be someone in government even give them award
Banks to government: hame bacha lijiye prabhu , public paisa nahi deposit kar rahi, loan kaise de😢
True
Agar RBI ko itna hee chinta hota tho aaj Sahara dubta ni 😢😂😂😂
Right to recall RBI governor is must, so that this type of currpt decisions are not made
If citizens are getting 12% its risky and same rbi approved banks lend at 18 then its risk factor wow - doglapan
Wohi baat hai Hum to padne me kamzoor hai to dusre to v padne nahi degay 😂
😅❤ True
what about banks on savings they give 3% on savings but charges people 8%-12% and more for borrowing 😢
RBI to ban kar diya,lekin desh ka bohot sare lok to bohot Paisa lagaya hai, wo Paisa ka kya hoga,RBI ko wo Paisa return ka koi process lana parega,
Pahle to bohot bank bhi band ho gaya tab bhi aam public ka paisa dub Gaya or abhi bhi wohi
RBI ne to aise platform ko manjuri di thi to ab kya hua
Banks are facing problem of low deposit to credit ratio. People are not depositing in the banks so banks are not able to give loans and earn profit. This step was taken to save banks but it will harm people.
The only option left is to leave India. Maybe not me but certainly my kids will be. I thought this government is also walking on the same tracks as Congress. Don't let common people earn more then they be no more common.
But sab ka sath or sab pe tax ..ka kya hoga 😂😂😂
do you know much unsafe this scheme is their is no guarantee anyone...if you want good return invest in mutual fund not in this
Seems like RBI is trying to help banks in CASA ratio matter
12:23 - ans) A
Saaf dikh raha hai Amir log gareeb ko aage badhne nahi dena chahte
ये सही है 2017 के रूल्स पर 2024 में कार्यवाही ।मतलब 7 साल जमकर कमाओ फिर rbi थोड़ा बहुत जुर्माना लगा भी दे तो क्या 7 साल तो उससे कही ज्यादा कमा लिया।।
Humare yaha (North-East) Gaon me KABULI wala hota hai jo 10% ki rate pe loan deta hai.
Not Yearly, it's 10% monthly.
Agar aap 1 lakh loan lete hai toh har mahine 10%=10,000Rs dena hoga, Jab tak aap ek saath 1 lakh return nahi kar deta.
It's also because after successful UPI, RBI is now going to launch ULI (unified Lending interface)
There are no risk in Rummy circle & dream 11 according to gov bodies.
Govt be like : Lutenge sirf hum😂
Tera izzat luta kya????
@@HillariousPanda16why so abuse....
He is saying truth. Why are you talking like amateur. @@HillariousPanda16
Royal dog he is @@VISHALKUMAR-gn7bj
I agree with u
Inka mind aur intna sada huwa hain ki logo hamesh bhikari kaise rakhe ye sochte hain....
FD's interest rate should be non taxable. I have to pay 35% taxes, why would I keep my keep my money in banks when the inflation is so high.
P2P lending was the forefront of inclusiveness across all economic sectors.
If your banks cant compete with P2P just guess the inefficiency.
It think RBI focused on a potential bubble.
Agar aur bhi proof chahiye toh gujrat loby ke har mumment ko check karo sab patta lag jayega
Recently.. bank interest rates on personal loan is 22%
Govt ese hi Har chiz ko privatize keliye support karna chahiye, saath me unke upar full nazar rakhna chahiye, nahi to janta ko private company loot lege.
Thank u RBI❤
Capital gain tax progressive tax hona chahiye. Ya fir certain limit tak relaxed hona chahiye.
Banks apni profit Thousands of Crore ka bana rehi hai, thik hai, par depositors ka paisa use kar k bana rehi hai. Maintenance charges like net banking, atm charges, cheque book charges, minimum balance charges sab customer hi dey, profit hua ta bank le le.
Profit share ta banta hai...
Ans. A
P2P me paise invest krne se kya small finance banks FD investments ki tarh DICGC se 5 lakh insurance milta tha kya pehle?
Sab krenge pr fd rates nhi bhadayenge or na hi loan rates kam karenge.
This is a great move, P2P lending is always risky, the platforms such as 12% club had started marketing itself as a investment platform! Please educate yourself before ranting against the government!
I invested in mobikwik p2p last year it was so nice to see that you getting daily interest which was withdrawable daily
बैंक 10-10% खाते है वो RBI को गलत नहीं लगता।
Bank nifty Kal 1000 point Gapup.. Enjoy...
Such frequent ban is not good for new Ecosystem... It should be tweeked... Not Banned.
Ye share market aisa ban chuka h chaye jo sarkar aaye ye uppar hi janewala h ye ruk hi nahi skta upar jane se😮
Please make a video regarding Data Centre Investment Schemes
Start 2:15
Though its a good decision but Banks also do not guarantee that money is safe there in Banks.
Good initiative taken by RBI . As they are goons of the market . Exploited lending of common people.
23 tarik se hi p2p lending mai invest karna suru kia tha..😅😅😢
Sir please make one video on difference between UPS and OPS
Look there are no regulation in the fintech market whereas there is regulation In banking . Hence that might be the reason .
Lendingkart charge 33℅ interest rate. RBI how they allowed such high interest rate
Banks had continuously decreased the Interest rate on saving, and exploited the customer to on both sides i.e. while saving in account(very low intereste)as well as while borrowing from bank(high intereste). It is their doing which led people away from them.... Solution is same... Increase Saving Interest Rate as well as pass on the benefits of decreased Repo rate to the customer by decreasing Loan Interest reasonably.
DICGC insurance guarantee 10 lakh kardo 5 lakh se, aur bank FD mein interest rate badha do aur usko tax free kardo, bank mein aram se deposit ayega
There is a vision in the decision of the RBI😊 because the result will be the large amount of the lender will be NPA at the ending of this all. Any why should RBI taking a chance becoming all this panorama.
A). Correct
bank toh unorganized sector maen job krne walo ko lend krti nhi hai ab ek sahara tha ab wo v nhi mile ga
Mera Investment hai 2 lakh 15 hajar mobikwik Xtra pe 2 saal ho gaya. 😢
what about previous transactions which has already done?
Ans B
Mere comments ko dhiyan se yaad rakhna aur yeh sach hone wala hai near future main
I think it's a Good decision 👍🏾 it will help to reduce potential scams and defaults
Sir please make a video over gov new UPS system for gov employee and which one is better for gov employee NPS/UPS
The reason as per RBI commentry Currently Banks are in severe cash crunch. Now a days people are not parking their money in Banks.
why should they?
Agar Bank tik tak interest dete to log bank me paisa dalte. Kamse Kam inflation ko to match karne layak interest dedo.
Sir one session needed by you regarding the scamming of the Indian banking sector.these days in the name of bank insurance companies are misseling all the products.just like sbi life insurance companies,all the staffs of sbi life are selling in the name of sbi brand.and due to the commission system all the bank executives are in the target.the executives are forcing the grassroots bank officials for selling 3rd party products.and also the 3rd party staffs are also taking the clutch of the management also targeting for transferring and giving punishment etc.sir it's a grim reminder that none is ready to accept this as it's going to be a debacle in future sir
Video starts at 2.21
Sir please make a vedio on unified pension scheme and defferciate With NPS scheme