Aasaan Naheen Hoga Bank License Haasil Karna RBI
Business » Friday, April 26, 2013
iti bureau Mumbai companiyon aur finance farmon ke liye bank license haasil karna kaafi mushkil hoga. Nae bank license ke liye bhaarateeya reserve bank (RBI) financial inakloojan par kaafi jor day raha hai. RBI ke dipti Governor ke si chakravarti ne kaha, 'Is baar bank license haasil karna 1993-94 ki tarah aasaan naheen hoga. Humne is baar praayariti sector leinding (peeesael) naurms rakhe hanai, jo anivaarya hain. Iske alaava 25 feesadi branch un ilaakon mein khole jaane hain, jahaan abhi logon ko banking suvidhaaen naheen mil rahi hain. ' aisi kai naun-banking finance companiyaan (enabeeefasi) hain, jinki graameen ilaakon mein 10 feesadi se kam maujoodagi hai. Banking license haasil mein dilchaspi rakhane waali L finance, mahindra end mahindra financial services, shreeraam transport finance aur elaaaisi housing finance jaisi enabeeefasi ki door-daraaj ke ilaakon mein kuchh branch hain. Haalaanki, ye rooral kastamars ko services deti hain. Bank license ke liye RBI ke tay naurms ke mutaabik, eplikeints ke paas kam se kam 500 karod rupae ka kaipitl hona chaahiye. License haasil karne waali company ko kam se 25 feesadi branch rooral area mein kholne honge. Ek enabeeefasi ke CEO ne kaha, 'RBI ko rooral area mein branch kholne par jor naheen dena chaahiye, kyonki kaust kam rakhane ke liye technology ka istemaal karna jaroori hai. Business model ko kaust-efishiyent aur skelebal banaae rakhane ke liye technology ka istemaal jaroori hai. Rooral area mein branch kholne ke preshar se yah model avyavahaarik ho jaaega. ' kuchh companiyon ka kehna hai ki aise ilaake jahaan bank naheen hain, unamein 25 feesadi maujoodagi kaafi mushkil hai. Unhonne kaha ki sarkaari bankon ko bhi aise ilaakon mein eksapainshan mein dikkatein aa rahi hain. Shreeraam transport finance ki 530 branch aur 350 rooral touch-pvaaints hain. Vah desh ki sabse badi truck faaineinsar hai. Touch-pvaaints ko ek ya do log service dete hain, jo ghar se ek room ke office se kaam karte hain. Company ke CEO evam emadi Umesh revanakar ne pehle kaha tha, 'Rooral area mein hamaari branch naheen hain, lekin ham rooral seintars se oparet karte hain, jo hamaari branch se kanekted hain. ' elaaaisi housing finance ki bhi rooral area mein branch naheen hain. Yah 7,000 hom loan ejeints aur kastamar-rileshanaship esosiyets ke jariye rooral kastamars ko services deti hai. Company ke 190 branch mein se jyaadaatar semi-urban ya urban area mein hain.