Bankon Ke Liye Riski Huaa Gold Loan

Business » Wednesday, April 17, 2013

shilpi sinha Mumbai. . Gold ab sef aiset naheen rah gaya hai aur na hi gold loan. HDFC bank jaise top bankon ko atraikt karne vaala gold loan ab doosare aiset baikd loan ki tarah hi riski ho gaya hai. Sone ke haai leval se 25 feesadi neeche aane se difault ka khatra paida hone laga hai. Gold ki keemat mein haaliya giraavat se manappuram aur muthoot jaisi companiyon ka margin bahut ghat gaya hai. Isse bauroars mein bhi loan reepemeint ki dilchaspi ghati hai. Haal ke varshon mein badhe kaumpitishn ne kai companiyon ko loan vailyoo (elateevi) se samjhauta karne par majaboor kar diya. Kuchh companiyon ne gold ki vailyoo nikaalne ke anoothe tareeke apanaae, jismein meking chaarj aur gahane banaane mein hone vaale loss ko bhi shaamil kiya. Isse praudakt ki price 25 feesadi tak badh jaati. India retings ke director prakaash Agrawal kehte hain, 'Haaliya giraavat se loan portfolio ka risk ekdam saamane aa gaya hai jo mukhya roop se kolaitaral vailyoo par aadhaarit hai aur jismein andaraleing ke cash flo ko khaas tavajjo naheen di jaati hai. ' Agrawal ke mutaabik, 'Industry mein loan too vailyoo jyaada hone aur bulet reepemeint strakchar (ekasaath principle aur intarest pemeint) ke chalte security ki keemat mein tej giraavat aane par bahut kam kushan bachata hai. ' haai infleshan se bachaav ke taur par yooj hone vaala gold haai leval se 25 feesadi tak neeche aa gaya hai. Daraasal, global investors ne ameriki aur Japani share baajaar jaise riski aiset ka rukh kar liya hai. Sone mein lagaataar 12 saal se bane teji ke rujhaan se gold leinding mein teji ka maahaul bana khatm ho sakta hai agar ismein 10-15 feesadi ki aur giraavat aati hai. Ikara ki ainaalist vibha batra kehti hain, 'Sone ki keemat mein giraavat se gold loan difault ka risk badh jaaega. Isse gold loan companiyon ki aiset kvaaliti mein giraavat aaegi. Gold loan companiyaan bauroars ka kredit asesameint naheen karti hain. Difault ka risk isse bhi badhta hai. ' gold loan ka 80 lakh karod ka baajaar hai. 2011-12 tak desh mein 40 gold loan companiyaan ho gayi theen. Elateevi limit tay kiye jaane ke baad growth rate ghat kar lagbhag 10 feesadi rah gaya. SBI ke Chairman prateep chaudhari kehte hain ki bank gold loan ke liye elateevi ratio ka review karega. RBI ne bankon ke liye elateevi ratio tay naheen kiya hai. Maan liya ki company 100 rupae ke sone par 75 rupae loan deti hai aur gold ki keemat 25 feesadi ghat jaati hai to gold loan company ko nuksaan hoga.