Daam Girne Se Preshar Mein Gold Loan Companiyaan

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Daam Girne Se Preshar Mein Gold Loan Companiyaan

shilpi sinha Mumbai gold ki keematon mein I tej giraavat se sone ke badle karj dene waali companiyon ke kaarobaar ko jhatka lag sakta hai. Pichhle ek pakhavaade mein gold ke daam kareeb 12 feesadi girkar do saal ke lo leval par pahunch gaye hain. Isse gold loan ka kaarobaar karne waali naun-banking finance companiyon ke business par bura asar pada hai. Aisa pehli baar ho raha hai jabki gold ke badle loan dene ke business model ko kadi pareeksha ke daur se gujarana pad raha hai. Yah business pichhle 3-4 saal mein kaafi organaaijd huaa hai. Bank aur enabeeefasi donon ne hi is business mein kaafi egresiv tareeke se kaamkaaj shuroo kiya hai. Haalaanki, RBI ke loan too vailyoo reshiyo par seema tay karne aur fair praiktises naurms laane se pichhle saal gold loan business ki growth kuchh sust hui hai. Market ke jaankaaron ka kehna hai ki gold ke daam mein bhaari giraavat se manappuram aur muthoot finance jaisi gold finance companiyon mein difault ki sankhya badh sakti hai. International gold market mein daam girne se bhi koletral ke kam riylaaijeshan aur difault mein ijaafa ho sakta hai. Agar kisi maamale mein udhaar lene vaala paisa chukaane mein naakaam rahata hai, to company uske girvi rakhe gaye sone ko bech deti hai. Ikara ki enaalist vibha batra ke mutaabik, 'Gold ke daam mein giraavat se gold loan par difault karne vaalon ki taadaad badhegi, isse companiyon ki eset kvaaliti par asar padega. Agar sone ke daam mein tej giraavat aati hai to in companiyon ki aamdani par aur jyaada bura asar padega. ' karj lene vaale apne paas maujood gahanon ko in gold loan companiyon ke paas girvi rakh dete hain. Ye companiyaan gold ki vailyoo ka 75 feesadi tak hissa loan ke taur par logon ko deti hain. Sone ke badle udhaar lene vaalon mein se jyaadaatar chhote aantraprenyor hote hain jo ki short-tarm financial jarooraton ke liye loan lete hain. Ye chhote loan hote hain aur inka evarej tikt saaij 50,000 rupae hota hai. Bering private ikviti partners India ke Rahul bhaseen ke mutaabik, 'Koletral ki vailyoo mein 20 feesadi ki giraavat se gold faaineinsing companiyon ke business model par koi fark naheen padega. Isse companiyon ke operating leevarej par fark padega aur evarej tikt saaij mein giraavat aaegi. ' bering private ikviti ki manappuram finance mein 7.6 feesadi aur muthoot finance mein 3.09 feesadi hissedaari hai. Peedablyoosi ke director shinjini Kumar ke mutaabik , ' gold finance companiyaan is ummeed mein growth kar rahi hain ki gold ki keematon mein badhotri hogi. Lekin ab in companiyon ko apne business model par fir se gaur karna hoga. Gold ki keematon mein aane waali giraavat ka alag - alag gold loan company par alag - alag asar h oga. '

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