Gold Loan Farmon Ke Stauks Par Preshar

Business » Tuesday, April 2, 2013

sanket dhanorakar Mumbai. . Gold ke daam mein 5 feesadi ki giraavat chinta ki vajah naheen honi chaahiye. Keemat mein ghatabadh ke chalte asthaai taur par aisa mumkin hai. Lekin gold loan companiyon par is giraavat ka khaasa asar pada hai. Mannapuram faainains par bhi is giraavat ki chot padi hai. Pichhle hafte company ka share keval do trading session mein 30 feesadi toot gaya. Company ne kaha tha ki use maujooda quarter mein aamdani kam hone ki ummeed hai aur iska asar iske share ke price par dekha gaya. Muthoot faainains ke share par bhi kuchh chot padi. Vaise sabhi gold loan companiyaan daava karti hain ki unke paas gold ki keematon mein giraavat ko lekar paryaapt kavar hai lekin kya inke business model ise jhelne ke liye majaboot hain? Isse bhi mahatvapoorn hai ki kya aapko apna paisa in companiyon ke sheyaron aur bond mein lagaana chaahiye ya naheen? Gold loan companiyon ka business samajhna mushkil naheen hai. Ye companiyaan gold ko sikyoriti ke taur par rakhakar graahakon ko loan deti hain. Loan ki rakam girvi rakhe gaye gold ki keemat se kam hoti hai aur yah company ke liye sefti margin ka kaam karta hai. Agar karjadaar difault karta hai to company neelaami ke jariye girvi rakhe gaye gold ko bech sakti hai. Loan ki rakam gold ki vailyoo se kam hone ki vajah se gold ke daam mein maamooli giraavat company ko apne karj ki rikvari mein mushkil naheen aane deti. Haalaanki, company ka praufit poori tarah difault ke gine-chune maamalon aur gold ki keematon mein sthirta par nirbhar karta hai. Ye companiyaan yah maankar chalti hain ki karj lene vaala difault naheen karega kyonki vah apni joolari se bhaavanaatmak taur par juda hota hai aur ise vaapas paana chaahata hai. Haalaanki, yah daleel jyaada kaaragar naheen hoti. Agar kisi kaaran se gold ke daam aur 20 feesadi neeche jaate hain to karjadaar ko difault karna jyaada faayademand lag sakta hai. Reserve bank of India (RBI) ne March 2012 mein gaaidalaains jaari kar girvi rakhe gaye gold ki vailyoo ka 60 feesadi tak hi loan dene ko kaha tha. Isse pehle jyaadaatar companiyaan loan-too-vailyoo (elateevi) ka 85 feesadi tak loan day rahi thi kyonki gold ke daam mein lagaataar teji dekhi ja rahi thi. Mannapuram ke maujooda faainainshal iyar ke teesare kvaurtar mein diye gaye loan mein se lagbhag 15 feesadi abhi preshar mein hain kyonki inhein oonchi elateevi par diya gaya tha. Iske baavajood company ke karj ki mool rakam ko jokhim tab tak kam rahata hai, jab tak gold ke daam mein bahut jyaada giraavat na aae. Haalaanki, agar karj lene vaala difault karta hai to company ke loan par byaaj ki rakam se haath dhona pad jaata hai. Gold loan companiyon ke saamane ek aur samasya lo-kaust fund ki upalabdhata kam hone ki bhi hai. Pehle in companiyon ko bankon se sasta fund mil jaata tha. Lekin ab RBI ne is kaitigri ko praayauriti sector se baahar kar diya hai jisse kam kaust par fund jutaane ka raasta band ho gaya hai.