MFI stress now evident: RBI's small-loan fears turning real | Know in detail

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[@xaviertoppo8968]

Hone do Reality sector mein bhi bohot bada bubble hai....

[@DemoTetConeptofzero]

36%

[@Govind-tc1lw]

Save your time 1:19

[@PUREprayagi]

Thenk you in jethalal style 😂

[@rajhindustani5447]

1:25 actually

[@Govind-tc1lw]

@@rajhindustani5447 thanks 🙏👍

[@rajratnesh777]

Thanks 🙏🏻

[@r.m.2745]

Exactly hua kya he

[@MrSatadal]

in my village people takes bandhan microfinance loan to do picnic 😂

[@Mahabharat62]

Same bro😂😂 i thought it happeing only my village but it's not😂😂

[@rahulzawar2219]

Actually most of the loans are will full defaulter

[@lone_warrior665]

What😮

[@truthislogical]

Hindus have money for every worthless activities

[@smartinsurancandinvestment6815]

That's very interesting comment....

[@aashishkalyan3965]

paise bahut hai logon k pass. waps krne ki niyat nahi hai

[@truthislogical]

Inspired by vijay malya mehul choksi

[@Ojhakigarjana-ry7fq]

To tu krde 😂

[@Alochak_Kumar]

​@@truthislogical They should take inspiration from Ramdev. He took Rs. 5,000 crore of loan and now he returned it with interest.

[@sagar5251]

As per national accounts statistics Household savings at five decade low, to pata nahi bhai tune kin logo ke ghar me jhak ke dekha ha.

[@Alochak_Kumar]

@@sagar5251 Because as people get more aware they tend to invest the money rather than saving it.

[@Proloysaha36]

RBI and Bharat Sarker must start purchase as many golds to increase gold reserve of Bharat to 2000 ton and more.

[@sharma2873]

Y

[@RikyDcruz]

03:14 NPA TYPES->
*SUBstandard assests(>3month to 12month)
*Loss assets(not giving any amount of it)....
Microfinance-> collateral free loan to househol with

[@Manshi4813]

Summary 👌👌

[@RikyDcruz]

@Manshi4813 🎯✌️

[@business_aspirant]

सबसे बड़ी बात तो ये है सर कि हमें फाइनेंश मैनेजमेंट से रिलेटेड टॉपिक कभी पढ़ाया ही नहीं जाता और जब हम 20-22 वर्ष के होते है तो दिखावे, मॉडर्न ट्रेंड के फैशन को फॉलो करने के लिए आसानी से लोन ले लेते है बिना ये सोचे कि हम इसकी भारपाई कैसे करेंगे, और आखिर में डिफॉल्ट कर जाते है।

[@ManishKumar-sg1hg]

Bilkul sahi bhai 👍

[@rishabhmishra8810]

👍👍

[@rajratnesh777]

Kuch cheeze basics hoti h bhai. Har chiz ka blame doosro per ya sarkar par dalne ka kya sense hai. Sab ko itni akal honi chahiye ki 10 ki kamai ho toh 50 spend na kare.

[@business_aspirant]

@@rajratnesh777 भाई ये भारत है यहां लोग हेलमेट चालान से बचने के लिए लगाते है अपनी सेफ्टी के लिए नहीं तो फाइनेंस में लोगो के मोबाईल में दिन भर sms भेजकर बिना किसी गारंटी के लोन का ऑफर आएगा तो लगभग 80 परसेंट ट्रैप तो होंगे ही?

[@deependrayadav8436]

Good 👍

[@visunashokkumar1782]

These loans ar3 globally called ninja loans n they were the primary reason for the GFC 2008

[@manishkongari7139]

Surprisingly every bank is currently focusing on clean loans though the NPA rate is higher. Banks should focus giving better customer service instead just putting pressure their employees to sanction loans without collateral

[@rahulzawar2219]

Most of them are will full defaulter

[@rohitvyas5865]

True

[@FalconInfotech]

True 😂

[@praveen2500]

Indians & ethics don’t go together these days.

[@Y2CC]

Why just focus on microfin banks .. government also do loan wavering for loan. Hardly few farmers actually not able to payback loans and most just take loan and wait for election time and sell their votes in exchange of loan waver..

[@mahendrakr308]

Its true. I live in a village. It's very common here. Everyone takes farm loans and waits for the government to waive it off.

[@shaitansingh9698]

MFI hamesha ek high risk loan😢 kyunki gareeb wohi log hota he jo paisa ka use karna nahi aata he ya ye log ka pre plan nahi hota he.
Isiliye loan hamesha risk rehga😢😢
Ese MFI dene wale company ko govt ka kuch support rehna chahiye, iske karan company loss me nahi jayega aur gareeb uneducated public ko v faida hoga🙏🏻♥️

[@paintremedies4216]

GST without turnover protection destroyed small scale business in india but government busy elsewhere

[@mombojumbo8496]

bajaj finance: aur do снаргi logo ko iphone loan 😂

[@baktitsonnas6717]

😂😂😂

[@Vaibhavd416]

Ex RBI Governor Raghuram Rajan already talked about this in Past.

[@tsewangstobdan10]

The shape of our economy is not good and we know it. What’s the use of growing at 7 % GDP.

[@lucifermorningstar12345]

Ye log sab wilful defaulter hai... stringent laws aani chahiye recovery k liye..

[@abhilash8380]

All the news about the economy are getting negative day by day , most of the companies are showing decline in profits, banks showing microfinance is not working, inflation is getting above 6%, unemployment is also increased, these symptoms are not good.
Foreign investment is also not upto the mark, these are showing slowdown in economy. Governments need to focus on employment generation , instead of giving freebies. This is high time for freebies.

[@DermDocAjay]

Rbi is responsible..they should have kept close contact on these chapri banks giving loans to anyone

[@tejaswagh6759]

यहीं तो विधी का विधान है पार्थ... 🔥❤

[@AbhishekPatel-un5ms]

Sir mere village me bahut log private sector se loan lekar phas gaye hai wo bank wala unse 36 % interest rate par year leta hai wo log de nahi paye aur unko apna ghar chhod kar bhagna pada hai

[@binosina5059]

RBI is itself culprit of this situation. Recently, RBI imputed micro finance, NBFC that they are levying excess interest rates. 😅

[@samirkumar138]

Bajaj Finance 36% annual interes rate.

[@alokprasannabara9214]

Navi loan interest rate 35% p.a
Kreditbee loan apps loan interest rate 36% p.a
High interest rate hai 2 apps me

[@Listenup831]

Mpockket 48% pa 😮

[@baktitsonnas6717]

Moneyview ksisa he

[@parulkumar8606]

Unsecured loans and small finance loans are always expensive.

[@indiaeducation5152]

Ring 45% ​@@Listenup831

[@JATOnline9]

बैंक इतना पैसा लोगों को बांट रहे हैं,
इतना पैसा ला कहां से रहे हैं बैंक ,
समाज के सभी लोग लोन के जाल मैं फसे हुए हैं
समाज की शांति इस पैसे ने ही खराब की हैं

[@birlajitendra7306]

Logo ke pas paisa hota hai par vo dete nahi 😂

[@JATOnline9]

@birlajitendra7306 भाई देते तो हैं लोग, पर आज के टाईम 80% लोग ऐसे हैं जो पैसे ले तो लेते हैं पर वापस देने की नहीं करते इसलिए समाज मैं व्यवहार खराब हो रखा हैं, कोई एक दूसरे को पैसा देना नहीं चाहता

[@djayvarma3508]

They give easily loan to poor people but the interest rate 20-30% per annum. The rural people didn't know about interest rate against their taking loan.

[@anildehariya5678]

UA-cam पर ही कई चैनल ऐसे है जो लोगों को पर्सनल लोन ना चुकाने के लिए प्रोत्साहित करते है
जो लोग जान बुझ कर लोन वापस नहीं कर रहे हैं उनके खिलाफ कड़ी कार्यवाही होनी चाहिए

[@bhanunagpure231]

10:16 A) Government of India.

[@abinashbaral4794]

Ans- Govt. Of India

[@joymi3669]

Paise return na de pane ka karn inflation bhi hai... I saw people around my village unable to buy vegetables, bahut jyada paisa ja rha hai groceries kharidne mai.

[@AlenaTuk]

Ans A ❤
❤❤❤

[@gopinathkaki5982]

Reason: people are taking small lones to pay credit cards
After few months they are over spending and taking more lone or unable to pay existing

[@Lionforge2]

Idfc first literally charge me 23% per annum but i clear their loan...never take any loan in future from them...my cibil now above 750 ao hope i get low interest loan from others bank how can people give so much interest.

[@Mishraji2050]

Nai milega bhai km rate pe... Ye sale sirf leke bhagne walo ko hi denge

[@Lionforge2]

@Mishraji2050 literally I feeling sad when I check my statment.i declared them my income all no bounce nothing still they charge like hail..no value of truth or loyalty for them

[@abhilash8380]

If loan defaults increase it may cause chain effect in many sectors😢.

[@vineshgajjar3632]

RBI , की 100% गलती हे लोन चार्ज 15% से 20% , भगवान बचाए इन बैंकों से

[@abhilashsingh8759]

A: Government of India

[@rahuldhakad04]

Ans
A) government of India

[@MMudulivlogs]

I took loan from multiple banks and credit card for option trading and I lost all the money thank God I gave the wrong address and I am waiting for complete 14 months so I can settlement in low%.

[@jonsnow9570]

1:21

[@Real_Kim_Jong_Un_]

Thankyou

[@NadeemRiaz.27]

Thank you

[@daakudaddy5453]

11.6% doubtful loans by number of loans given or money amount of loans given?

[@AnilKumar-v3s6q]

Hamne finance me kam kiya hai ye rbi ka khud ka kamjori hai har cheez customer ke fervor me kar diya

[@anshul9462]

What about CGTMSE and CGFMU coverage of these loans

[@sanjeevsharma1413]

Galat tarika se Bahot zyada interest charge karega to aisa hi hoga. Public ko loan ki zaroorat hai aur bank ko bhi lending business ki zaroorat hai . Agar sahi tarika se low interest pe loan milta hai to zyada tar log usko repay kar pata hai. Microfinance me itna chota amount high interest aur chote tenure me milta hai , usse kuch kaam to hota nahi khali pili karz chad jata hai sarpe.

[@VikrantMishra_Ssv]

apni videos ko thoda concise or to the point rkhe...although nhi bhi rkhoge to bhi i will follow you

[@NazirAhmad-gd2sr]

It is due to change in policy sir..... Check the detail

[@nabajitrabha6734]

Jo log paisa leke business ya phir koi income generating activities nahi laga k scooty bike tv refrigerator kharid te wahi default karte hai. Most of them are willful defaulters

[@navjyotilahon8746]

Mera Bajaj Finance ne 43% liya tha

[@namangugaliya4207]

Sir please make a video on air pollution.
Sir please make a video on air pollution.

[@rohitkumar-yg9vu]

Bihar me bahut saree microfinance company village me ladies ko loan de rhe h

[@tinkusinghrajput8531]

छोटे लोन धारकों के साथ साथ बड़े कॉर्पोरेट के लोन धारको पर भी कार्यवाही होनी चाहिए🙏

[@Lauvbhangu]

Aise hi tension mat lo
Natao ke bachhe foreign citizenship le rahe hai aap bhi le lo
Fm jaishankar ka beta American citizen hai aur dusro ka bhi aise hi chal raha hai.

[@Alochak_Kumar]

America ka 2008 yaad hai?

[@samirkumar138]

His son never been in India since childhood.

[@janesh147]

In a way RBI themselves are responsible for this. What was the need to remove cap of interest rate on loan. Why play with such things

[@kamalkumar7978]

They reduced the entry barrier to promote consumption. I think banks used to give loans to very few people with lower interest rate. With higher interest rate they started charging higher interests. Getting loan became easier. However, who people used to get rejected in previous restrictions due to their inability to return loans got loans this time and they spent it. Obviously, they weren't going to return loans.
Now, it seems that they delibrately reduced restrictions as it was clear that people were putting these loans into stock market and gambling apps which resulted in a inflated market. It seems that the FII knew about the small finance NPAs so they were just waiting for the right time to exit.
Stock market may down more as RBI is going to put restrictions on theae loans.

[@MKC..]

Loan interest rate should be less than 7% per Annum

[@subhamdas393]

SF Banks take deposits at range of 8.5%-9.5%, how come they can offer loan at rate below 7%

[@PriyansuBhagabati]

Itna Kam interest rate hone par inflation spike kar jayega

[@soulnemo2952]

16% derahege bhai​@@subhamdas393

[@rajratnesh777]

Uske baad aapko apne deposit pe 3-4% ka interest milega chalega na ?

[@keshavkumar1981]

Then deposit interest rate will be about 5% to 5.5%..

[@jiteshsingh5022]

Simple sa h income km hogi to npa bdh jaega

[@sanjeevbhatia1582]

Unorganised sector ko barbad karke organised sector ka laalach poora nahi hoga

[@Durgesh-Singh-Chouhan]

Inflation is reason behind default pf loans

[@asmitakokare6420]

A) Goverment of india

[@acute31]

Yahi cheez pehle bol rahe the bahut saare Journalist to unko Anti-national bola jaa raha tha.

[@sanjupal9382]

RBI needs to cut rate immediately

[@user-sh9hf2qx4r]

All micro finance companies are charge too much interest in villagers....

[@niyajee]

Sabka paisa wapas aa jayega. Iss diwali ke liye loan liya tha logo ne. Aur diwali pe biz kamzor raha hai so log paise wapas karenge feb mar ke time.

[@uttpalsingh7557]

ye tax chori ka naya tarika hai apne bande ko loan pakda ke default kerke piche ke hath se paisa lelo , nhi too koi finance kerne wala banda thoda risk leta hai jada nhi yehi mujhe doubt hai🤔

[@amittrends6643]

Good work sir..

[@mohammedshahrukhkhan8524]

Why Modi's picture not there in the thumbnail??

[@decentjetha8279]

satyam capital ka toh acha chal rha h

[@Waqar_Davil]

GOVT OF INDIA 🥰❤

[@jags00007]

Lacs of crores are been washed for businessmen ..
Why not for normal people

[@yogeshpandey901]

Loan dene ka hi bahut pressure hai bank me

[@jaya9874]

In me Mera indusind or bandhan dono m loan h or m 2 month se pay nhi karraha hu

[@LEVIACKERMAN-im9xz]

*VILLAGE ME GAWAR ADMI VARE PARE HAI*

[@AB80008]

In sab loans se logon ko udhar losm lene ka bas adat daal diya hai..isse kisi ka bhala nh hua. Isse band kar dena chahiye.

[@zahidsheikh8107]

People are not aware how to use their loan

[@PKS0006]

बैंक खुद ही बोल रहा है कि आओ मुझे डूबा दो l हम लोगों की मेहनत की कमाई को बैंक मैनेजर बेदर्दी से उड़ा रहे हैं l

[@Afnan_Taher]

A question to Indians. Does these microfinance institutes give out loans to both men and women?
When Prof. Yunus invented microfinance, he deduced that men will default on loans so he decided to give loans to only women. And in Bangladesh, only women get microfinance loans, not men.
Is it the same in India or, does both men and women get loans?

[@D7XTE7]

Both

[@hashisharma708]

Verygood

[@HRITWIKBHOI]

B) RBI

[@omprakashmandal7963]

They charge very high interest on loans

[@b.l.0427]

Interest rate is so high and way no one talking about price hike of cooking oil Onion potato ata etc

[@prasoon.k18]

Jo log loan repay nai karsalte unka khana band karna chahiye...

[@desithugbaba9136]

bajaj is no 1 notorious bank..

[@RIKISARKAR-bk6ui]

Sir what about MA English?

[@distortion3586]

These NBFC's should be banned because they are just giving the loan to complete their targets, no proper check up and collateral securities.

[@AmitKumar-eu5th]

Option A Government of India

[@SoumyaranjanPandey-do8ke]

Prashant dhawan now George soros conspiracy 😂😂😂😂😂😂

[@Surajitmegabluster]

The gave loan on very high interest

[@veevanbhoria924]

Students tak ko loan beech m farmesrs ka name

[@landlord3794]

1600 crore rupees wave off kar diya gaya ...usss se to Kam hi default honge.

[@mahendrakr308]

Rules need to be changed. Personal properties can also be attached in case of loan defaults.

[@adityavashistha1212]

Government of India This the answer

[@hi-techhimanshu1039]

Mene 48percent per loan lia hai

[@amitkamboj4783]

For iphone or foreign trip

[@Chiga-lt6vq]

Kiske kia loan lia tha?

[@mogleesh-22]

Meine 72% pe loan liya hai. 🥺

[@chandrapratapsingh7973]

All the best bharat

[@guddubhaiya9217]

Right answer is goverment of india

[@PKS0006]

मैने देखा है बैंक मैनेजर की कोई अकाउंटेबिलिटी नहीं है जब नोटबंदी हुई थी तब भी बैंक मैनेजर ने मोदी जी का साथ नहीं दिया और Bank Managers had made lot😂 of Money and Gold.

[@sahebsaha5873]

20-22% interest rate hoga to koi paisa wapas nhi karega

[@Robin78893]

Post graduation nahi undergraduation mujhe sath hi karna hai

[@tanupriya1141]

OptionA

[@ROBIN-NINJA-VICKRANT]

Aur yahan hamein ek bhi paise loan nhi mil rha h

[@thearchitech6164]

A. Government of India

[@Abcagra]

Auto and home loan defaults also coming

[@dilipsahu6050]

Chote logo v ab paisa kamana sikh rahe hai aur wo paise chukana nahi chahte

[@Nashk4585]

Corporates loan le to same condition h?

[@sheetalbondwal9453]

A