PMC bank, jo pichle 20 mahino se ICU me hai,
depositors ke paise atke hue hain, reports ke hisaab se, kam se kam 150 deaths
ho chuki hai is bank ke corruption charges and closure ke saamne ane ke baad,
uske baare me jo badi khabar hai, wo hain ki PMC bank ko Bharat Pe ka parent
company yaani Centrup group ko handover kiya jayega, aur isko ek Small Finance
Bank yaani SFB banaya jayega. Is khabar se depositors bahut khush nahi hain.
Lekin kye ye step sahi step hoga? Kya is step ke wajah se PMC bank ke depositors
ko apna atka hua paisa wapas mil payega? Poora post read kriye aur aapke comments
ko comment box me daaliye.
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PMC
Bank Fraud
Feb 13, 1984 me, Mumbai ke Sion me bana PMC
bank ne bahut bada fraud kiya tha apne depositors ke saath. PMC bank ka 70%
loan amount diya gaya tha HDIL company ko, jisne 2019 se default karna shuru
kiya apne repayments pe. Is defaulting ke baad RBI ke nazar me PMC bank aayi.
Kyun ki koi bhi bank, ek creditor ko ek percentage se zyada loan nahi de sakta,
ye bahut bada risk factor hota hai. Lekin in sab rules ko na mante hue, 70% ka
loan ek hi creditor ko dena ek bahut bada problem saabit hua PMC bank ke liye.
Upar se bank ke top level officers me corruption bhar bhar ke tha, tabhi bank
ke MD ne apne doosri biwi ko pune me 9 flats gift kiya jab bank ke paas
depositors ke paise dene ke liye funds nahi tha. Ofcourse PMC bank ka failuyre
ek bahut bada mistrust create kar chuka hai, mumbai aur maharashtra ke smaal
and medium business houses, jinka paisa aur jin depositors ke lifetime ki kamai
is bank me atki hui hai, unke liye ye
poora pandemic ka waqt ek nightmare se kam nahi hai.
Kya koi
Bada Bank ke saath merger hona chahiye tha?
Sabse bada sawaal PMC bank ke depositors ke
taraf se ye aa raha hai ki shayad kisi bade bank jaise Indian bank ya fir SBI
ya fir PNB jaise bank ko PMC bank ko sambhalne ka responsibility diya jaata to
accha hota. Kyun ki mistrust bada hai, losses aur bade hain, bada naam hoga tab
jaake trust wapas aayega, aur tab investors paisa lagayenge. Lekin RBI ne aisa
na karte hue Bharat Pe ka parent company yani Centrum group ko is bank ko
chalane bola hai.
Kaise
hoga ye?
Centrum group pehle ek SFB board banayegi,
usko RBI approval milega, fir PMC bank ke saath amalgamation hoga, yaani is SFB
ke entity ke saath PMC bank ka merger hoga, uske baad investors paisa daalenge,
tab jaake depositors ko apna paisa mil payega. Ye poora mamla 4-6 mahine ka
hai, kam se kam.
Kyun
SFB?
PMC bank pehle bhi small and medium and micro
business vendors ka choice tha, SFB as an entity bhi usi segment par focus
karti hai, risk kam lene ke liye SFB ko mandata ediya gaya hai, yaani RBI ne ye
socha hai ki PMC brand pe koi trust nahi hai, isliye dheere dheere kam risk
leke aage badhna better hoga, dono brand ke liye. Centrum group pehli baar
banking me aarahi hai, isliye wo bhi double savdhan rahegi ki koi galti na ho,
aur depositors ke paise bhi safe rahenge.
Ab dekhna ye hain ki 4-6 mahino me PMC bank ke
depositors ko unka paisa wapas milta hain ya nahin.
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