Indian banks ke health ko lekar bahut saare rumors aaye hai, bahut news bhi aaye hain, magar aaj ka video ek aise news ke upar hai jo RTI ke application ka baad pata chala hai. Saurabh Pandhare ke ek Right to information act ke andar pooche gaye sawaal ke jawab mein ye pata chala hai ki March 31, 2021 tak India ke banks ko total 4,.92 Trillion ka fraud ka saamna karna pada hai.

1. Kaunse banks      ke saath fraud hua hai?
2. Kis tareeke      ka fraud hai ye
3. Isse kya      impact hoga banks ko?
4. Kya future      me aise frauds avoids kiye jaa sakte hain
5. Kya isi      wajah se sarkar PSBs ko bech rahi hai

Kiske Kitne Fraud?

● 90 banks and financial institutions reported a total of 45,613 cases of loan fraud till March 31, 2021.

● State Bank of India – the country’s largest lender – reported the highest amount of loans as fraud – Rs 78,072 crore as on March 31, 2021

● SBI is followed by Punjab National Bank (Rs 39,733 crore), Bank of India (Rs 32,224 crore), and Union Bank of India (Rs 29,572 crore).

● The top five banks’ account for 42.1% or Rs 2,06,941 crore of the total frauds classified by the banks.

● Among private sector banks, ICICI Bank led the amount involved in loan frauds (5.3%), followed by Yes Bank (4.02%) and Axis Bank (2.54%).

● These three private sector banks constituted 11.87% of the total amount involved in loan fraud

● Largest private sector lender HDFC Bank’s amount involved in the loan frauds was 0.55% of the total.

Aapko pata hoga ke RBI ne Indian Public Sector Banks ko merge karne ka decision liya hai. Is scheme ke andar, PNB aur UBI merge ho chuki hai, Allahabad Bank, Indian bank bhi merge ho chuki hai. Kya ye steps is liye liya gaya tha kyun ki ye banks akele me losses ko sambhal nahi paa rah thi?

Frauds badh kaise gaye?

● 2020 me total number of bank frauds ka cases badhke 8707 ho gaye. Ye pichle saal 6799 tha

● 2019-2020 me fraudulent transactions me 159% ka increment dekha gaya.

Yaad rakhiye ki ye fradulent trasaction unhi ko kaha jaata hai jo kuch wajah se bank ko repay nahi kar pate. Ab sawal ye hai ki banks se loan kaun kaun lete hain?

1. Individual      Borrowers
2. Private      borrowers
3. Institutionalized      loans
4. Credit Card      loans

Interesting baat ye hai ki 90% of 5 Trillion Rs ka fraud hua hai Individual borrowers ke taraf se. Kuch ke naam aapne sune hai, jaise Vijay Mallya, Nirav Modi etc. UIs tarah ke aur bhi kahi aise top borrowers hai jinke wajah se Indian Banks ko ye 5 Trillion ka Fraud face karna pada hai.

Kyun Itne badh gaye Frauds?

Koi crime tabhi badhta hai jab

1. Crime karne      wale badh gaye ho
2. Crime      reporting badh gaya ho

Indian Government ne 2018 ke february me ek directive me Banks ko ye order diya tha ki wo 50 Crore ya usse upar wale accounts me frauds ko lekar investigate kare, aur agar daal me kuch milta hai to usko CBI ko report kare. Yahi main reason hai ki banks ne pehle apna khud ka audit kiya aur uske baad fraud reporting badh gayi.

2014 -15 me total amount of bank fraud tha 3.14 trillion rs.

Jo log khud accept karte hai ki wo apna udhar liya paisa nahi chuka sakte unko wilful defaulters kehte hain. Ye number December 2020 tak 2261 tha, aur amount tha 1.72 Trillion.

Ye amount September quarter me 1.64 Trillion tha, matlab 3 mahine me 5% wilful defaulters badh gaye the.

RBI ne directive diya hai ki fraud ke anadr aane wala poora paisa bank ko 100% provision me laana padega. Matlab jitna paisa apne book me, ye saare banks, provision ke liye rakhegi aane wale quarter me, wo shayad bahut badh sakta hai. Aur ye Banks me invest karne walon ke liye bura indication ho sakta hai. Kyon ki jaise hi Quarter results me profit margin kam hoga, ya figures kharab honge, waise hi market pe uska impact dikhega. Isliye jin banks ke financials theek nahi hai, shayad unse door rehna hi filhaal accha step hoga.