UPI Transactions Par Naya Update!
Finance Ministry ne ek bada announcement kiya hai. Government abhi UPI (Unified Payments Interface) transactions par merchant discount rate (MDR) wapas lane ka koi plan nahi kar rahi hai. Iska matlab hai ki UPI India mein digital payments ko badhawa dene ke liye low-cost aur accessible bana rahega. Chaliye, is news ko aur detail mein dekhte hain!
Khabar Kya Hai?
Actually, NDTV Profit ne report kiya tha ki government bade value wale UPI payments, jaise ki Rs 3,000 se zyada ke transactions par zero-MDR regime review kar rahi hai. Unhone ye bhi kaha ki high-ticket UPI transactions par MDR allow karne ka ek proposal under discussion hai, taki banks aur service providers ke liye ecosystem financially viable ho sake. But, Finance Ministry ne abhi yeh saaf kar diya hai ki aisa kuch nahi hone wala.
Kyon Hua Yeh Sab?
Ek senior official ne bataya tha ki Prime Minister’s Office, Department of Economic Affairs, aur Department of Financial Services ne pichle hafte ek meeting ki thi. Is meeting mein ek possible policy change par discussion hua tha. Sources ne NDTV Profit ko ye bhi bataya ki government chote-value transactions ko MDR se exempt rakhne ka plan bana rahi hai.
Industry Walon Ka Kya Kehna Hai?
Industry stakeholders ka kehna hai ki high-value UPI payments par ek nominal MDR lagane se infrastructure aur operational costs ko offset karne mein help mil sakti hai. UPI lagbhag 80% retail digital transactions ke liye responsible hai, aur person-to-merchant payments 2020 se Rs 60 lakh crore se zyada ho gaye hain.
Payments Council of India Ki Ray
Payments Council of India ne bade merchants ke liye 0.3% MDR ka prastav rakha hai, jo ki debit aur credit card transactions par lagne wale 0.9%–2% rate se bahut kam hai (RuPay ko chhodkar). Sources ne bataya ki RuPay credit cards ko kisi bhi proposed MDR se exempt rakha ja sakta hai.
Abhi Kya Scene Hai?
Filhaal, sabhi UPI transactions merchant charges se free hain. Digital payment accessibility aur long-term financial viability ko balance karne par discussion abhi bhi jaari hai. May mein UPI transactions ne Rs 25.14 lakh crore ka record banaya. Breaking news yeh hai ki UPI abhi bhi sabke liye accessible aur low-cost bana rahega!
