FM Sitharaman aur Raghav Chadha ke beech mazedaar nok-jhok!
Parliament mein kaafi kuchh interesting hua jab Union Finance Minister Nirmala Sitharaman ne Aam Aadmi Party (AAP) ke Rajya Sabha MP Raghav Chadha ki baaton ka jawaab diya, woh bhi thode mazak mein. Raghav Chadha ne banks ke हालात par sawal uthaye the.
Sitharaman ne Chadha ke “western exposure” par kiya comment
FM Sitharaman ne hanste hue kaha ki Raghav Chadha ka “western world” ka anubhav desh ke logon ke liye helpful ho sakta hai. Unhone kaha, “Main toh hairan reh gayi, agar Raghav Chadha bura na mane toh, unhone banks mein pankhon ki ginti, banks ki haalat, aur kitne whitewash hue hain, yeh sab notice kiya. Main sach mein bahut khush hun. Kuchh MPs hote hain jo internationally kaafi busy rehte hain, lekin Raghav Chadha ne time nikala aur rural banks ka daur-e-survey kiya.” Unhone aage kaha, “Raghav Chadha, aise hi aur surveys karo. Yeh desh ke logon ke liye helpful hoga, kyunki aapka western world ka exposure kaafi kaam aa sakta hai.”
Chadha ne banks ke muddon par uthaye the sawal
Isse pehle, Raghav Chadha ne Banking Laws (Amendment) Bill, 2024 par charcha ke दौरान desh ke banking system ke gambhir sankat par चिंता jatayi thi. Unhone kendra sarkar ke iraadon par sawal uthate hue kaha ki yeh bill public expectations par khare nahin utarta. Unhone is bill ko sirf procedural reforms tak seemit bataya, jo nagrikon ke roz ke muddon ko address nahin karta.
Chadha ne banks ko democracy ka aadhar bataya
Chadha ne kaha ki banks sirf financial institutions nahin hain, balki democracy ki neev hain. “Aam aadmi ki savings se lekar kisanon ke loans tak, students ki education se lekar senior citizens ki pension tak, banking system har nagrik ke jeevan mein gehri tarah se juda hai. Lekin badhti banking frauds, loan recovery issues, aur employees par dabav ki wajah se banks mein public trust kam ho raha hai. Aaj log banks mein apna paisa rakhne se darte hain.”
Loan interest rates aur senior citizens ki chinta
Raghav Chadha ne home loan aur education loan rates ki high rates par bhi baat ki. Unhone kaha ki home loan rates 8.5% – 9% aur education loan rates 8.5% – 13% tak pahunch gaye hain, jiske chalte ghar kharidna aur education haasil karna mushkil ho raha hai. Unhone sarkar se in par maximum limit lagane ki appeal ki.
Senior citizens ke liye, Chadha ne savings aur FDs par kam interest rates ki chinta jatayi. Unhone kaha ki FD rates 6.5% hain jabki inflation 7% hai, matlab savings ki value kam ho rahi hai. Unhone senior citizens aur small depositors ko minimum 8% interest rate dene ki salah di.
Digital banking threats aur KYC frauds
Digital banking mein badhte frauds par bhi Chadha ne baat ki. Unhone bataya ki FY 2024 mein 36,075 banking fraud cases report hue, jinmein digital payments aur loan fraud sabse zyada hain. Cyber fraud se Rs 2,054.6 crore ka nuksan hua, aur UPI fraud 85% badh gaya. KYC updates ke naam par hone wale frauds par bhi unhone sawal uthaye.
Rural India ke challenges
Chadha ne rural India ke banking challenges par bhi baat ki, jaise bank branches ka band hona aur digital banking ki kami. Unhone credit card ke badhte istemal aur middle class par iske asar ki bhi chinta jatayi.
Kul milakar, Raghav Chadha ne banking system ke kai gambhir muddon par roshni dali aur sarkar se in par dhyan dene ki appeal ki.
