Loan disbursement badh raha hai, Fintech ka kamaal!
Reports ke mutaabik, account aggregator framework ke under, April-September mein ₹46,200 crore ke loan disburse hue hain. Sahamati, jo ki India mein account aggregator ecosystem ki industry alliance hai, ka kehna hai ki yeh figure ₹74,500 crore tak pahunch sakta hai.
Digital loans ka zamana aa gaya hai!
September 2021 se ab tak, AA framework ne ₹88,700 crore ke loans disburse karne mein madad ki hai, aur yeh number ₹1.33 lakh crore tak jaane ki ummeed hai. Data ke hisaab se, April-September mein 54 lakh loans diye गए, aur ab tak total 97 lakh loans ho chuke hain.
Average loan size mein thodi kami
Average loan size ab ₹84,507 hai, jo ki September 2021 ke ₹92,086 se thoda kam hai. Iska matlab hai ki loan size mein thodi kami aayi hai.
Lending sector mein AA ka bada role
AA ecosystem lending sector mein kaafi popular ho raha hai. April-September mein, kareeb 10.52% personal loans AA ke through diye गए. MSME loans mein yeh penetration 1.14% aur motor loans mein 1.50% tak pahunch gayi hai.
RBI ka naya framework
RBI ne 2016 mein account aggregator framework introduce kiya tha, jiske through financial information ka exchange secure aur seamless hota hai. RBI ne abhi ek naya framework bhi release kiya hai, jismein self-regulatory organisations (SROs) ko recognize kiya jaega. In SROs ko not-for-profit company ke roop mein set up karna hoga, jinki minimum net worth ₹2 crore honi chahiye.
Sahamati karega madad
Agar koi dispute hota hai, toh ‘Sahamati’ usse resolve karne mein madad karega. Yeh framework financial information providers aur users ke beech mein ek bridge ka kaam karta hai. Isse loan lena aur dena dono asaan ho jata hai. Yeh latest updates business aur tech dono ke liye important hain. Isse global market mein bhi changes aane ki ummeed hai.
