PMC Bank Punjab Maharashtra Cooperative Bank haal hi main iss Bank main kuch crisis aaye hai. RBI ne kuch restriction lagaaye hai bank per, toh kya restriction RBI ne iss bank per lagaaya hai yeh jaanegey aur poora matter kya hai yah aaj hum acche se samjhengey.

What is PMC Bank Crisis in Hindi


The Economic Times ne 24 Sept ko PMC bank ke crisis per ek article likha tha us article ka headline tha "RBI bars PMC Bank from doing business for 6 months" matlab 6 mahino ke RBI ne kaafi saari cheezo per PMC Bank per restriction laga diye hai.

Aur dusri ek news website per yeh headline dekhno ko mili "RBI places Rs 1,000 cap on withdrawals by PMC Bank customers for 6 months"

Matlab PMC bank ke jitne bhi customer hai woh 6 mahino tak sirf 1000 rs withdrawals kar saktey hai. Yaha per main aapko ek baat abata du Cooperative banks ke customers zyaada tar farmers aur chotey businessman hotey hai woh inn banko main deposit zyaada kartey hai.

Toh sab se pehley hum saamaj letey hai ki Commercial aur Cooperative bank main difference kya hai.

Commercial Bank:

Commercial bank kaunse hotey hai jaise, ICICI, HDFC, SBI yeh sab commercial bank hai aur commercial bank service provide kartey hai bade businesses ko aur jo individuals hotey hai unhe service provide kartey hai.

Commercial Bank registered hotey hai under Banking Regulation Act, 1949

Commercial Bank kaafi badey hotey hai inke branches bahut zyaada hotey hai.

Comemrcial Bank loans deta hai individual aur bade businesses ko.

Cooperative Bank:

Cooperative Bank farmer aur agriculturists ko service proivde kartey hai aur jo rural areas main industries hoti hai unko service provide kartey hai.

Cooperative Bank registered hotey hai under Cooperative societies Act, 1965

Inke branches kam hotey hai compare to Commercial Bank.

Yeh zyaada tar loans farmers aur chotey businessmen ko detey hai.

Yaha per ek aur important difference yeh hai ki Cooperative banks jo hotey hai woh zyaada interest rate detey hai deposite per compare to Commercial bank, toh rural areas ke zyaada tar log prefer kartey hai Cooperative banks ko.

Aur jaise maine pehley kaha ki cooperative banks registered hotey hai under Cooperative Society Act, 1965 but inko regulate kiya jaata hai RBI aur NABARD dwaara.

Ab yaha per kuch logo ko ek question zaroor aayga ki Cooperative bank ko regulate RBI kyoun karta hai? Darasal 1966 ko kuch amendments laaye gaye Banking Regulation Act, 1949 main ki jo bhi Cooperative banks ke jitne bhi regulations hai woh RBI dwaara regulate kiye jaayengey.

PMC Bank Background:

PMC Bank India ki Top 10 Cooperative bank main se ek hai toh aap samaj saktey hai ki is crisis ke baad kitne saare logo per impact hua hoga.

PMC bank ki 137 branches hai jo 6 states main hai Maharashtra, Delhi, Karnataka, Goa, Gujarat, Andhra Pradesh aur Madhya Pradesh.

What is Section 35A:

PMC ke branches ke shuttle per aapko yeh notice dikh jaayga "Driection under Section 35A of the Banking Regulation Act, 1949" iska matlab yeh ki Iss bank per restriction laga diye gaye under Section 35A.

What is PMC Bank Crisis in Hindi


Ab yeh Section 35A hai kya? Section 35 A yeh power deta hai RBI ko woh directly actions le sakta hai bank per, if agar koi bank galat kaam kar raha hai i mean RBI ke accordingly kaam nahi kar raha toh woh bank per action le sakta hai. Aur iss section ke dwaara RBI bank per kuch restriction bhi laga sakta hai.

What is PMC Bank Case?

Dekhieyh abhi bhi inspection chal raha hai aur RBI ne koi specific reason nahi diya ki inhone PMC Bank per kyoun restriction lagaaye hai. Lekin aisa kaha jaa raha hai ki RBI ne kuch irregularities paayi hai lending main. Matlab deposit leke jo bank lend karti hai us main RBI ko kuch problem dikha hai.

Aur jo NPA (Non-performing assets) hai iska count is bank dwaara sahi nahi diya gaya tha. Dosto NPA woh hota hai jaha agar customer apna loan ka interest chuka nahi pata toh bank uss loan ko NPA declare kar deta hai. Lekin is per abhi inspection chal raha hai RBI ke dwaara.

What are the Restriction on Customer?


  • Customer ka koi bhi account ho iss bank main ho, woh 1,000 rs se zyaada withdraw nahi kar saktey.


  • Dusra term deposit hota hai agar woh mature ho jata hai toh usko withdraw nahi kiya jaa sakta.


What are the Restriction on Bank?


  • 6 mahino tak Bank kisi ko loan nahi de sakta aur koi naya deposit bhi bank nahi le sakta.


  • ATM ko off kar diya gaya hai taaki koi bhi ATM se withdraw na kar paaye.


  • Online banking ko bhi bandh kar diya gaya hai.


Ab PMC bank ne jo last figure diye they RBI ko woh kya kehta hai chaliyeh dekhtey hai.


  • PMC Bank ke last report main batayaa gaya hai ki 2018-19 main unko net profit hua rs 99.69 crore.


  • Jo bank ne deposit liya hai woh hai rs 11,617 crore aur jo loans diye hai woh rs 8,383 crore.


  • NPA ka ration 3.76% hai.


Ab iss report ke mutaabiq PMC bank ka ratio bahut accha hai NPA bhi dekhey toh dusre banko se accha hai. Lekin yaha abhi is baat ki surety nahi hai ki yeh report jo PMC bank ne RBI ko de rahi thi woh sahi thi ya nahi.

What is the future of PMC Bank.

Dekhiyeh 6 mahine baad RBI call le sakti hai ki jo restriction lagaayi hai us main kuch ko hata di jaaye ya phir usse aur extend kar diya jaaye.

Lekin RBI ko agar lagta hai ki inn sab problems ko correct kar diya ja sakta hai toh Bank jaise pehley tha waise hi ho sakta hai kisi bhi tahra ki koi restriction nahi hogi.

Kya PMC Bank humesha ke liye bandh ho sakti hai?

Dekhiyeh iske chances bahut kam lag rahe hai kyoun ki jaise maine kaha PMC Bank india ke Top 10 cooperative bank main se aata hai, kaafi log is bank ke customers hai farmer ki is bank main bahut saari deposit hai.

Lekin phir bhi agar yeh bank bandh ho gaya toh aapne iska naam toh zaroor suna hi hoga Deposite Insurance and Credit Guarantee Corporation (DICGC) yeh laagu ho jaayga. Lekin yaha per aapko ek yeh baat jaana zaroori hai ki aapka deposite is Insurance scheme dwaara kiya gaya hona chaiyeh. Matlab PMC banke ke jis bhi customer ne iss particular scheme dwara bank main paise deposite karwaaye hai toh aapko aapke paise waapas milengey is insurance dwaara.

Ek aur baat aapko is Insurance ki bata du ki is Insurance dwaara aapko upto Rs 1 Lakh hi mil saktey hai, matlab agar kisi ne rs 5 lakk dposite karwaaye they toh usse 1 lakh rs hi milengey.

Toh yeh tha mera poora analysis PMC Bank per, accha laga ho toh share zaroor kar dijyega.