Supreme Court on Loan Moratorium - Government and RBI stand on Loan Moratorium explained #UPSC #IAS

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[civilexplorer]

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[pankajmittal]

In an interest rate of say 9%, there are 3 components:

Repo Rate of RBI 4%
Spread of Bank 3%
CRP of Bank 2%
(Customer Risk Premium)

We are requesting RBI to leave their 4% and Bank to leave CRP Premium of 2% for the period of lockdown.

Bank's expenses are covered in banks spread 3%, which we all MSME's are ready to pay.

[SHARK_]

Yes sir, it's good to go to sustain the system but interest hardness should be less 👍🙏🏼

[mvnd]

सही बात है मुझे भी लगा था कि बैंक ने इसे वेव ऑफ़ किया और किसी भी प्रकार का इन्ट्रेस्ट नही देना पड़ेगा...साथ ये लगा था कि ये EMI मुझे बाद मे देनी पडेगी....

[khappigaming]

Be neutral and decide...perfect conclusion...!!
Love the way you conclude things...and straight to the point and not much focusing on the promotion part..!!

[roshangoutam]

Hats off sir!!! The way you clear the concept and establish the relation between the issue and way out. Bow Down!!!

[pradisa]

I hope, you are one of them(teacher, mentor, guider) who teach economy as simple as a simple, non-technical subject..tusi great Sir🙏

[Abhishek.Sharma]

Good explanation Ankit Sir
Agree in principle that waiving off interest on EMI during moratorium will be unfair to banks & particularly if moratorium is extended to 2 years

[Error_]

Shi baat hai interest htana chahiye kyunki 6 months agar insaan paise dene layak ni tha to kya 6 months after uske baad koi khajana thode naa aagya

Aur ek aisa system lana chahiye ki jisko sach m jarurat hai need ho use Loan Moratorium milna chahiye

[ranupriya]

My mother has taken loan from Indus Bank and after this moratorium scheme the bank had sent messages that" are you interested in taking moratorium, reply yes or no" which she hadn't seen and the bank didn't debited interst amount yet she maintained the interst amount in her bank account till 4 months .The bank hadnt even asked on call regarding this . Now she had to pay those interest with extra interest which is not good. Banks should be responsible for this.

[SJY]

Watching it on the day when centre waived the int. On int. Very well explained. Thanks a lot sir

[dpgupta]

जब ब्याज पर ब्याज ही देना था।
फिर 20 लाख corore के राहत package का क्या मतलब

[Ngu]

It will demaged the people's

Mean now bank imposting

Interset charges
Late payment charges
Gst chage

Example

Before supreme court declared about loans only interest chaeges

[p.krishnaveni]

Thankyou... Sir providing worthy information...

[swapnilrs]

We still required moratorium till December 2020.

[rakshitgupta]

ankit sir has alag level josh of making 4 videos a u sir

[shashikanthdeshmukh]

Sir very interesting explained very nice !!Thank you!

[mikhaildaimary.]

Sir thats a very strong argument that you have given.

[saurabhpradhan]

Govt. should make sure that everybody should repay the loan according to the proportion of income they get...
Eg- if a person is earning the same amt. During pandemic they will pay as usual but the one who are earning less than what they were earning before pandemic as compaired with last year months they should get relief on their interest amt. Coz that's not the person fault that his income is low #thier is a need to cooperate.

[bhagwanrathod]

कमाई ही नहीं हो रही तो ६०.००० कहा से आएगा और कहा इन्वेस्ट करेगे।।
मेरा काम बंद हो गया खाने के भी लाले है आपका सोचना गलत है।।