Ye MSME aur NBFC ko mila ke ek tagda scam chal rha hai. Govt isme participant hai ya nahi, I dont know lekin NBFC dikhta chunna laga rhi hai sarkar ko aur koi kuch bolna toh dur, aaj tai ne unke 10% losses aur kharid liye hai with measure to provide them more liquidity for MSME

Main Dhruv Rathee jitna expert toh hoon nahi lekin sidhi saral bhasa me btata hu ki ho kya rha hai. Toh suno :
(1) Ek chhoti si dukan wala aadmi jata hai bank me business ke liye loan lene. Bank bolta hai Collateral la, dukan wala bechara khud kiraye ki dukan aur makan me baitha

..dukan wale ke pass jyada se jyada hoga toh ek ganv me makan.

(2) bank wale sunte nahi hai lekin NBFC walon ne bank ki diwaron me bhi kaan laga rakhe hai. Wo aa jaate hai bakra halal karne. Loan chahiye? Mil jayega. Aao kabhi haveli pe

(3) NBFC wale ab apna dhandha shuru karte hai. Aji 2 din me loan mil jayega. Kuch nahi karna hai, jameen aur makan ke paper le aao, 2 saal ki ITR le aao aur ek "Udhyog Aadhar" banwa lao, aapka loan ho jayega. Interest 13-14% ke lagbhag rahega ji,bank wale bhi 10-11 le lete hai na

(4) Wo bechara aadmi ye sab CA se banwa ke leke jata hai, jaate hi uss par processing charges, stamp duty aur pta nahi kya kya bolke loan ka 3-4% amount wahin khade khade deduct kar lete hai loan ki amount se. Hath me aaya 97% on approx 15% interest. Effectively 18% p.a. interest

(5) Abhi aayega asli maza. Upar ek cheez mangi thi "Udhyog Aadhar" karke. Wo certificate hai ki jisko loan diya hai wo MSME hai. Waise kaam kya tha dukan wale ka? Trading ka. Udhyog aadhar kiska banta hai? Manufacturing or Service Unit ka. Trading ka nahi banta

(6) Fir NBFC ne ye manga kyun? Ajji yahi toh game hai. Loan pe interest rate aur processing fees etc lagaye mortgage loan wale aur ye certificate lagake govt ko bola ki humne toh MSME ko business loan diya hai, hume interest subsidy de do. Humne mandatory MSME fundings kar di hai

(7) Lavda MSME funding bc. 18% ka interest le rahe ho, trading concern ko loan diya hai, ek udhyog aadhar lagaya aur govt se interest subsidy le li, unke target pure kar diye, itna khush kar diya ki ab wo tumhara loss bhi kharidne ko raaji hai. Waah bc waah!!

(8) Aankhon se khoon nikal jata hai inka loan repayment karte karte. Aur tai hamari inko khairaat baant rahi hai. Mere jaise ek very small time practitioner ko inki Modus operandi pta hai toh kya ye ho skta hai ki Finance Ministry ko nahi pta hogi ye baat?? Ajji ghanta

(9) Ye sab milke chutiya bana rahe hai madarxhod ke bachhe. NBFCs ant shant loan baant rahi hai rural areas me. NPA honge aur abhi subsidy kha rahe hai, kal loss ka paisa hamare tax se khayenge aur parson band hone wali hogi toh yahi govt hamare hi paise se inko bachayegi

End of my thread or rant or whatever it was.