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विदिओ च सर्व मातेरीअल लिंक खाली दिलेले आहेत खाली गेल्यावर ३० सेकंद थांबा मग सर्व मातेरीअल लिंक येतील

 

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In the country, the news of many banks being bankrupt or going into trouble has often come to the fore. In such a situation, the biggest loss has to be borne by the customers, whose lifetime deposits remain deposited in these banks. The system has the biggest responsibility of saving the banks from the financial crisis, but at the same time the depositors should also be alert to face such a situation. It means what should be done in such circumstances to avoid loss.

Although deposits in banks are generally considered safe, but due to the weak financial condition, many banks froze depositors’ money. In this case private sector and co-operative banks were considered most vulnerable. That’s why security of money matters more than the interest rates available on savings schemes in the bank and for this customers need to have a better understanding.

Money of RBI people drowned in PMC scam!

 

Leave aside the common man, the alleged scam in the Punjab and Maharashtra Cooperative Bank (PMC) has not spared even the people of the Reserve Bank of India. The Reserve Bank Officers’ Cooperative Credit Society Limited, with about 3,500 members, had fixed deposits of ₹105 crore with the PMC. In addition, the Reserve Bank Staff and Officers Co-operative Credit Society Limited, having about 8,300 members, had ₹86.50-crore in fixed deposits.

 

   BEAT MARK

35 banks drowned in 15 months, lakhs of customers were in trouble, if your money also drowns then get it back like this

5 lakh guarantee on the amount deposited in the bank

 

However, the “Banking System” has improved in terms of providing security to the depositors. Under the Deposit Insurance and Credit Guarantee Act, the insurance coverage has been increased from Rs 1 lakh earlier to Rs 5 lakh. Earlier, depositors had to wait till the liquidation of the bank for payment of compensation, which could take years in a court of law.

 

According to the Financial Stability Report released by the Reserve Bank of India on December 29, 2022, “The number of registered insured banks as on September 30, 2022 was 2,034, which included 141 commercial banks and 1,893 co-operative banks. With the current deposit insurance limit of ₹5 lakh, there were 267.1 crore fully protected deposit accounts (98.0 per cent of the total) at the end of September 2022.

read this also- Which bank gives the highest interest in the country? Whether get FD or open a savings account, interest is high on every scheme

Therefore, the protection of bank deposits should not be seen only as insurance coverage. Peace of mind is a must whenever you are choosing the simplest and most basic investment options and public sector banks are safe in this matter.

   SHAKE EFFECT

What does the government do when there is a banking scam

 

If something goes wrong in the case of banks, the government steps in and finds a solution. When IDBI Bank was grappling with huge non-performing assets (NPAs), LIC came forward to help it but the move was debated as arguably LIC’s money belonged to the policyholders. However, depositors’ money was safe.

 

After the PSU banks, come the major private sector banks. When Yes Bank was facing high NPA, major banks of our country were asked to take stake and provide capital and leadership to tide over the crisis

When a large-scale banking crisis occurs, which can endanger the entire financial system, the government steps in to rescue the entire system. According to the Financial Stability Report released by RBI on December 29, 2022, the gross NPA of Scheduled Commercial Banks (Lead Banks) at 5 percent

 

And the net NPA is only 1.3 percent. Gross NPAs of urban co-operative banks (UCBs) at 12.7 per cent, with gross non-performing assets (GNPAs) of non-scheduled UCBs at 15.8 per cent

 

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