RBI के Paytm Payments Bank Limited के खिलाफ की गई इस कार्रवाई के बाद पेटीएम पेमेंट्स बैंक लिमिटेड कस्टमर्स के मन में कई सवाल पैदा हो रहे हैं. 100 million KYC Verified Customers हैं. मसलन क्या क्या ये बैन पेटीएम पेमेंट्स बैंक तक सीमित है या और पेमेंट बैंक पर ये बैन लगाया गया है. क्या कोई Paytm Wallet का इस्तेमाल कर पाएगा या नहीं. आइए इन्हीं सवालों का जवाब तलाशने की कोशिश करते हैं.
#paytm #paytmbanks #paytmpayments #rbi #paytmban
~HT.99~PR.147~ED.148~
#paytm #paytmbanks #paytmpayments #rbi #paytmban
~HT.99~PR.147~ED.148~
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NewsTranscript
00:00 Banking sector regulator Reserve Bank of India has stopped a new customer by conducting a strict investigation against Paytm Payments Bank Ltd.
00:11 After the under-rights of Section 35A of Banking Regulation Act 1949, RBI has stopped this.
00:18 Paytm is accused of increasing irregularities in banking regulation, for which RBI has taken a big action.
00:25 After this action against RBI's Paytm Payments Bank Ltd, many questions are arising in the minds of Paytm Payments Bank Ltd customers.
00:34 Because there are 100 million KYC verified customers.
00:38 For example, is this ban limited only to Paytm Payments Bank?
00:41 And this ban has been imposed on Payment Bank.
00:44 Will anyone be able to use Paytm Wallet or not?
00:48 So there are many such questions that I am sure will be in the mind of every customer of Paytm.
00:54 So the answer to these questions will be told to you in this video.
00:57 Hi, this is Bhavna and you are watching GoodReturns.
00:59 So the first question is that is this ban only on Paytm Payments Bank?
01:04 So the answer is yes, RBI has imposed this ban only on Paytm Payments Bank Ltd.
01:10 The second question is that does this mean that no one can use Paytm Wallet now?
01:16 So yes, after 29th February 2024, no customer will be able to deposit money in Paytm Wallet and will not be able to do credit transactions.
01:25 Also, the top-up facility in Paytm Wallet will not be there.
01:30 Third question, tell me what will happen to the amount in the wallet?
01:34 This will be a question in the minds of many people.
01:36 So see, the straight answer to this is that the balance amount left in the customer's wallet can be used until it is finished.
01:43 No deadline has been decided yet for customers to withdraw money and use it.
01:49 Next question, what are the options for returning the amount in the wallet?
01:53 So the straight answer to this is that there is no option for returning the amount in the wallet.
01:58 You can use the amount of money left in the wallet.
02:02 After 29th February 2024, the amount will not be able to be deposited in the wallet.
02:07 Will you not be able to do Fastech payment from Paytm?
02:10 So, customers can do Fastech payment through Paytm until the balance is done.
02:15 But after 29th February 2024, no amount can be deposited in Fastech and can not be top-up.
02:23 Next question, when will Wallets, Fastechs, NCMC cards work?
02:29 So, RBI has said in its order that after 29th February 2024,
02:33 Paytm will not be able to deposit in the Paytm Payment Bank customers' accounts, prepaid instruments, wallets, Fastechs, NCMC cards.
02:41 In addition, customers will not be able to make transactions through them and will not be able to top up the amount.
02:46 Paytm is the largest issuer of Fastech, you all know that.
02:50 And they have issued Fastech to more than 8 million customers.
02:54 So, those who have Paytm Fastech, they should definitely see this news.
02:59 Next question, what has been decided regarding UPI facility?
03:03 Because whether or not a Paytm payment bank uses it, but I am sure many people use UPI.
03:09 So, the answer to this is that after 29th February 2024, banking services like UPI facility will be stopped on the facility of Bharat Bill Pay and Fund Transfer.
03:18 Means if you have linked Paytm Payments Bank account with your Paytm, then you will not be able to make payment through UPI.
03:27 But if you have linked another bank account, then you can make UPI payment.
03:33 Next question, if for some reason your funds remain in Paytm, then how will it come back?
03:40 So, RBI has given an order to settle all transactions and nodal accounts in the pipeline from Paytm till 15th March 2024.
03:49 Now let us tell you that RBI has taken such a big decision that new customers who are after 29th February, they will not be able to make their account on Paytm.
03:58 So, what will be the effect on Paytm after this ban?
04:01 So, Paytm will be badly affected by this ban.
04:04 It is being estimated that Paytm is likely to suffer more than 500 crore rupees loss due to RBI's action.
04:12 However, the hope is that there are still some more important decisions in this which can still come.
04:17 Well, RBI has not told very clearly that what is the whole matter of this ban.
04:24 But there have been such news before that RBI has also filed a fine against Paytm and has also taken a very strict action.
04:31 One of the biggest reasons that comes to the fore is that there are some stakeholders of some Chinese stakeholders.
04:37 Because of which RBI has already taken strict action and has failed to tell who has stakeholders in Paytm.
04:44 So, this reason can be assumed that maybe this is why some irregularities have been found in the regulation, some problems have been found in the validation, some problems have been found in the audit report.
04:55 So, these are some reasons why RBI has taken this action.
04:58 But the whole decision that is implemented is only applicable on Paytm Payments Bank.
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