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Zawhna:
1. Pi Remsiem thusawi RBI atanga nationalised bank ni tura qualified, anmahni (NEREFS) ten an duh loh avanga nationalised bank nilo angin tar lan a ni a. Tlem dah tel ila:

”Even though NEREFS had been qualified by RBI to be a nationalised bank, I have rejected the offer to give some more time for more consolidated establishment,” said Executive Director Ms Lalremsiami.”

Nationalised bank ni tur hian mithiam (qualification bithliah chin phak) an ngaih bakah mimal enkawl (Family business) tan nationalised bank anih theih loh. Tin, a sawi hunlai hian an assets value (sum neih zawng zawng) hi Rs. 50 Crores ala ni. Nationalised bank ni turin Rs. 200 Crores angai. Heihi media te phuahchawp nge amah Pi Remsiem’n NEREFS hi rinawm taka lan tir a tum vanga a dawt sawi?

2. Micro Finance kalpui turin NBFC ah tal in register tur anih laiin; RBI List ah hmuh tur an awm lo, amah Pi Remsiem ngei pawn NBFC niin an insawi. An sumdawnna en hian NBFC-a in register ngei tur annih hmel:

“As per the Section 45-I of the RBI Act, an NBFC is a company which carries on any of the following activities as its business or part of its business:
*Lending;
*Receiving of deposits (as the principal business);
*Acquisition of shares, stocks or other securities;
*Hire-purchase or leasing;
*Insurance;
*Chit funds; and
*Lotteries
As per this definition, if a company undertakes microfinance, it automatically becomes an NBFC and all related regulations apply”

3. NBFC te tan public lending (loan pek) an kalpui chuan, an interest charge tam theih ber chu mimal hnen ah 15%, pawl bik hnen ah 25% anih laiin kan ramah 41.14% lai min charge! RBI Norms an zawm theih loh vanga NBFC list ah pawh hmuh tur awmlo tihna em ni?

Ngenna:

An interest charge an mi zawrha te hnena an hriattir dan hi a fair lo riau!

“Rs.50,000 (cheng Singa)pukin thlatin Rs.1275 Kartin Kumkhat chhung rulh tur”

Han en vang vang chuan tunah Rs. 50,000/- ka dawng anga, kar leh atangin kartin Rs. 1275 in kan rul char char chauh ang… A tirah pawisa dawn (capital) a sang viau a, anmahni lam atanga chhuak leh tur tlem tlem anih avang hian puktu an tam khawp ang.

Heta charge zat diktak hi 41.14% kum khat atan ani daih mai. A chhan pawh a puk tute hian pawisa hlawm (loan amount) an dawn atanga kar khatna atangin an rulh nghal char char angai a, kartin pawisa a chhuak nghal char char tihna (loan amount atangin). Vawi 48 (12 months * 4 weeks) compounded a awm tihna anih ber chu.

Hetiang an charge zat diktak hre chunga an puk duh anih chuan a puk tute lam duhthlan ah dah sak ila, mahse engzat percentage in nge ka puk tih poh hre miah lova inpuk tir hi a tih tawp theih em? In charge zat tur hi simple interest sawi lang lovin a pung diktak compounded angin inhrilh ngei a tha khawp, abikin rawngbawlna nen kal kawp chuan.

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