क्या आपको भी Digital Finance concepts में confusion होती है?
RBI की गाइडलाइंस, NBFC P2P platforms, और Digital Banking Units (DBUs) जैसे टॉपिक्स सुनते ही सिर चकरा जाता है ना? आप अकेले नहीं हैं!
लेकिन टेंशन लेने की जरूरत नहीं है, क्योंकि आज के इस वीडियो में हम Digital Finance का Part 2 ले कर आए हैं – जिसमें हम हर concept को सीधे-सादे, समझने लायक examples और आसान भाषा में explain कर रहे हैं।
चाहे आप CCP exam की तैयारी कर रहे हों या किसी बैंकिंग competitive exam के aspirant हों – यह वीडियो आपके लिए एक must-watch है! खासतौर पर उन लोगों के लिए जो concept clarity के साथ-साथ revision भी करना चाहते हैं।
👉 तो चलिए, इस learning journey को शुरू करते हैं – और हाँ! वीडियो को end तक ज़रूर देखें और अपने सवाल नीचे comments में पूछना ना भूलें!
🎬 Watch the Full Video
👉 Before we dive in, watch this video for a complete breakdown:
🏦 RBI Guidelines on Digital Banking Units (DBUs)
- Issued on 7 April 2022
- Setup by Scheduled Commercial Banks
- Enable 24×7, paperless, cashless, contactless banking
- Self-service kiosks, ATMs, CDMs – no staff needed
🏢 Setup Rules for Digital Banking Units
- Only banks with prior digital experience eligible
- RRBs, Payment Banks, LABs not eligible
- Must be in a separate physical building
- RBI approval not needed unless specified
💼 What Products Do DBUs Offer?
- Retail & MSME Loans
- Liability & Asset Products
- Govt Scheme-linked loans
- Fully digital processing from application to disbursal
🔄 What is NBFC-P2P Lending?
NBFC P2P is a non-banking financial company offering peer-to-peer lending services.
- Acts as intermediary, not direct lender
- Registered under Companies Act + RBI
- Minimum ₹2 Cr net owned fund required
⚠️ Restrictions on NBFC P2P
- No deposit acceptance
- No fund-based lending
- No international fund flow
- Only clean, unsecured loans allowed
- Data storage must be in Indian servers
✅ Duties & Responsibilities
- Credit assessment and risk profiling
- Disclosure to lenders & borrowers
- Obtain participant consent before using credit data
- Assist in documentation, disbursal, and repayment
💸 Escrow Mechanism in NBFC P2P
- Minimum two escrow accounts required
- Funds held temporarily before transfer
- Invested in RBI-approved, risk-free securities
[FREE EPDF] Certified Credit Professional | Module D | Chapter 20 Part 1
📢 Disclosure & Transparency Norms
- Lenders: Borrower details, risk, expected returns
- Borrowers: Lender offering & rates (no personal info)
- Platform must report to credit bureaus monthly
- Publish Fair Practices Code, credit methodology, grievance contacts
📊 DBU vs NBFC-P2P – Quick Comparison Table
| Feature | Digital Banking Unit (DBU) | NBFC P2P |
|---|---|---|
| Regulator | RBI | RBI |
| Function | Digital Banking Outlet | Lending Intermediary |
| Products | Deposits & Loans | Only Unsecured Loans |
| Ownership | Scheduled Commercial Banks | Private Companies |
| Setup | Separate Physical Location | Online Platform |
| Restrictions | No existing branch linkage | No deposit, cross-sell, or intl. funds |
| Fund Flow | Bank-managed | Escrow Accounts |
✅ Conclusion
तो दोस्तों, आज के इस सेशन में आपने जाना:
- Digital Banking Units – Features, Eligibility, Setup
- NBFC P2P – Business Model, Restrictions, Duties
- Difference between DBU & P2P
👉 अब इस knowledge को apply करें, PDF download करें, और comment करके बताएं कि कौन सा point आपके लिए नया था।
वीडियो अच्छा लगा हो तो लाइक करें, शेयर करें और चैनल को सब्सक्राइब जरूर करें!
📥 Downloadable PDF Notes
🎁 Click below to download your PDF Handout:
Download PDF – Digital Finance Part 2
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