RBI लाया UPI जैसा ULI, मिनटों में मिलेगा Bank Loan, समझिए कैसे और किसको होगा फायदा? GoodReturns
Unified Lending Interface: भारतीय रिजर्व बैंक (RBI) ने अपनी लेटेस्ट तकनीकी पहल ULI के पायलट प्रोजेक्ट की शुरुआत कर दी है। इसे जल्द ही पूरे देश में लागू किया जाएगा। ULI के जरिए लोन देने के सिस्टम को आसान किया गया है। इससे बेहद कम समय में ग्राहकों को फौरन लोन मिल जाएगा। इसका बड़ा फायदा छोटी रकम के कर्ज लेने वालों को होगा.
#rbi #shaktikantadas #uli #upi #loan #banking #ULI #ULIloan #UPI
#rbi #shaktikantadas #uli #upi #loan #banking #ULI #ULIloan #UPI
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NewsTranscript
00:00RBI has now prepared to bring a unified lending interface on the basis of a unified payment interface.
00:10After its arrival, it will be easier to take a loan.
00:13How, what is going to happen, how will ULI work, how will it benefit, let's know in the video.
00:19In fact, RBI Governor Shakti Kanthadas has given information about this in a program.
00:24Its biggest benefit will be for those who take small loans.
00:27In particular, small businesses will benefit from it.
00:30Shakti Kanthadas said that last year, i.e. in August 2023, Reserve Bank had launched a pilot project of a technical platform for frictionless credit.
00:40After the launch, for a year, this platform was focused on farmer credit card loan, dairy loan, MSME loan, personal loan and home loan.
00:49RBI Governor said that after the experience of the pilot project, a unified lending interface i.e. ULI will be launched in the whole country soon.
00:57He said that the way the UPI payment system has brought a big change in the entire digital payment ecosystem,
01:03in the same way, the unified lending interface will bring great changes in India's lending space.
01:08So how will you get it, who will get the benefit of ULI?
01:11See, the government and RBI have limited control over the apps that provide foreign loans.
01:17But the government will have direct control over the ULI platform-based app.
01:22The way you put a PIN through UPI and make a payment, in the same way, you will be able to get a loan by putting a PIN.
01:28This ULI will be linked to the bank account.
01:30The unified lending interface, i.e. ULI, will make it easy for the entire system to take loans.
01:36It has been designed to reduce the time and paperwork involved in credit processing.
01:41After its launch, farmers and MSMEs will be able to get loans quickly.
01:46The ULI app will collect data from different sources, including Aadhar, EKYC, state government land records, PAN validation, and account aggregators.
01:56Let me tell you that UPI was launched in April 2016 and it was launched by NPCI.
02:02In its 8-year journey, UPI has also been very successful.
02:06In July 2024, a transaction of 1444 crores was made through the unified payment interface, i.e. UPI.
02:13And during this time, a total of 20.64 lakh crores have been transferred.
02:18The way you put a PIN through UPI and make a payment, in the same way, you will be able to get a loan by putting a PIN.
02:26This is the kind of service RBI is trying to bring.
02:29How did you like this new project of ULI?
02:33What do you think about it?
02:35Do tell by commenting.
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