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असुरक्षित ऋण क्या होते हैं? भारतीय बैंकिंग संकट, अर्थव्यवस्था पर प्रभाव और RBI के समाधान की एक विस्तृत विवेचना करो।

Drafting और Structuring the Blog Post Title: "असुरक्षित ऋण: भारतीय बैंकिंग क्षेत्र और अर्थव्यवस्था पर प्रभाव, और RBI की भूमिका" Structure: परिचय असुरक्षित ऋण का मतलब और यह क्यों महत्वपूर्ण है। भारतीय बैंकिंग क्षेत्र में असुरक्षित ऋणों का वर्तमान परिदृश्य। असुरक्षित ऋणों के बढ़ने के कारण आसान कर्ज नीति। उधारकर्ताओं की क्रेडिट प्रोफाइल का सही मूल्यांकन न होना। आर्थिक मंदी और बाहरी कारक। बैंकिंग क्षेत्र पर प्रभाव वित्तीय स्थिरता को खतरा। बैंकों की लाभप्रदता में गिरावट। अन्य उधारकर्ताओं को कर्ज मिलने में कठिनाई। व्यापक अर्थव्यवस्था पर प्रभाव आर्थिक विकास में बाधा। निवेश में कमी। रोजगार और व्यापार पर नकारात्मक प्रभाव। भारतीय रिज़र्व बैंक (RBI) की भूमिका और समाधान सख्त नियामक नीतियां। उधार देने के मानकों को सुधारना। डूबत ऋण प्रबंधन (NPA) के लिए विशेष उपाय। डिजिटल और तकनीकी साधनों का उपयोग। उदाहरण और केस स्टडी भारतीय बैंकिंग संकट 2015-2020। YES बैंक और IL&FS के मामले। निष्कर्ष पाठकों के लिए सुझाव और RBI की जिम्मेदारी। B...

Svamitva yojana (scheme )

 It is a bare fact that no legal data regarding the household property like house cattle shade bada Abadi etc is available in a village across in India. Ownership data of non Abadi land particularly  the agriculture land is available in the form of khatauni which is maintain regularly by the revenue department in every state.


Land use data is maintained in the form of Khasra and other important documents of Revenue Department. Criteria of digitalisation of land record both these documents were maintain and update manually. This process lacked accuracy system for Resident Evil property is invisible. The Government of India conceptualization the swamitva scheme which was announced by the Prime Minister Narendra Modi on national Panchayati Raj day. April 24 2020 pM Modi on October 11 2020 formerly inaugurated survey of villages and mapping with I'm provided technology in village area or swamitva scheme by which government expect to transform the rural property holding landscape mud in dispute and court battles for decades. The scheme aims to to provide and integrated property validation solution for the ruler India.


Swamitva the survey of villages and mapping with improvised technology in village areas


Svamitava is a new government project that primarily aims to d market Abadi areas that includes inhabitant lands contiguous to Abadi and were these bus Teej in rural areas using drones serving Technology the project would provide record of write two houses owner in villages who have houses in Habitat ruler area and every reasonable and ethnic property owner in villages across India will receive a property card as a government provided valid proof of their ownership. This in turn would enable them to use their property as a a financial asset and secured loans and other financial benefits from banks against those properties.


Implementation of the project svamitva


While property mapping and digitalization of records have been going on for the nearly two decades in India the new swamitva project has introduced cutting edge Drone Technology into the process to the Future strength mapping and reduced chances of any descript in records .

           apart from demarcation visual ruler property other Gram Panchayat and communities asset like village roads Ponds Canal Open Spaces school anganbadi health centre among other would also be served to create geographical information system maps. DH Graphical information system maps and database would also be used in preparation of accuracy of work estimates for various project undertaken by Gram Panchayat and other departments of the respective state government dH can also be used the prepare top-quality Gram Panchayat development plan.


         Under the project all the662000 villages in the country will be survey and data will be mapped and recorded over the next four year by 2024. Currently The Pilot phase have been approved for the year 2020 and 2021 it is been implemented in a Six pilot state Haryana Karnatak Madhya Pradesh Maharashtra Uttar Pradesh and Uttarakhand covering nearly100000 villages.

Future the continuous operation reference system network establishment in plant for two state Punjab and Rajasthan

This type of scheme has 6 phases 


Establishment of CORS network
Large-scale mapping using drone
Information
Education activities and communication

Enhancement of spiritual planning application as well as gram panchayat

Online monitoring system and implementation

        All these phases will be implemented through program management unit as well as national and state levels.

Implementing agency

Spread over 4 year year between 2020 and 2024 this swamitva scheme this project is overseen by the Ministry of Panchayati Raj which acts as the nodal body. Moreover the following agency are being involved in the project.


Survey of India Technology implementation agency

Concern state revenue departments

Concerned state Panchayati Raj department

Respective local district authorities

Respective gram panchayats

Property owners.

National Information centre

           for monitoring purpose a three-layer monitoring and evaluation Framework shall be put in place for timely monitoring reporting and courses corrections. The government has already allocated 79.6 5 karod for the pilot faces to be finished during 2020 and 21.


Implications


According to the Framework on swamitva prepared by the Panchayati Raj Minister apart from validating property owners the project will also enable updating of property and asset register to the strength tax collection and demand assessment process of gram panchayats.

               the legal record of property holders and Insurance of property cards to house owner based their own would facility monetisation are ruler residential asset for the purchase of credit and other Financial Services. This could also pav the way for the clear determination of property tax which would acquire to the representative and respective Gram Panchayat directly.

          lack of clarity in land titles particularly in rural and semi urban areas was one of the biggest bottlenecks in the overall development in India. Well defined and Secure property rights are fundamental to economic progress of the country therefore digitalizing of land records why effective uses of Technology is a major step taken by the government towards this goal it will imminently streamline and organic India's outdated landrecords system and bring it in Greater transparency it will also help attract more foreign investor for whom lack improper land titles is a major deterrent for investing in India it will also add in the overall approval process for project which is another lacuna in the Indian real estate segment it will help in reducing the burden on the Indian judiciary by helping faster resolution of land disputes.

Progress


The initial work done since April 2020 and data already available with the authorities from the previous mapping affords the government has already started a string property call to owner in six state. On October 11 2020 during his inaugural the PM said that nearly100000 villagers beneficiary from Haryana Karnatak ka Madhya Pradesh Uttar Pradesh Uttrakhand have been handed over the legal papers against their property. While distribution of Panchayat and his is physical cards will take some time they are now eligible for downloading virtual property card via SMS.spread across 763 e villages these beneficiary belong to 346 villages from Uttar Pradesh haryana hundred from Maharashtra 44 from Madhya Pradesh 50 from Uttrakhand and 2 from Karnataka.

               the scheme is going to bring historical changes to the villages in the country PM Modi said adding that the country had taken another major step towards aatm nirbhar Bharat scheme would help in making ruler India self reliant.he further shadow once implemented the moon would not only help people deal in rural properties but would also open up new avenues of investment as create employment opportunities.

Challenges and opportunities


      The step towards digitalization of ownership records through Drone based survey and mapping is a wealth of thought initiative at this stage the svamitva project does not cover the survey of all agriculture and non agriculture properties the focus is on residential and public property is it might be possible in coming days to includes all property in a rural area for creating lands ownership records in physical as well as digital form. A comprehensive digital mapping of rural and categories agriculture residential and commons will help Rises ruler productivity and incomes in various way individual formal are not able to take land on leaves leases aur confidently lease out of dated educational credit in constrained shop proper lands record while the digitalization of land mint of agriculture purpose has been completed to the extent of almost 90% covering 5.91 likes out of 6.60 lacs villages in India. Demarcation residential property remains and issues the digitalization of Agricultural lands records has contributed to the smooth implementation of PM Kisan samman Nidhi Yojana. However the provision of common amenities in impacted by the lack of demar👍 of property owner in the village panchayats are unable to collect their due to share of property tax from residential parcells .

     The Economic Survey of 2017 and actor said that the house tax collection of rural local governments of panchayats is 20% relative tube potential all over in India with the southern state doing better in this respect clear title and transparent land valuation these collection could be improved.

        The survey of villages and mapping with improvised technology in villages area as well as swamitva schema  address these properties andes problems. The plan is the survey all RO ruler properties using drones and proper prayer gIS based map for each villages the process being with the spinning of m o u between the survey of India and the state government concerned the sol will use Technology for the top paragraph acle mapping including satellite images and grown platform during this financial year the scheme will be implemented as a pilot in about one lacks villages across a state Maharashtra Karnatak Hyderabad Haryana uttarakhand Madhya Pradesh Punjab and Rajasthan Swami to AIIMS is to cover 6.60 lacs villages in country by 2023 and 24 after physical verification and dispute resolution property card of sampatti Patrick will be made available on digital platform or over in all copies of village householder owners.

          digitalization of personal identity and agricultural land and now residential property in rural areas for farmers will facilitate transparent transaction in land parallel non-farm related activities will benefits from clear title and the removal of land supply constant according to Niti Aayog March 2020 report on land leasing 36% of tenant farmers and landless and 56% are marginal lands owner clear title record accompanied by the legalization of land leasing will improved their access to credit insurance and support services with digital records banks can lend freely without much documentation for malicious Markets and digitalization of personnel records can lead to improved implementation of schemes such as PM Kisan fasal Bima Yojana and the main challenges for the Swami is to ensure Central state coordination and smooth working of dispute settlement system.

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