LIC Eases Documentation Norms for Claims Linked to Pahalgam Terror Attack

Life Insurance Corporation of India (LIC) has announced a relaxation in claim settlement procedures for victims of the Pahalgam terror attack that occurred on Tuesday, April 22, 2025. The incident claimed 26 lives, most of them tourists visiting the Kashmir valley.

LIC Statement on Claim Process

LIC stated that it is committed to supporting the families of the deceased and will expedite the claim process to provide financial assistance. The insurer added that several concessions have been introduced to reduce hardships for claimants.

According to LIC’s MD and CEO, Siddhartha Mohanty, in lieu of a formal death certificate, any record in official government documents confirming the policyholder’s death in the terrorist attack, or evidence of compensation paid by the central or state government, will be accepted as valid proof of death.

Claim Assistance 

LIC noted that all efforts will be taken to reach out to the affected families and settle claims promptly. Claimants may contact the nearest LIC branch, division office, or customer zone. They can also call the dedicated helpline at 022-68276827 for further support.

Standard Claim Requirements

For regular death claims:

  • Written intimation with policy number, date, and cause of death
  • Claim Form A
  • Certified extract from local death register
  • Original policy bond
  • Proof of age of the deceased and the claimant
  • Legal heirship proof (if no nominee/assignee is present)
  • Bank details with NEFT form and cancelled cheque or passbook copy

Early Death Claim (Within 3 Years of Policy Start/Revival)

  • Medical certificates (Form B/B1/B2)
  • Burial/Cremation certificate (Form C)
  • Employer certificate (Form E)
  • FIR, post-mortem, and police investigation reports (if applicable)

Meanwhile, Insurance aggregator Policybazaar said it would offer a job to a family member or sponsor a child’s education in every affected household.

Market Overview

As of 9:16 AM on April 25, 2025, Life Insurance Corporation of India share price was trading at ₹823.70, up 1.06% for the day, but down 8.85% over the past six months and 16.33% over the past year.

Read more: Market Correction Hits LIC Portfolio: Portfolio Value Drops by ₹84,000 Crore.

Conclusion

LIC’s relaxation aims to reduce procedural delays and simplify claims for families impacted by the Pahalgam incident. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

India Could Be First to Sign Trade Deal with US Amid Tariff Pause, says US Treasury Secretary

According to the news reports, India may become the first country to conclude a bilateral trade agreement with the United States under the current US tariff policy, according to comments from US Treasury Secretary Scott Bessent. Trade negotiations between the two countries are in the advanced stages, with both sides aiming to finalise the first phase of the agreement before July.

Negotiations Underway in Washington

India’s Commerce Secretary Rajesh Agrawal is currently in the US for a three-day round of discussions with American officials. The meetings follow the finalisation of the terms of reference for the proposed Bilateral Trade Agreement (BTA). Talks began on Wednesday in Washington and are expected to cover unresolved issues that may lead to an interim understanding before formalisation.

India’s Trade Profile Cited

Speaking at an event on the sidelines of the World Bank and IMF meetings, US Treasury Secretary Scott Bessent noted that India does not impose as many high tariffs compared to other nations and has fewer non-tariff barriers. He also said India does not engage in currency manipulation and provides minimal government subsidies. These factors, he added, make negotiations simpler.

Tariff Status and Timeline

In April, the US announced a 26% reciprocal tariff on Indian exports, applicable to around 60 countries. This tariff was later put on hold for 90 days, with the suspension set to expire on July 8. India currently remains subject to a 10% tariff under the US’s existing trade framework. The bilateral deal, if concluded on time, may allow India to avoid the higher tariff.

Diplomatic Engagement

US Vice President JD Vance, during his visit to Jaipur earlier this week, called for India to remove non-tariff barriers and expand access to its markets. He also encouraged increased purchases of American energy and defence products as part of broader trade and strategic discussions.

Read more: India and US Finalise Terms of Reference to Address Trade Tariff Barriers!

Conclusion

With negotiations progressing and the tariff suspension deadline approaching, both sides are working to finalise the initial phase of a trade deal in the coming weeks.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

IndusInd Bank Dismisses Reports of Microfinance Pause and Executive Exit

IndusInd Bank has denied reports that it has stopped onboarding new customers in its microfinance (MFI) segment. In an official statement, the bank clarified that it has not received any directive from the Reserve Bank of India (RBI) to pause MFI customer acquisition.’

As of 9:27 am on April 25, 2025, IndusInd Bank share price was trading at ₹820.80, up 0.13% for the day, with a 28.84% gain over the past month and a 21.20% decline over the past six months.

Reports of Pause Since January

Earlier media reports had suggested that the bank stopped adding new MFI customers in January 2025 and paused loan disbursements through its microfinance arm, Bharat Financial Inclusion Ltd (BFIL), for most of the March quarter. These reports claimed that the decision was based on informal feedback from the RBI.

Executive Exit Denied

IndusInd Bank also rejected claims that Vikas Muttoo, COO and head of member services at BFIL, had left the organisation in connection with the developments. Muttoo was heading the MFI vertical, which accounted for 9% of IndusInd Bank’s total loan book in the first nine months of FY25.

Audit Underway at BFIL

The bank has engaged global audit firm EY to examine operations at BFIL. The scope of the review includes accounting of interest income reversals, expense entries, and loan pricing. The possibility of evergreening practices is also under review. The audit began following feedback from the RBI, and a preliminary report may be submitted before June.

Loan Book Under Review

As of December 2024, IndusInd Bank’s MFI loan book stood at ₹32,564 crore. Of this, ₹6,679 crore has been recognised as non-performing assets for the nine months ended December 2024. Disbursements during the same period stood at ₹4,614 crore. Depending on audit findings, a one-time provision may be required.

Plans on Hold

Plans to reposition BFIL as an affordable lending business under the name ‘Bharat Banking’ have been put on hold. The RBI has asked the bank to complete the audit, address operational gaps, and make necessary provisions before implementing the new structure.

Read more: IndusInd Bank Forensic Audit Over ₹600 Crore Discrepancy

Conclusion

IndusInd Bank has denied halting MFI operations or any senior-level exits. An internal review is in progress, and further developments are expected once the audit concludes.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

NFO Alert: Edelweiss BSE Internet Economy Index Fund and Bajaj Finserv Nifty 50 Index Fund

Two index funds have opened for subscription: one from Edelweiss Mutual Fund tracking the digital economy, and another from Bajaj Finserv based on the Nifty 50 Index.

Edelweiss BSE Internet Economy Index Fund

Edelweiss Mutual Fund has launched the Edelweiss BSE Internet Economy Index Fund. It is structured to replicate the BSE Internet Economy Total Return Index, which consists of 20 companies selected from the BSE 500. The index includes firms across internet-focused sectors such as e-retail, online services, fintech, digital marketplaces, telecom infrastructure, and digital entertainment. Traditional IT and software companies are not part of the index. NFO will be available from 25 April to 9 May 2025.

The fund uses a rules-based, transparent methodology to construct its portfolio. Their aim is to reflect the total returns of the BSE Internet Economy Index, subject to tracking error.

Minimum investment is ₹100. Additional investments must be made in multiples of ₹1. The scheme will be managed by Bhavesh Jain and Bharat Lahoti, Co-Heads of Factor Investing at Edelweiss Mutual Fund.

Bajaj Finserv Nifty 50 Index Fund

Bajaj Finserv has announced the Nifty 50 Index Fund, which falls under the Equity | Large Cap category. The fund will invest in all 50 companies that make up the Nifty 50 Index in approximately the same proportion as the index. Their objective is to mirror the performance of the index, not to outperform or underperform it. NFO will be available from 25 April to 9 May 2025.

Details:

  • Opening NAV: ₹10.00
  • SIP investment starts at ₹500
  • Lump sum investment starts at ₹500
  • Additional investments of ₹100

The fund will remain open for investment between 25 April and 9 May 2025.

Read more: NFO Alert: SBI Mutual Fund Launches New Arbitrage-Based Fund of Fund

Conclusion 

Both funds are available for subscription during the same window. One tracks the Nifty 50, while the other focuses on companies involved in India’s digital economy.

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Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Airtel Eyes Equity Deal with Govt for Spectrum Payments, Pushes for Fair Competition

As per news reports, Bharti Airtel has approached the Department of Telecommunications (DoT) seeking conversion of its deferred dues into equity. The request has been made under the 2021 telecom reforms package, which allows telecom companies to defer payments and convert the interest component into government equity.

As of 9:31 AM on April 25, Bharti Airtel share price was trading at ₹1,846.70, up by ₹1.10 (0.06%) for the day, with a 6.90% gain over the past month and 10.85% over the past six months.

Call for Equal Treatment

Airtel has also raised the issue of equal application of the equity conversion clause. The company’s communication follows the government’s move to convert dues worth ₹36,950 crore into equity for Vodafone Idea, raising its stake in the operator to around 49%.

Reports suggest, while the reform package is available to all operators, any conversion into equity will be assessed individually. The government has clarified that future conversions will be considered on a case-by-case basis following proper evaluation.

Prepayments Made by Airtel

Last month, Airtel prepaid ₹5,985 crore ($698.33 million) to fully settle high-cost liabilities from the 2024 spectrum auctions. This reduced the company’s total spectrum-related debt to ₹52,000 crore (approximately $6.27 billion). The prepayment also brought down the cost of debt to 7.22%.

In FY25 so far, Airtel has prepaid ₹25,981 crore of high-cost spectrum dues. Cumulatively, the company has prepaid ₹66,665 crore as of now. These prepayments were made ahead of schedule, some by nearly seven years, and helped clear ₹1,16,405 crore worth of future instalments.

The average interest rate on these prepaid liabilities was around 9.74%, including amounts previously charged at 10%, 9.75%, and 9.3%.

Background of the Reform Package

The telecom reforms package, announced in September 2021, offered a four-year moratorium on adjusted gross revenue (AGR) and spectrum dues. It also provided the option to convert the interest portion of the deferred amount into equity.

The moratorium ends in September 2025 for spectrum payments and by March-April 2026 for AGR dues. Repayments will resume in 2026 and continue until 2031.

Read more: Bharti Airtel Share Price Hits 6-Month High Ahead of Strong Q4 Results!

Conclusion

Airtel’s request will now be reviewed by the government, with no confirmation yet on approval. The company has not responded to queries regarding the matter.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

NSE Changes Requirements for SME Platform to Main Board Listing

The National Stock Exchange (NSE) has updated the rules for companies listed on its SME platform that want to shift to the mainboard. The revised criteria will apply from May 1, 2025, as per the circular issued on April 24.

Minimum Listing Period and Capital

  • Companies need to be listed on the SME platform for at least three years.
  • They must have a paid-up equity capital of ₹10 crore or more.
  • The average market capitalisation should be ₹100 crore or above, calculated based on the product of the share price (average of weekly high and low closing prices for the last three months) and total post-issue shares.

Financial Record

  • Revenue from operations must be over ₹100 crore in the previous financial year.
  • Companies should have reported a positive operating profit from operations in two out of the last three financial years.

Promoter Holding and Shareholders

  • At the time of applying, the promoter and promoter group must hold at least a 20% stake.
  • The promoter’s holding must not be less than 50% of what it was at the time of SME listing.
  • There should be a minimum of 500 public shareholders on the application date.

Other Requirements

To be eligible, the company:

  • Should have a net worth of at least ₹75 crore
  • Must not have any pending IBC proceedings or winding-up petitions
  • Should not have faced regulatory actions like trading suspension in the past 3 years
  • Must not be debarred by SEBI, nor should its promoters, directors, or subsidiaries
  • Should have no unresolved complaints in SEBI’s SCORES system
  • Must not have defaulted on interest or principal payments
  • Should observe a 2-month cooling period if its shares were recently under the trade-to-trade or surveillance category

Implementation

These revised rules will apply to all applications submitted from May 1, 2025, for migration from NSE’s SME platform to its mainboard.

Conclusion

With these revised norms, the NSE plans to introduce a more structured and financially robust system for SME companies transitioning to the mainboard, while making sure of compliance, investor protection, and operational credibility.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Tesla Rival VinFast to Open India Manufacturing Facility by June 2025

VinFast, the Vietnamese electric vehicle manufacturer, is set to open its assembly plant in India by the end of June 2025, as per reports. Another plant in Indonesia is scheduled to become operational by October 2025. These plans were confirmed by CEO Pham Nhat Vuong during a recent shareholder meeting of Vingroup, VinFast’s parent company.

Investment in Tamil Nadu

The India facility is part of a broader agreement between VinFast and the government of Tamil Nadu. The total planned investment is up to $2 billion, with $500 million allocated for the first five years. The plant is expected to have an annual production capacity of around 150,000 vehicles.

Change in Market Focus

Reports suggest that VinFast had previously focused on entering the U.S. market. A $4 billion plant in North Carolina was announced, but its timeline has now been pushed to 2028. Vuong stated that the company is not currently planning to increase activity in the U.S., Canada, or the European Union due to high logistics costs.

Instead, the company will now concentrate on Vietnam, Indonesia, India, and the Philippines. The shift comes after slower-than-expected progress in the American market and recent uncertainty related to tariffs.

Sales and Output Targets

In 2024, VinFast sold approximately 97,000 vehicles in Vietnam. For 2025, it is targeting domestic sales of around 2,00,000 units. The company has not provided a market-wise breakdown for international sales, but last year’s filings suggest that overseas markets made up roughly 10% of total sales.

Funding and Additional Projects

Since its founding in 2017, VinFast has received capital infusions totaling around $17 billion from Vingroup, affiliated entities, and Pham Nhat Vuong. In addition to EV manufacturing, Vingroup plans to develop power projects with a combined capacity of 25.5 GW, including a 4.8 GW LNG-based plant.

Read more: Tesla, BYD and Vinfast Set Sights on India as Global EV Markets Slow

Conclusion

VinFast is adjusting its international expansion plans, with upcoming plants in India and Indonesia, reduced focus on Western markets, and higher projected vehicle output in Vietnam.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Income Distribution Announced by Baroda BNP Paribas and DSP Mutual Fund

Baroda BNP Paribas Mutual Fund and DSP Mutual Fund have released details for income distribution under the IDCW (Income Distribution cum Capital Withdrawal) option for selected schemes. The record date for all listed schemes is April 28, 2025.

Baroda BNP Paribas Mutual Fund

Baroda BNP Paribas Mutual Fund will distribute income under both Aggressive Hybrid and Multi Cap funds across direct and regular plans. The per-unit payout for each is as follows:

Scheme Name IDCW (₹/unit)
Baroda BNP Paribas Aggressive Hybrid – Direct Plan 0.14
Baroda BNP Paribas Aggressive Hybrid – Regular Plan 0.12
Baroda BNP Paribas Multi Cap – Direct Plan 0.42
Baroda BNP Paribas Multi Cap – Regular Plan 0.40

Investors holding units under the IDCW option as of the record date will be eligible for this distribution.

DSP Mutual Fund

DSP Mutual Fund has declared a uniform IDCW payout of ₹0.20 per unit for its Aggressive Hybrid Fund. This applies to both direct and regular plans. The record date is also April 28, 2025.

Scheme Name IDCW (₹/unit)
DSP Aggressive Hybrid Fund – Direct Plan 0.20
DSP Aggressive Hybrid Fund – Regular Plan 0.20

Read more: DSP Mutual Fund Files Draft for Silver ETF Fund of Fund!

Record Date and Eligibility

The record date for all above-mentioned IDCW distributions is April 28, 2025. Unitholders whose names appear in the records by the end of this date under the IDCW option will be eligible to receive the declared income.

Conclusion 

Income distribution has been announced by Baroda BNP Paribas Mutual Fund and DSP Mutual Fund across hybrid and multi-cap schemes. The applicable amounts vary by scheme and plan, and the record date for eligibility remains consistent at April 28, 2025.

Plan your SBI SIP investments better! Use our easy-to-use SBI SIP Calculator and estimate future returns with just a few clicks. Your financial growth starts here.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Tesla Share Price Before Musk Joined DOGE vs. Current

Heading into the new year, Tesla stood tall. Its share price had reached an all-time high of $488.54 on December 18, and Elon Musk seemed invincible. Investors were encouraged by the prospect of a Trump presidency, speculating that favourable policies would follow, particularly ones that could benefit Tesla and Musk’s broader business interests.

With momentum behind it, Tesla appeared poised to dominate the EV space globally. However, beneath this optimism lurked growing scepticism around Musk’s evolving public persona and his deepening involvement in politics.

The DOGE Department: A Political Miscalculation?

Much of Tesla’s decline has been traced to Musk’s controversial appointment to the Department of Government Efficiency (DOGE). While positioned as a move to streamline public administration, the role placed Musk in a polarising spotlight.

Rather than rallying support, his involvement in DOGE drew criticism and stoked public distrust. Investors grew wary, fearing the fusion of political controversy and corporate leadership could drag down Tesla’s market value. The entanglement soon began to show in the company’s performance.

A Rapid Decline in Valuation and Wealth

The consequences were swift. According to Bloomberg’s Billionaire Index, Musk’s personal fortune dropped from $449 billion to $301 billion—a staggering decline of nearly $150 billion since Trump took office.

Tesla, once the crown jewel of Musk’s wealth, is no longer the profit-making machine it used to be. The company’s shrinking margins and waning investor confidence have led to a significant downturn in stock performance. For a business so closely linked to its founder’s identity, Musk’s personal and political missteps have had amplified consequences.

Cracks in the EV Giant’s Sales Armour

Tesla’s challenges are not limited to the stock market. Sales figures in early 2025 revealed deeper structural issues. In January, Tesla’s European sales dropped 45% year-on-year. In February, the decline continued with a 39% fall. This downward trend is particularly alarming given that the European electric vehicle (EV) market continues to grow.

While competitors capitalised on demand and expanded market share, Tesla struggled to maintain its previous pace. The company’s brand, once synonymous with innovation, now contends with scepticism and political baggage.

Read More: Tesla Eyes US and Indian Chip Suppliers for Supply Chain Diversification

Stepping Back to Save Face?

According to a news report, Musk may be stepping away from his role at DOGE. Though not officially confirmed, the move is being interpreted as an attempt to distance himself from the backlash and refocus on Tesla.

Conclusion

Tesla’s rise and subsequent struggles in 2025 offer a sobering reminder of the risks when business leadership overlaps with political ambitions. While Elon Musk remains a transformative figure in technology and entrepreneurship, the events of this year underline that no individual-not—not even one of the world’s richest—is immune to market backlash. As Tesla recalibrates, the spotlight remains fixed on how the company and its figurehead will steer out of turbulence.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

₹2 लाख करोड़ भारत में बिना दावे के: क्या यह आपका हो सकता है?

क्या आप जानते हैं कि भारत की वित्तीय प्रणाली में लगभग ₹2 लाख करोड़ बिना दावे के पड़े हैं? इसमें बैंक खातों, डाकघर बचत, बीमा पॉलिसियों, ईपीएफ (कर्मचारी भविष्य निधि), म्यूचुअल फंड और शेयर बाजार निवेश में छोड़ा गया पैसा शामिल है। यह पैसा वर्षों की कड़ी मेहनत से कमाया गया था, लेकिन कई परिवारों को यह भी नहीं पता कि यह मौजूद है। 

दावा करना इतना मुश्किल क्यों है? 

ज्यादातर लोग इन फंडों का दावा नहीं कर सकते क्योंकि उन्हें पता ही नहीं होता कि वे मौजूद हैं। कई प्रणालियों में नाम से खोज की अनुमति नहीं है, जिससे बिना दावे वाले पैसे को खोजना लगभग असंभव हो जाता है जब तक कि आपको इसके बारे में पहले से पता न हो। इससे बड़ी मात्रा में संपत्ति भुला दी जाती है, खासकर मूल धारक की मृत्यु के बाद। 

अयीईपीएफ: बिना दावे वाले शेयरों का संरक्षक 

स्टॉक मार्केट निवेश के लिए, ₹84,000 करोड़ से अधिक के बिना दावे वाले शेयर निवेशक शिक्षा और संरक्षण कोष (अयीईपीएफ) के पास फंसे हुए हैं, जो कॉर्पोरेट मामलों के मंत्रालय के तहत एक सरकारी निकाय है। यदि किसी कंपनी का लाभांश 7 साल या उससे अधिक समय तक बिना दावे के रहता है, तो लाभांश और शेयर दोनों अयीईपीएफ को हस्तांतरित कर दिए जाते हैं। कानूनी उत्तराधिकारी उनका दावा कर सकते हैं, लेकिन केवल उचित दस्तावेज़ीकरण के साथ। 

समस्या का पैमाना 

यहां बताया गया है कि विभिन्न वित्तीय क्षेत्रों में कितना बिना दावे वाला पैसा पड़ा है: 

  • अयीईपीएफ (बिना दावे वाले शेयर): ₹84,393 करोड़ 
  • अयीईपीएफ के साथ लाभांश: ₹5,700 करोड़ 
  • बिना दावे वाली बैंक जमा: ₹42,270 करोड़ 
  • बिना दावे वाली डाकघर जमा: ₹32,273 करोड़ 
  • निष्क्रिय ईपीएफ खाते: ₹8,500+ करोड़ 
  • बिना दावे वाले जीवन बीमा फंड: ₹20,062 करोड़ 
  • बिना दावे वाली म्यूचुअल फंड संपत्ति: ₹2,600+ करोड़ 

मुख्य चुनौती: जागरूकता की कमी 

सबसे बड़ी समस्या धोखाधड़ी नहीं है – यह है कि लोगों को पता ही नहीं है कि वे इन फंडों के हकदार हैं। यह खोजने का कोई आसान तरीका नहीं है कि क्या आपके नाम पर कुछ छोड़ा गया है जब तक कि आपके पास पहले से विवरण न हो। कई मामलों में, परिवार के सदस्यों को यह भी नहीं पता होता कि कोई निवेश मौजूद है। 

प्रस्तावित समाधान: सीयूपीए 

इसे ठीक करने के लिए, विशेषज्ञों ने एक केंद्रीय बिना दावे वाली संपत्ति प्राधिकरण (सीयूपीए) बनाने का सुझाव दिया है। यह बैंकों, बीमा, पीएफ, म्यूचुअल फंड और शेयरों से सभी बिना दावे वाले पैसे को ट्रैक करने के लिए एक एकल सरकारी निकाय होगा। यह लोगों को आसानी से अपने नाम पर संपत्ति खोजने की अनुमति देगा – जो वर्तमान में अधिकांश स्थानों पर संभव नहीं है। 

यहां तक कि सुप्रीम कोर्ट ने भी इस तरह के प्राधिकरण के गठन की सिफारिश की है, लेकिन इसे कई नियामकों और नियमों के विभिन्न सेटों के कारण बाधाओं का सामना करना पड़ता है। 

वैश्विक उदाहरण 

भारत अन्य देशों से सीख सकता है: 

  • यूएसए: प्रत्येक राज्य के पास एक सार्वजनिक वेबसाइट है जहां आप जांच सकते हैं कि क्या आपके नाम पर कोई संपत्ति है। 
  • यूके: सरकार स्वयं बिना दावे वाले फंडों को संभालती है और उन्हें दावा करने के बारे में जागरूकता फैलाती है। 

आगे क्या करने की आवश्यकता है 

भारत में इस मुद्दे को ठीक करने के लिए यहां कुछ प्रमुख कदम दिए गए हैं: 

  • बिना दावे वाले पैसे को केंद्रीय रूप से प्रबंधित करने के लिए सीयूपीए स्थापित करें। 
  • एक खोज पोर्टल बनाएं जहां लोग नाम से खोज सकें। 
  • जागरूकता अभियान चलाएं ताकि परिवारों को पता चले कि क्या जांचना है। 
  • दावा प्रक्रिया को सरल बनाएं ताकि कोई भी इसका पालन कर सके, यहां तक कि कानूनी मदद के बिना भी। 

निष्कर्ष 

यदि ये कदम उठाए जाते हैं, तो यह भारत भर के लाखों परिवारों को उनके प्रियजनों द्वारा छोड़े गए पैसे को पुनः प्राप्त करने में मदद कर सकता है – जिससे वित्तीय राहत और भावनात्मक समापन दोनों मिलेंगे। यह लोगों को अपनी भूली हुई संपत्ति से फिर से जुड़ने का समय है।

 

अस्वीकरण: यह ब्लॉग केवल शैक्षिक उद्देश्यों के लिए लिखा गया है। उल्लिखित प्रतिभूतियां केवल उदाहरण हैं और सिफारिशें नहीं हैं। यह व्यक्तिगत सिफारिश/निवेश सलाह नहीं है। इसका उद्देश्य किसी व्यक्ति या संस्था को निवेश निर्णय लेने के लिए प्रभावित करना नहीं है। प्राप्तकर्ताओं को निवेश निर्णय के बारे में स्वतंत्र राय बनाने के लिए अपना शोध और मूल्यांकन करना चाहिए। 

प्रतिभूति बाजार में निवेश बाजार जोखिमों के अधीन हैं, निवेश करने से पहले सभी संबंधित दस्तावेजों को ध्यान से पढ़ें।