आप सभी online payment करते हैं और आए दिन ऑनलाइन पेमेंट से जुड़े फ्रॉड्स के मामले भी सुनते ही होंगे जो लगातार बढ़ते जा रहे हैं. अब GOVT इन्हीं Cyber Frauds को लेकर कुछ जरूरी कदम उठा रही है. सरकार और RBI इसे रोकने के लिए UPI PAYMENT के रूल्स में बदलाव करने जा रही है. आप अभी UPI Payment करते हैं तो वो इन्स्टेंट हो जाती है लेकिन अब आपको 4 घंटे तक का इंतजार करना पड़ सकता है. तो क्या है नया रूल. जानते हैं इस वीडियो में..
#upipayment #upi #rbi #modigovt
#upitransfer #upirules #googlepay #gpay #phonepe #upiwallet
~PR.147~ED.148~
#upipayment #upi #rbi #modigovt
#upitransfer #upirules #googlepay #gpay #phonepe #upiwallet
~PR.147~ED.148~
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NewsTranscript
00:00 Hi this is Bhavna and you are watching Goodreturns.
00:02 You all do online payments and you must have heard about frauds related to online payments.
00:07 Which are increasing continuously.
00:09 Now the government is taking some important steps regarding these cyber frauds.
00:13 Government and RBI are going to make changes in the rules of UPI payment to stop this.
00:18 If you all do payment from UPI, it becomes instant.
00:23 But now you have to wait for 4 hours.
00:27 So what is this new rule? Will it apply on everyone?
00:30 What will be the impact on you?
00:32 We will know everything in detail in this video.
00:34 First thing, how much payment will be applied on?
00:38 The answer is 2000 Rs.
00:40 If it is 2000 Rs or more than that, it will take more than 4 hours.
00:45 Next question will be, will it apply on you?
00:50 It can be applied on you but there is a condition for it.
00:53 It will be done only for those people who are transferring more than 2000 Rs through UPI.
01:01 New users can face problems in doing UPI transaction.
01:06 But government will get help in controlling cyber payment fraud.
01:12 Now let's understand what is this 4 hours time.
01:15 If we understand this in simple language, it means that transfer of more than 2000 Rs will not be sent to the receiver's account.
01:25 There will be a gap of 4 hours.
01:27 If this proposal goes ahead, it can be applied on other real-time money transfer services.
01:33 In this type of other services, it comes IMPS and RTGS.
01:39 It means that even if you are using UPI for a long time,
01:45 but if you transfer more than 2000 Rs for the first time, it will take 4 hours.
01:52 Let's understand what is the rule now.
01:55 If you make a new UPI ID, you can transfer up to 5000 Rs in the first 24 hours.
02:03 In the case of NEFT, you can send up to 50,000 Rs in the first 24 hours.
02:08 This amount can be sent at once or repeatedly.
02:12 But more money will not be sent.
02:15 According to the new plan, if someone is transferring 2000 Rs to another person for the first time through UPI,
02:25 then it will reach his account after 4 hours.
02:29 In this regard, public and private sector banks, Google Pay and Razorpay are being talked to.
02:36 This meeting was held on Tuesday and the representatives of RBI were also present.
02:41 They said that the first time the people who are paying 2000 Rs will be given 4 hours to reverse their transaction.
02:49 But you must be thinking why this decision is so important.
02:54 Let's understand some data for this.
02:56 In the financial year 2022-2023, the banks have noticed the most fraud in the digital payments category.
03:03 RBI Annual Report 2022-2023 gave information about this.
03:08 In FY23, a total of 13,530 fraud cases were registered in the banking system.
03:13 In which 30,252 crores of fraud has been done.
03:17 49% of these cases come in the digital payment category.
03:23 That's why this decision is very important.
03:26 If you are sending money by mistake or there is some fraud,
03:29 then you can reverse your payment because it will not be received in the receiver's account.
03:37 So that's all in this video.
03:38 Do tell us how you liked this step of the government.
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