Loan chih i theih teksa bangin bank ahiam, financial institution khat hiam, mimal khat hiam apan sum a pung toh ditkik dinga leitawi a chih theih ding hi. Financial institution tuamtuam leh ei laka sumpung hawmte apan a leitawi i gen kei dinga, bank loan toh kisai khong hi zaw ding hi. Bank a sem hilou i hihmanin bankte dan leh dun i thei kholkei a, gelh diklou hiam gelh fuhlouh hiam a omleh bank a semte’n a dik hon gen mai ding uh i chi ding.
Ei lawi in chile - Lamka lam hi’n, Mizoram hi’n, Nagaland khong hitaleh bank loan lak utin i ngaina mahmah uh abang hi. Mizoram leh Nagaland gambuai ahihlai or gambuai ahihna uah phualpi sorkal in le sum chillou a pump lut mah ahi dinga. Population lah tam khollou ahihna ah huai sumte zangkha percentage sang a, gimtaka sem khollou leh baihlam taka sum muhtheih suak ahihman in sumzat khong kihat in sum value khong ki thei khollou bang hi. Huchi ahihna ah phualpi pan a hongpai sumte - vai sum, zatkhak zahzah zatsak ziahziah mai ding chihpian ngaihdan om hileh kilawm hialin baihlamtaka muh sumin i moral leh society a suksiat lam khong ki ngaihsak lou abang hi. Bank khong le a neitu India sorkal, vaite sum mah chih bawlin loan lak theih zahzah laka, ut dandan a zat a ditnawn le sawm khollouh ding chih ngaihdan a om sim abang hi. Gambuai kei mahleh Lamka lam ah hiai dan mah ahihna tan a om thou.
Huchi in bank i chih chiangin loan lakna ding dan a et hipah mai hi. I meltheih bank manager hiam bank a sem hiam a om leh loan va nget di et in i en pah hi. I lawmte in bank a sem meltheih a neih uh nangawn loan gensak dingin a chialin i beisei pahpah. Khenkhat lah huchia bank a sem meltheih ziak ua a va gensakte un a laktheih u leh share la chih bang a om nawn hi. Mizoram leh Nagaland ah State Bank of India a hah lut ua, khoteng phial a branch a neihlai un nationalized bank dangte a om mang kei uhi. Himahleh RBI guideline zuihna dingin tunai in Aizawl bang ah nationalized bank a hong kihong souhsouh sim hi. Huchia bank kihong thak a Manager khongte toh i houlim khak chiangin mipi in loan kia a deih uh, bank account teng 500 hiam in a hong hong ua a zingni, a thaini chiangin loan a hon ngen pah mai uhi chih genpi penin a nei ten sek uhi.
Bank a loan lak ding. A sum khut a aomlai chu zat ziahziah mai a, a tui dawn a aha nek ziahziah ding. A ditkik ding lam ngaihtuah khollou ding. A loan muhna dia le a saitu bank staffte tunga sen le poisa lou mai ding. Sumdawnna dinga zatphattuam ding ahiam khosakna a dinsuahna ding ahihkeileh kibulpatna dinga sum neilou in bank loan a laka a kitunding theih leh huai a hoih mahmah a, bankte’n le loan piakdingin huchibang mite ahih a deih uh. Sumdawng pilvangte’n sum nei lele bank loan lak ding mah ahi, loan i lak chianga ditkik ding oma, huaiziak a ki hahpan ahi a chi ua bank loan khong a lakte uh a zang phatuam mahmah uh. Himahleh tampi takte huchi loua, a ditkik lam ngaihtuah loua loan lak sawm pawl ki om hileh kilawm hi.
Chihtak in chu huchia loan i deih luat man a le i gam a bank staffte khong hihsual gai ki hizaw maithei hi. Bankte’n mipi apan deposit sum lakhawm ua, mipi bank a sum koihtute a sum uh interest toh pe zomah ahihchiang un deposit ah amau lawkna omlou hi (Koikoi hiam ah bel invest in a pungsak thei uh). Bank summuhna service tuamtuam apiakte ua commission, bank charges chih khong leh loan a piakkhiakte ua pana interest a muhkik khong uh ahi hi. Gendan dangin, i sum bank a i koihte interest honpia ahihman un a lawkpih kei ua, loan i va lak chiangin interest toh dinkik i hih manin a lawkpih uhi. Huchi ahihna ah bank branch tengin mipi a pana deposit a neih tam dan dungzui un loan a piakkhiak ding uh bikhiah sak ahi a. Loan a piak ngeingei uh ngai hi. Loan piak ding zah pekeile uh amau buaina ding mah ahihmanin loan piaktuak zong ding leh a buaipih ding in Field Officer chih khong a neih uh ngai zomah hizaw hi.
Huchi himahleh eipawl in bel bank a semte loan mit ngena enin, a maipha uh va kizonhuan in ki om zaw hi. Apung tampi toh ditkik ding hi napi in loan muhtheihna ding ahihnak leh a semtute percent bangzah hiam bang le phaltakin ki pe ngam mawk hi. I huchih chiangin bank a semte’n advantage la in ana kisathei ua, amau mimal a ding sum bawlna bangin mipite hon zang theita uhi. Huai hiphetlou in bank loan lakna dinga a system dan bang i suah kha zozen abang hi. Kuamah in loan lalou bang hi zenzen le bankte buailaw ding, loan piak ding a zon a zong ding ahih zawk lai un e’n i maipha va zongin i va bia a, a kipahna ding uh i neihlouh pi in i hisak zaw hi.
Lamka ngial bang ah a bank loan gentaklouh mahni account a sum koih lakhe ding nangawn/pension lakhe ding nangawn in a semtute sum a va guaih ngai chitel maimah uhi. Huchi lawmlawm chu a lawm le kilawm ngallou hi. Bank a nasemte moh leh demkai mahmah ahihlai in mipi lam in le a huchi dinga va tawsawn i hihna om zel hi. Tua i omdan etin bank a semte’n i sum lakkhiak dek beisei a hon ngiat hiam, i loan lak dek hon buaisak nilouh hiam a a om uleh a complain a i va pan na ding chu gamla sim lai leh kilawm hi. Mipi in i hih ding, i hihtheihte i theihlouh ziak mah a diam ahihkeileh sum value thei nawnlou, nuamtaalna dia zat dinga deihin ditkik le sawm khollou i hihna a bangkim pomzam a sen a om lele poisalou ki hi zaw?
Bank khong in Grievance Cell a nei ua, a service ua i lungawi kei leh huai a tutpah theih hi. Grievance case khong a om chiangin management in a ngai khawk mahmah. Audit, Vigilance Dept chih khong le a nei vek ua, a diklou huaite khut bang tung leh amau report bawlin huai dungzui a nasemtu diklou pen tunga action la mai ding uhi. Huai dingin mipi in a diklou pomlou a i doudal ngam ngai hi. Hileh semtu dangte in le lau in na diktak in hon sem thei ding uhi. I utleh a Head Office ua a lianpen kiang khong ah le complain khaksuk top le hithei vek mai hi. Banking Ombudsmen chih bangle a om nalai. Huaite i hih utkei lele a service ua i lungkim kei leh Consumer Forum a deficiency of service dan a case file mai theih hi. Consumer Court te in atangpi in consumerte nakpi in panpih zaw tham uhi.
Huai genchianna dingin bank chu a hikei na a, kou sepna a thil khat kon gen mawkmawk ding. Mi khatin Kolkata ah Mediclaim (health insurance) policy nei hiven, Agartala Branch ah va renew sawm hi. Agartala ate’n a record khong omsa omna, policy issue na Kolkata Office lam a renew dingin na kawkmuh zaw uhi. Aziak chu claim khong a om leh omlouh Kolkata in thei ding (claim omkei leh bonus khong om thei). Huaikhitin lawmpan a gelhthoh in renew ding ngetna Agartala office ah pe lai a, a copy Kolkata office bang le thon hi. Agartalate’n Kolkata lamte toh ki dawng mai ding a koihin a lai le na dawng khollou uhi. Kum khat bang hong val chiangin pawlpa Consumer Court ah paita hi. Insurance premium khong pelou ahihmanin policy ki issue lou hiven, District Forum ah kou lam ka hat pah uhi. State Forum ah a appeal a, State Forum in Rs50000/- hon liausak in Rs5000/- cost chih behlap laia, insurance a bawllouh kum nih paita sung le insurance cover piak ding chi in a case thukhen hi.
Hiai thukhenna in India gam dan (insurance dan) nasa taka kalh kha ahihna ah, chihbel Insurance Act provision khat ah insurance premium customer in a piak masiah India gam sung ah insurance companyte’n insurance cover a pethei kei uh chih om hiven. A liau ding amount pen tamkei mahleh hiai thukhenna diksa theilou, National Forum a ka appeal chiang un National Forum in a case hon entertain sak nuamlou maimah hi. Huchih chiangin State Commission thukhenna hinglai ahihmanin insurance policy omloupi a claim piak hong ngaita. Koi account apan peta ding chih khong a hong buaihuai mahmahta hi. Huaibanah computer realtime a online vek ahih chiangin kum nih kum thum paisa insurance a hihlouh sung le insurance cover piak ding ding chih pen bang a huai hunsung a ding a premium hong pe mahleh back dated a policy issue dingdan omlou himhim ahihman in buaihuai pi suak nawn hi. Huai hunsung a damdawi in a aki etkolna Rs21000/- cliam bang insurance claim hong thehlut beh zomah lai.
I gennop ahihleh mi’n hichi tuka, dik mangloupi a le consumer forum khong a zat phattuam theih u leh eilam ah leng bangtan hiam bek zat phattuam theih dan i ngaihtuah uh hunta chih lam ahi zaw. Ngutin Lamka ah District Forum a om ngut hia? Consumer Court. I Lamka uh le ki naktheihlouh lua a..
I loan lam ah luttou thak le. Loan chihpen kitunding na ding, sumsinna ding leh a phatuam dinga hoihtaka zat sawma dit le dit sawm i hihleh a hoih mahmah. Bankte sum zanga kitungding thei ding i hihmanin, lak luat mahmah ding ahi. Himahleh ditsawm khollou, noptalna ding khong ngim i hih leh la dah zaw mai le. Huaite ziaka in a poimoh taktakte a dingin loan lak a haksat phah a, a poimoh taktakte’n loan latheilou uh le ahi zawsop hi. Bank khong le a paidikna dingin mipi in i ngaihdan i kheka i bawldik theihna ding lampi tampi a omg. A semte a huaiham ua haksatna a bawl uleh le mipi in bawldik thei tham ding.
No comments:
Post a Comment