{"id":44395,"date":"2025-05-29T18:24:16","date_gmt":"2025-05-29T12:54:16","guid":{"rendered":"https:\/\/www.nextias.com\/ca\/?p=44395"},"modified":"2025-12-26T15:11:58","modified_gmt":"2025-12-26T09:41:58","slug":"%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%95%e0%a5%87-%e0%a4%b5%e0%a4%bf%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a5%80%e0%a4%af-%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%87%e0%a4%a4%e0%a5%8d%e0%a4%b0-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%b8%e0%a5%81%e0%a4%a7%e0%a4%be%e0%a4%b0%e0%a5%8b%e0%a4%82-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a4%a6%e0%a4%b2%e0%a4%be%e0%a4%b5-%e0%a4%95%e0%a5%80-%e0%a4%86%e0%a4%b5%e0%a4%b6%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a4%a4%e0%a4%be","status":"publish","type":"post","link":"https:\/\/www.nextias.com\/ca\/editorial-analysis-hindi\/29-05-2025\/%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%95%e0%a5%87-%e0%a4%b5%e0%a4%bf%e0%a4%a4%e0%a5%8d%e0%a4%a4%e0%a5%80%e0%a4%af-%e0%a4%95%e0%a5%8d%e0%a4%b7%e0%a5%87%e0%a4%a4%e0%a5%8d%e0%a4%b0-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%b8%e0%a5%81%e0%a4%a7%e0%a4%be%e0%a4%b0%e0%a5%8b%e0%a4%82-%e0%a4%ae%e0%a5%87%e0%a4%82-%e0%a4%ac%e0%a4%a6%e0%a4%b2%e0%a4%be%e0%a4%b5-%e0%a4%95%e0%a5%80-%e0%a4%86%e0%a4%b5%e0%a4%b6%e0%a5%8d%e0%a4%af%e0%a4%95%e0%a4%a4%e0%a4%be","title":{"rendered":"\u092d\u093e\u0930\u0924 \u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e"},"content":{"rendered":"\n<p><strong>\u092a\u093e\u0920\u094d\u092f\u0915\u094d\u0930\u092e: GS3\/ \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0938\u0902\u0926\u0930\u094d\u092d<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924 \u0915\u093e <strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930<\/strong>, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 <strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917, \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0947\u0935\u093e\u090f\u0902 \u0914\u0930 \u092c\u0940\u092e\u093e (BFSI)<\/strong> \u0915\u094d\u0937\u0947\u0924\u094d\u0930, \u090f\u0915 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093f\u0902\u0926\u0941 \u092a\u0930 \u0916\u0921\u093c\u093e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0901\u0915\u093f \u0938\u0941\u0927\u093e\u0930 \u091c\u093e\u0930\u0940 \u0939\u0948\u0902, \u092b\u093f\u0930 \u092d\u0940 <strong>\u0915\u0941\u091b \u0938\u0902\u0930\u091a\u0928\u093e\u0924\u094d\u092e\u0915 \u0938\u092e\u0938\u094d\u092f\u093e\u090f\u0901<\/strong> \u092c\u0928\u0940 \u0939\u0941\u0908 \u0939\u0948\u0902 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0920\u0940\u0915 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u092d\u093e\u0930\u0924 \u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u0938\u0902\u0930\u091a\u0928\u093e\u0924\u094d\u092e\u0915 \u0938\u092e\u0938\u094d\u092f\u093e\u090f\u0901<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BFSI \u092e\u0947\u0902 \u0905\u0938\u0902\u0917\u0924 \u0928\u093e\u092e\u093e\u0902\u0915\u0928 \u0928\u093f\u092f\u092e<\/strong>: \u092c\u0948\u0902\u0915\u094b\u0902, \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921\u094d\u0938 \u0914\u0930 \u092c\u0940\u092e\u093e \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0915\u094b\u0908 \u0938\u092e\u093e\u0928\u0924\u093e \u0928\u0939\u0940\u0902\u0964\n<ul class=\"wp-block-list\">\n<li>\u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0928\u093e\u092e\u093e\u0902\u0915\u0928 \u0938\u094d\u0935\u0930\u0942\u092a\u094b\u0902 \u0915\u0947 \u0915\u093e\u0930\u0923 <strong>\u0915\u093e\u0928\u0942\u0928\u0940 \u0905\u0938\u094d\u092a\u0937\u094d\u091f\u0924\u093e \u0914\u0930 \u092e\u0941\u0915\u0926\u092e\u094b\u0902<\/strong> \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093f\u0964<\/li>\n\n\n\n<li>\u0928\u093e\u092e\u093e\u0902\u0915\u093f\u0924 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u0947 \u0905\u0927\u093f\u0915\u093e\u0930 \u092c\u0928\u093e\u092e \u0915\u093e\u0928\u0942\u0928\u0940 \u0909\u0924\u094d\u0924\u0930\u093e\u0927\u093f\u0915\u093e\u0930\u0940 \u0915\u0947 \u0905\u0927\u093f\u0915\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u0938\u094d\u092a\u0937\u094d\u091f\u0924\u093e \u0915\u0940 \u0915\u092e\u0940\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u092e\u091c\u094b\u0930 \u0915\u0949\u0930\u092a\u094b\u0930\u0947\u091f \u092c\u0949\u0928\u094d\u0921 \u092c\u093e\u091c\u093e\u0930<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>\u0928\u0940\u0924\u093f\u0917\u0924 \u0918\u094b\u0937\u0923\u093e\u0913\u0902 \u0915\u0947 \u092c\u093e\u0935\u091c\u0942\u0926<\/strong>, \u092d\u093e\u0930\u0924 \u0915\u093e <strong>\u0915\u0949\u0930\u092a\u094b\u0930\u0947\u091f \u092c\u0949\u0928\u094d\u0921 \u092c\u093e\u091c\u093e\u0930 \u0915\u092e\u091c\u094b\u0930, \u0924\u0930\u0932\u0924\u093e-\u0935\u093f\u0939\u0940\u0928 \u0914\u0930 \u0905\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940<\/strong> \u092c\u0928\u093e \u0939\u0941\u0906 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938\u0938\u0947 <strong>\u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0915\u0940 \u092a\u0942\u0901\u091c\u0940 \u0932\u093e\u0917\u0924 2-3% \u0924\u0915 \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948<\/strong>, \u091c\u093f\u0938\u0938\u0947 <strong>\u0914\u0926\u094d\u092f\u094b\u0917\u093f\u0915 \u0935\u093f\u0915\u093e\u0938 \u0914\u0930 \u0930\u094b\u091c\u0917\u093e\u0930 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0939\u094b\u0924\u093e \u0939\u0948<\/strong>\u0964<\/li>\n\n\n\n<li><strong>RBI \u0928\u0947 NSE \u0915\u094b \u0926\u094d\u0935\u093f\u0924\u0940\u092f\u0915 \u092c\u0949\u0928\u094d\u0921 \u092c\u093e\u091c\u093e\u0930 \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u093e \u0928\u093f\u0930\u094d\u0926\u0947\u0936 \u0926\u093f\u092f\u093e \u0925\u093e<\/strong>, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0947 <strong>\u0905\u0928\u0926\u0947\u0916\u093e \u0915\u093f\u092f\u093e \u0917\u092f\u093e<\/strong>, \u0938\u0902\u092d\u0935\u0924\u0903 <strong>\u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0932\u093e\u092d \u0915\u0947 \u0915\u093e\u0930\u0923<\/strong>\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u092e\u091c\u094b\u0930 \u0905\u0902\u0924\u093f\u092e \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 (UBO) \u0922\u093e\u0901\u091a\u093e<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924 FATF \u0915\u093e \u0938\u0926\u0938\u094d\u092f \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 UBO \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0915\u092e\u091c\u094b\u0930 \u092c\u0928\u0940 \u0939\u0941\u0908 \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0936\u0948\u0921\u094b \u092c\u0948\u0902\u0915\u093f\u0902\u0917 (Shadow Banking)<\/strong>:\n<ul class=\"wp-block-list\">\n<li>NBFCs, \u092e\u0927\u094d\u092f\u0938\u094d\u0925 \u0914\u0930 \u092e\u093e\u0930\u094d\u091c\u093f\u0928 \u090b\u0923\u0926\u093e\u0924\u093e \u092c\u093f\u0928\u093e \u092a\u0942\u0930\u094d\u0923 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0915\u0947 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u093e \u0905\u0928\u0941\u0915\u0930\u0923 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0935\u0947 <strong>20% \u0938\u0947 \u0905\u0927\u093f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u0930 \u092e\u093e\u0930\u094d\u091c\u093f\u0928 \u092b\u0902\u0921\u093f\u0902\u0917<\/strong> \u0915\u0940 \u092a\u0947\u0936\u0915\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0947 <strong>\u0915\u0908 \u0909\u0927\u093e\u0930\u0915\u0930\u094d\u0924\u093e \u0938\u094d\u092a\u0937\u094d\u091f \u0930\u0942\u092a \u0938\u0947 \u0928\u0939\u0940\u0902 \u0938\u092e\u091d\u0924\u0947<\/strong>\u0964<\/li>\n\n\n\n<li><strong>RBI \u0928\u0947 2022 \u092e\u0947\u0902 \u092a\u0948\u092e\u093e\u0928\u0947-\u0906\u0927\u093e\u0930\u093f\u0924 \u0935\u093f\u0928\u093f\u092f\u092e\u0928<\/strong> \u0932\u093e\u0917\u0942 \u0915\u093f\u092f\u093e, \u0932\u0947\u0915\u093f\u0928 <strong>\u0921\u0947\u091f\u093e \u0938\u0902\u0917\u094d\u0930\u0939 \u0914\u0930 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0915\u092e\u091c\u094b\u0930 \u092c\u0928\u0940 \u0939\u0941\u0908 \u0939\u0948<\/strong>\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0916\u0902\u0921\u093f\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0938\u0902\u0930\u0915\u094d\u0937\u0923<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0905\u092e\u0947\u0930\u093f\u0915\u093e \u0915\u0947 &#8220;\u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u092c\u094d\u092f\u0942\u0930\u094b (CFPB)&#8221; \u0915\u0940 \u0924\u0930\u0939 \u0915\u094b\u0908 \u090f\u0915\u0940\u0915\u0943\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923 \u0928\u0939\u0940\u0902\u0964<\/li>\n\n\n\n<li>\u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902\/\u092c\u091a\u0924\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b SEBI, RBI, IRDAI, PFRDA \u0915\u0947 \u092c\u0940\u091a \u0936\u093f\u0915\u093e\u092f\u0924 \u0928\u093f\u0935\u093e\u0930\u0923 \u092e\u0947\u0902 \u0915\u0920\u093f\u0928\u093e\u0907\u092f\u094b\u0902 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928 \u0914\u0930 \u0938\u093e\u0907\u092c\u0930 \u091c\u094b\u0916\u093f\u092e<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>UPI \u0928\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u093f\u0924\u094d\u0924 \u092e\u0947\u0902 \u0915\u094d\u0930\u093e\u0902\u0924\u093f \u0932\u093e \u0926\u0940<\/strong>, \u0932\u0947\u0915\u093f\u0928 <strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u092d\u0940 \u092c\u0922\u093c\u0940<\/strong>\u0964<\/li>\n\n\n\n<li><strong>RBI \u0928\u0947 FY23 \u092e\u0947\u0902 13,530 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u092e\u093e\u092e\u0932\u094b\u0902 \u0915\u0940 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0940<\/strong>, \u091c\u093f\u0938\u092e\u0947\u0902 <strong>\u20b930,252 \u0915\u0930\u094b\u0921\u093c \u0936\u093e\u092e\u093f\u0932 \u0925\u0947<\/strong>\u0964<\/li>\n\n\n\n<li>\u0915\u0908 \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0928\u093f\u0935\u0947\u0936\u0915 \u0905\u092d\u0940 \u092d\u0940 \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921, \u092c\u0949\u0928\u094d\u0921 \u0914\u0930 \u092c\u0940\u092e\u093e \u0938\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a \u0938\u0947 \u0935\u0902\u091a\u093f\u0924 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0938\u0930\u0915\u093e\u0930\u0940 \u092a\u0939\u0932 \u0914\u0930 \u0938\u0941\u0927\u093e\u0930<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0941\u0927\u093e\u0930<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>EASE 2.0 \u0914\u0930 EASE 3.0 (Enhanced Access and Service Excellence)<\/strong> \u091c\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930 <strong>\u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u092e\u0947\u0902 \u092a\u0930\u093f\u091a\u093e\u0932\u0928 \u0926\u0915\u094d\u0937\u0924\u093e, \u090b\u0923 \u0935\u093f\u0924\u0930\u0923 \u0914\u0930 \u0917\u094d\u0930\u093e\u0939\u0915 \u0938\u0947\u0935\u093e<\/strong> \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0932\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u093e\u0930\u0902\u092d \u0915\u093f\u090f \u0917\u090f\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u0949\u0930\u092a\u094b\u0930\u0947\u091f \u092c\u0949\u0928\u094d\u0921<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>\u092c\u0948\u0902\u0915 \u090b\u0923 \u092a\u0930 \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0914\u0930 \u090b\u0923 \u092c\u093e\u091c\u093e\u0930 \u0915\u094b \u0917\u0939\u0930\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f<\/strong>, \u0938\u0930\u0915\u093e\u0930 \u0928\u0947 <strong>SIDBI \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 &#8220;\u090b\u0923 \u0938\u0902\u0935\u0930\u094d\u0927\u0928 \u092f\u094b\u091c\u0928\u093e&#8221; \u0932\u0949\u0928\u094d\u091a \u0915\u0940<\/strong>, \u091c\u093f\u0938\u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f <strong>\u0915\u092e \u0930\u0947\u091f\u093f\u0902\u0917 \u0935\u093e\u0932\u0947 \u092c\u0949\u0928\u094d\u0921\u094d\u0938 \u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u0947\u091f\u093f\u0902\u0917 \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0915\u0930 \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u094b \u0906\u0915\u0930\u094d\u0937\u093f\u0924 \u0915\u0930\u0928\u093e<\/strong> \u0939\u0948\u0964<\/li>\n\n\n\n<li>BSE Bond \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0915\u094b \u0911\u0928\u0932\u093e\u0907\u0928 \u092c\u0949\u0928\u094d\u0921 \u091c\u093e\u0930\u0940 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0938\u0941\u0935\u093f\u0927\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u0925\u093e\u092a\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<\/li>\n\n\n\n<li>SEBI \u0928\u0947 \u0928\u093f\u092f\u092e \u0932\u093e\u0917\u0942 \u0915\u093f\u090f \u0915\u093f \u092c\u0921\u093c\u0947 \u0915\u0949\u0930\u092a\u094b\u0930\u0947\u091f\u094d\u0938 \u0915\u094b \u0915\u092e \u0938\u0947 \u0915\u092e 25% \u0909\u0927\u093e\u0930\u0940 \u092c\u0949\u0928\u094d\u0921\u094d\u0938 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0932\u0947\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092a\u0947\u0902\u0936\u0928 \u0935\u093f\u0924\u094d\u0924<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 (NPS), \u0905\u091f\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (APY) \u0914\u0930 PFRDA \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935\u093f\u0924 \u092a\u0947\u0902\u0936\u0928 \u0938\u0941\u0927\u093e\u0930\u0964<\/li>\n\n\n\n<li>PFRDA \u0935\u093f\u0924\u094d\u0924 \u092e\u0902\u0924\u094d\u0930\u093e\u0932\u092f \u0915\u0947 \u0905\u0927\u093f\u0915\u093e\u0930 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u0906\u0928\u0947 \u0935\u093e\u0932\u093e \u090f\u0915 \u0935\u0948\u0927\u093e\u0928\u093f\u0915 \u0928\u093f\u092f\u093e\u092e\u0915 \u0928\u093f\u0915\u093e\u092f \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0928\u093e\u092e\u093e\u0902\u0915\u0928<\/strong>:\n<ul class=\"wp-block-list\">\n<li>SEBI \u0928\u0947 2024 \u092e\u0947\u0902 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0928\u093e\u092e\u093e\u0902\u0915\u0928 \u092f\u093e \u0911\u092a\u094d\u091f-\u0906\u0909\u091f \u0918\u094b\u0937\u0923\u093e \u0915\u093e \u092a\u0930\u093f\u092a\u0924\u094d\u0930 \u091c\u093e\u0930\u0940 \u0915\u093f\u092f\u093e \u0924\u093e\u0915\u093f \u0921\u093f\u092e\u0948\u091f \u0914\u0930 \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u0916\u093e\u0924\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0940 \u091c\u093e \u0938\u0915\u0947\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0936\u0948\u0921\u094b \u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/strong>:\n<ul class=\"wp-block-list\">\n<li>RBI \u0928\u0947 NBFCs \u0915\u0947 \u0932\u093f\u090f 2022 \u092e\u0947\u0902 \u092a\u0948\u092e\u093e\u0928\u0947-\u0906\u0927\u093e\u0930\u093f\u0924 \u0928\u093f\u092f\u093e\u092e\u0915 \u0922\u093e\u0901\u091a\u093e \u0932\u093e\u0917\u0942 \u0915\u093f\u092f\u093e\u0964<\/li>\n\n\n\n<li>\u0909\u091a\u094d\u091a-\u091c\u094b\u0916\u093f\u092e \u0935\u093e\u0932\u0940 NBFCs \u092a\u0930 \u0915\u0921\u093c\u0940 \u0915\u093e\u0930\u094d\u0930\u0935\u093e\u0908 \u0915\u0940 \u0917\u0908\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0906\u0917\u0947 \u0915\u0940 \u0930\u093e\u0939<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BFSI \u092e\u0947\u0902 \u0928\u093e\u092e\u093e\u0902\u0915\u0928 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u094b \u090f\u0915\u0940\u0915\u0943\u0924 \u0915\u0930\u0928\u093e<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0938\u092d\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u092a\u0915\u0930\u0923\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u092e\u093e\u0928 \u0928\u093e\u092e\u093e\u0902\u0915\u0928 \u0915\u093e\u0928\u0942\u0928\u0964<\/li>\n\n\n\n<li>\u0915\u093e\u0928\u0942\u0928 \u092e\u0947\u0902 \u0938\u094d\u092a\u0937\u094d\u091f \u0935\u093f\u092d\u093e\u091c\u0928 \u0915\u093f &#8220;\u0928\u093e\u092e\u093e\u0902\u0915\u093f\u0924 \u0935\u094d\u092f\u0915\u094d\u0924\u093f&#8221; \u090f\u0915 \u091f\u094d\u0930\u0938\u094d\u091f\u0940 \u0939\u0948, \u091c\u092c\u0915\u093f &#8220;\u0915\u093e\u0928\u0942\u0928\u0940 \u0909\u0924\u094d\u0924\u0930\u093e\u0927\u093f\u0915\u093e\u0930\u0940&#8221; \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0932\u093e\u092d\u093e\u0930\u094d\u0925\u0940\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092c\u0949\u0928\u094d\u0921 \u092c\u093e\u091c\u093e\u0930 \u0915\u094b \u0917\u0939\u0930\u093e \u0915\u0930\u0928\u093e<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0915\u0949\u0930\u092a\u094b\u0930\u0947\u091f\u094d\u0938 \u0915\u094b \u092c\u0949\u0928\u094d\u0921 \u091c\u093e\u0930\u0940 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u094b\u0924\u094d\u0938\u093e\u0939\u093f\u0924 \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li>\u092e\u093e\u0930\u094d\u0915\u0947\u091f-\u092e\u0947\u0915\u0930\u094d\u0938 \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u0930\u0947\u0902 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0930\u0947\u091f\u093f\u0902\u0917 \u0915\u0940 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u092c\u0922\u093c\u093e\u0928\u093e\u0964<\/li>\n\n\n\n<li>RBI\/NSE\/BSE \u0915\u0947 \u0938\u0939\u092f\u094b\u0917 \u0938\u0947 \u0916\u0941\u0926\u0930\u093e \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0905\u0928\u0941\u0915\u0942\u0932 \u092c\u0949\u0928\u094d\u0921 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u0930\u0928\u093e\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>UBO \u092a\u094d\u0930\u0915\u091f\u0940\u0915\u0930\u0923 \u0914\u0930 FATF \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u0930\u0928\u093e<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u0938\u0902\u0935\u0947\u0926\u0928\u0936\u0940\u0932 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 UBO \u092a\u094d\u0930\u0915\u091f\u0940\u0915\u0930\u0923 \u0915\u0940 \u0938\u0940\u092e\u093e 5% \u092f\u093e \u092f\u0939\u093e\u0901 \u0924\u0915 \u0915\u093f 1% \u0924\u0915 \u0915\u092e \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li>\u0917\u0948\u0930-\u092a\u094d\u0930\u0915\u091f\u0940\u0915\u0930\u0923 \u0914\u0930 \u0935\u093f\u0932\u0902\u092c\u093f\u0924 \u0930\u093f\u092a\u094b\u0930\u094d\u091f\u093f\u0902\u0917 \u0915\u0947 \u0932\u093f\u090f \u0938\u0916\u094d\u0924 \u0926\u0902\u0921 \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u093e\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u092e \u0932\u093e\u0917\u0924 \u0935\u093e\u0932\u0947 \u092a\u0947\u0902\u0936\u0928 \u0909\u0924\u094d\u092a\u093e\u0926 \u0938\u0915\u094d\u0937\u092e \u0915\u0930\u0928\u093e<\/strong>:\n<ul class=\"wp-block-list\">\n<li>30+ \u0935\u0930\u094d\u0937\u094b\u0902 \u0915\u0947 \u0936\u0942\u0928\u094d\u092f-\u0915\u0942\u092a\u0928 \u0938\u0930\u0915\u093e\u0930\u0940 \u092c\u0949\u0928\u094d\u0921 \u0911\u0928\u0932\u093e\u0907\u0928 \u091a\u0948\u0928\u0932\u094b\u0902 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u091c\u093e\u0930\u0940 \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li>NPS \u0915\u094b UPI-\u0906\u0927\u093e\u0930\u093f\u0924 \u0911\u091f\u094b-\u0921\u0947\u092c\u093f\u091f \u0938\u093f\u0938\u094d\u091f\u092e \u0915\u0947 \u0938\u093e\u0925 \u090f\u0915\u0940\u0915\u0943\u0924 \u0915\u0930\u0928\u093e \u0924\u093e\u0915\u093f \u0905\u0928\u094c\u092a\u091a\u093e\u0930\u093f\u0915 \u0936\u094d\u0930\u092e\u093f\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u0941\u0935\u093f\u0927\u093e \u0939\u094b\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u091b\u093e\u092f\u093e \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0947\u0902<\/strong>:\n<ul class=\"wp-block-list\">\n<li>\u092e\u093e\u0930\u094d\u091c\u093f\u0928 \u0932\u0947\u0902\u0921\u093f\u0902\u0917 \u0914\u0930 NBFC \u0932\u0947\u0928-\u0926\u0947\u0928 \u092a\u0930 \u0935\u094d\u092f\u093e\u092a\u0915 \u0921\u0947\u091f\u093e \u0938\u0902\u0917\u094d\u0930\u0939 \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li>NBFC \u090b\u0923 \u0915\u094b RBI \u0915\u0947 &#8220;CRILC&#8221; (\u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u0942\u091a\u0928\u093e \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e) \u0921\u0947\u091f\u093e\u092c\u0947\u0938 \u092e\u0947\u0902 \u090f\u0915\u0940\u0915\u0943\u0924 \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0926\u0932\u093e\u0932\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091c\u094b\u0916\u093f\u092e-\u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u0942\u0901\u091c\u0940 \u092e\u093e\u0928\u0926\u0902\u0921 \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u093e<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-background\" style=\"background-color:#fff2cc\"><tbody><tr><td><strong>\u0926\u0948\u0928\u093f\u0915 \u092e\u0941\u0916\u094d\u092f \u092a\u0930\u0940\u0915\u094d\u0937\u093e \u0905\u092d\u094d\u092f\u093e\u0938 \u092a\u094d\u0930\u0936\u094d\u0928<\/strong><br><strong>[\u092a\u094d\u0930\u0936\u094d\u0928] <\/strong>\u092d\u093e\u0930\u0924 \u0915\u0947 \u0905\u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u092c\u0949\u0928\u094d\u0921 \u092c\u093e\u091c\u093e\u0930 \u0914\u0930 \u0905\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u0905\u0902\u0924\u093f\u092e \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 (UBO) \u092e\u093e\u0928\u0926\u0902\u0921\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0909\u0924\u094d\u092a\u0928\u094d\u0928 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u094b\u0902 \u0915\u0940 \u091c\u093e\u0901\u091a \u0915\u0940\u091c\u093f\u090f\u0964<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Source: TH<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.nextias.com\/ca\/wp-content\/uploads\/2025\/05\/UPSC-Editorial-Analysis-29-may-2025-Hindi-PDF.pdf\">Download PDF<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u092d\u093e\u0930\u0924 \u0915\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u092c\u0948\u0902\u0915\u093f\u0902\u0917, \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0947\u0935\u093e\u090f\u0902 \u0914\u0930 \u092c\u0940\u092e\u093e (BFSI) \u0915\u094d\u0937\u0947\u0924\u094d\u0930, \u090f\u0915 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093f\u0902\u0926\u0941 \u092a\u0930 \u0916\u0921\u093c\u093e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0901\u0915\u093f \u0938\u0941\u0927\u093e\u0930 \u091c\u093e\u0930\u0940 \u0939\u0948\u0902, \u092b\u093f\u0930 \u092d\u0940 \u0915\u0941\u091b \u0938\u0902\u0930\u091a\u0928\u093e\u0924\u094d\u092e\u0915 \u0938\u092e\u0938\u094d\u092f\u093e\u090f\u0901 \u092c\u0928\u0940 \u0939\u0941\u0908 \u0939\u0948\u0902 \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0920\u0940\u0915 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1860],"tags":[],"class_list":["post-44395","post","type-post","status-publish","format-standard","hentry","category-editorial-analysis-hindi"],"acf":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/posts\/44395","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/comments?post=44395"}],"version-history":[{"count":4,"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/posts\/44395\/revisions"}],"predecessor-version":[{"id":44628,"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/posts\/44395\/revisions\/44628"}],"wp:attachment":[{"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/media?parent=44395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/categories?post=44395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nextias.com\/ca\/wp-json\/wp\/v2\/tags?post=44395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}