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​UPI ला फंड ट्रान्सफर करण्यासाठी IMPS समान शुल्क द्यावे लागणार

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डिस्कशन पेपर ऑन चार्ज इन पेमेंट सिस्टम टाइटल वरून आरबीआयचा नवीन प्रस्ताव सांगतो की, केंद्रीय बँक यूपीआय पद्धतीचा वापर करून पैशाच्या देवाण घेवाणसाठी शुल्क आकारायचा विचार केला जात आहे. याचा उद्देश यूपीआयची गुंतवणूक आणि संचालनासाठी लागणारा पैसा वसूल करण्याची शक्यता आहे. आरबीआयने नोट केले की UPI चा उपयोग करून फंड ट्रांसफर IMPS (तत्काल पेमेंट सेवा) प्रमाणे UPI ला फंड ट्रांसफरसाठी IMPS सारखे शुल्क द्यावे लागेल.

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आरबीआयने आपल्या प्रस्तावात काय सल्ला दिला

आरबीआयने सल्ला दिला आहे की, यूपीआय पेमेंटवर वेगवेगळे रक्कम ब्रेकेटच्या आधारावर एक टियर चार्ज लावला जावू शकतो. केंद्रीय बँकेच्यानुसार, यूपीआय एक फंड ट्रान्सफर सिस्टम आहे. जे फंडच्या रियल टाइम मूव्हमेंटला सक्षम बनवते. एक मर्चंट पेमेंट सिस्टम रूपाने हे कार्डसाठी टी प्लस एक चक्राव्यतिरिक्त, रिटल टाइम मध्ये फंड सेटलमेंटची सुविधा देते.

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​फ्री सेवेचे महत्व नाहीः आरबीआय

दुसऱ्या शब्दात सांगायचे झाल्यास बँकाला पर्याय सिस्टम स्थापित करण्याची आवश्यकता आहे. त्यामुळे बँकेची सर्व गुंतवणूक आणि संसाधनांचा वापर केला जातो. ज्यात अतिरिक्त रक्कम मिळते. आरबीआय ही रक्क ग्राहकांकडून वसूल करू पाहत आहे. आरबीआयने म्हटले की, पेमेंट सिस्टमसह कोणत्याही आर्थिक गतिविधीत फ्री सेवा देणे हे औचित्याला धरून होत नाही. जोपर्यंत राष्ट्राच्या कल्याणासाठी चांगली व्यवस्था असत नाही.

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डेबिट कार्डवरही शुल्क हवे आरबीआयला

आरबीआय पेपरच्या माध्यमातून जाणून घेण्यासाठी अप्रत्यक्ष संकेत देत आहे की, हा महत्त्वपूर्ण मुद्दा आहे. पेपर पूर्ण पेमेंट सिस्टमची स्थापनेवर खर्च केलेला पैसा वसूल करण्यासाठी डेबिट कार्डच्या देवाण घेवाणीवर सुद्धा एक निश्चित शुल्क घ्यायला हवे, असे आरबीआयचे म्हणणे आहे.

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