7.24 lakh Crore Government Borrowing | Kyun aur kya hai Govt. Borrowings?
Aap ke saamne abhi sabse bada sawaal ye hai ke aaj ketopic se aapko ko kya fayda hai? Kya help hoga aapke investment me Govt. bonds ke baare me jaankar? Government Bonds ek bahut accha aur safest investment instrument hai. Kyun ki iske saath sarkar na naam juda hai aur uski gurantee bhi, matlab desh ka parliamentary system jab tak theek hai, tab tak in bonds ko aap aankh band karke bharosa kar sakte hain.
JO sawaal aapko puchne chahiye is news ke baad wo ye hain-
1. Kya sarkar ka borrowing pichle saalon se zyada hain?
2. Returns kitne milenge?
3. Locking period kitna rahega?
4. Kya Baad me risk factor badh jayegapandemic ke wajah se?
5. Kahin ye GOvt. ka last resort to nahi market se paisa uthaneka?
6. Apni economy really kis halat me hain?
In sab sawalon ka jawab aapko milega aaj ke video me, ek ek karke sab answers dunga main, lekin pehle aap channel ko subscribe kijiye, aur bell icon ko dabaiye, kyun ki bina bell icon dabaye aapko koi notification nahi aayega, to subscribe karne ka bhi koi matlab nahin rahega.
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Kya Borrowing pehle se zyada hai?
Ek bar pehle pichle 5 saal ka borrowing figures dekh lete hain
Isme last ka coloumn sirf aadhe saal ka hai - matlab April se Lekar September. Aur aap dekhenge ki ye number lagbhga pichle saal ke borrowing figure ke paas pahuch gaya hai, aur FY18 and FY19 ke figure se to bahut hi aage hai. Kya isme koi tension ki baat hai? Analysts ka kenga ye hai ki iske positives and negatives donno hai.
Iska positive ye hai ki Government borrowing badhega matlab Government bonds ka yield badhega, jo public ko zyada returns degi. Lekin yield zyada hoga to sarkar ko interest ke hsiab se paisa aur dena padega, jo negative point hai. Matlab jitna zyada borrowing utna zyada interest aur wapas wo paisa dene ke liye aur borrowing. Ye cycle me chalta hai aur ye cycle tab tak chalti hai Jab tak desh ki economical foundation strong ho.
Returns kitne nilenge?
FY 20 me sarkar ne 13.7 lakh crore borrow kiye the, jiska average payout rate tha 5.79%, lowest in 15 years. Average maturity timeline tha 14.49 years. Is saal bhi isi ke aas paas ka borrowing target rakhha gaya hai, isliye we can hope ki interest rate bhi itna hi hoga. Ab ek bar Govt ka borrowing calendar dekh lete hain
Details of the planned borrowings, released by the RBI, shows the government will borrow between Rs 26,000 crore and Rs 32,000 crore each week.
Rs 36,000 crore will be borrowed via 2-year bonds
Rs 1.43 lakh crore will be borrowed via 5-year bonds
Rs 1.68 lakh crore will be borrowed via 10-year bonds
Rs 1.3 lakh crore will be borrowed via 14-year bonds
Rs 91,000 crore will be borrowed via 30-year bonds,
Rs 1.08 lakh crore will be borrowed via 40-year bonds
Rs 49,000 crore will be borrowed via floating rate bonds
Investors ke liye itne saare options hai invest karne ke liye, safest GOvernment bonds me, agar aapka risk appetite, yaani risk uthake blood pressure kam karke shanti se sone ki aadat nahi hai, to ghus jaiye in bonds me aur araam se invest kijiye.
Kya Pandemic ke wajah se borrowing badha hai?
Pandemic se kya kya hua hai?
1. Manufacturing achanak band ho gaya tha jo abhi ful power me aane me aur 4-5 mahina lagega
2. Spending capacity of common people khatam ho gaya tha
3. Demand kam hua tha luxury goods, recreational electronics items, cars aur real estate ki
4. Finanicial institutions ka debt bad gaya tha, NPA bada hai loan moratorium ke wajah se
5. In sab ke wajah se Govt. k milne wala tax ka paisa kam hua hai, kyun ki business band ho jayenge ko GST bharega kaun?
Iisliye sarkar ne khud 2021 me 1st half me zyada paisa borrow kiya hai, taaki ekbar demand supply ka equation balance ho jaye to fir baaki kaam apne aap ho jayega. Pandemic agar fir se shuru ho gaya, to kya hoga ye kehna mushkil hai, lekin jaise maine kaha ki jab tak desh ka parliamentary system sahi hai, tab tak Government bonds low risk investment instrument ke hisaab se ek bahut sahi option ho sakta hain.