Kya Loan ke Saath Bank ka Insurance Lena Zaroori Hai? IRDAI Draft 2026
Loan ke saath insurance lena zaroori hai ya nahi, yeh sawaal har us dukandar ke mann mein aata hai jo bank se CC limit, business loan ya Mudra loan leta hai. Loan file sign karte waqt aksar bank wale kehte hain, "Sir, yeh policy bhi saath mein le lijiye, compulsory hai." Kai baar premium seedha loan amount se kaat liya jata hai aur dukandar ko pata bhi nahi chalta ki usne kaunsi policy, kis company se, kitne mein li. Isi samasya par insurance regulator IRDAI ne September 2026 mein ek bada draft proposal rakha hai. Is article mein hum aasaan bhasha mein samjhenge ki draft kya kehta hai, bank aaj kya maang sakta hai, aur dukandar apni pasand ki policy kaise de sakta hai.
Sabse zaroori baat pehle: IRDAI wala proposal abhi sirf draft (consultation paper) hai, final rule nahi. Isme badlav ho...