Paytm Payments Bank নিষিদ্ধ করল RBI ! মার্কেটে চলছে বিভ্রান্তি

একটি স্টক তার Recent High থেকে 60% এর বেশি ক্র্যাশ করেছে এবং মার্কেটে কোম্পানিটিকে  নিয়ে বিভিন্ন গুঞ্জন শুরু হয়েছে । হ্যাঁ, আপনি ঠিকই অনুমান করেছেন, আমরা PAYTM এর কথা বলছি।

29 ফেব্রুয়ারি থেকে Paytm Payments Bank আর New User -দের গ্রহণ করতে সক্ষম হবে না, এমনকি Existing Users-রাও এই তারিখের পরে Paytm Wallets, Fastags, এবং Mobility Cards  ব্যবহার করতে পারবেন না। নিষেধাজ্ঞাটি অন্যান্য ব্যাঙ্কিং পরিষেবাগুলিতে Funds Transfer, UPI, এবং Immediate Payment Services এর ক্ষেত্রে Extend করা হয়েছে। তবে টাকা Withdrawals Facility অব্যাহত থাকবে।

এই ঘোষণার পর, Paytm Payments Bank Limited (PPBL) যা One97 Communications Limited (OCL) এর সাথে যুক্ত, সম্প্রতি একটি বড় ধাক্কার সম্মুখীন হয়েছে, মাত্র 3 দিনে এর স্টক প্রায় 42% Fall করেছে!

কেন Paytm এর Share Fall করেছে? কেন পেটিএম পেমেন্টস ব্যাঙ্ককে নিষিদ্ধ ঘোষণা করল আরবিআই ?  পেটিএম পরিষেবা কী বন্ধ  হতে চলেছে ? Paytm নিয়ে বাজারে যে গুজব চলছে তা কি সত্যি?

সংক্ষেপে জানতে আমাদের আজকের ব্লগটি পড়ুন।

RBI এর Directive :

Non-compliance এবং Material Supervisory এর কারণে RBI ,Paytm-কে সব ধরনের ব্যাঙ্কিং পরিষেবা দেওয়া থেকে নিষিদ্ধ করেছে। Paytm Payments Bank, 29 ফেব্রুয়ারি থেকে আর নতুন ব্যবহারকারীদের গ্রহণ করতে পারবে না, এমনকি Existing User রাও এই তারিখের পরে Paytm Wallets, Fastags,এবং Mobility Cards ব্যবহার করতে পারবেন না, তবে টাকা Withdrawals Facility অব্যাহত থাকবে।

PAYTM বারবার RBI-এর Guidelines Violate করেছে:
এই প্রথমবার নয় যে Paytm, Regulatory Guidelines লঙ্ঘন করেছে।
  •  জুন 2018-এ, RBI এর একটি অডিট এ KYC প্রক্রিয়া সংক্রান্ত সমস্যার কারণে Paytm Payments Bank কে নতুন গ্রাহকদের অনবোর্ড করতে নিষেধ করেছিল।
  • এছাড়াও, 2021 সালের অক্টোবর মাসে RBI 1 কোটি টাকা জরিমানাও করেছিল।
  • 2023 সালের অক্টোবর মাসে licensing Guidelines এবং সাইবার Security ব্যবস্থার সাথে Misrepresentation And Non-compliance এর জন্য 5 কোটি টাকার জরিমানা করা হয়েছিল।
  • 2022 সালের মার্চ মাসে, ক্রমাগত Non-compliance Issues -র কারণে ব্যাঙ্ককে অবিলম্বে অন-বোর্ডিং বন্ধ করার নির্দেশ দেওয়া হয়েছিল।
  • 2023 সালের নভেম্বরে, RBI, ব্যাঙ্ক এবং NBFC গুলিকে ভোক্তা ঋণের ঝুঁকি 25% পয়েন্ট বাড়িয়ে 125% করার নির্দেশ দেয়। ফলস্বরূপ, Paytm-কে তার ‘Buy Now, Pay Later’ পরিষেবাগুলি বন্ধ করতে হয়েছিল এবং 50,000 টাকার নিচে তার লোনের এক্সপোজার কমাতে হয়েছিল।
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বিখ্যাত ইনভেস্টমেন্ট হাউসের সাম্প্রতিক Activities:

Paytm এর Inconsistent Cash Flow এবং Loss-making প্রকৃতির কারণে ইতিমধ্যেই অনেক বিনিয়োগকারীদের খারাপ নজরে ছিল।

  • Paytm এর Inconsistent Cash Flow এবং Loss-making প্রকৃতির কারণে ইতিমধ্যেই অনেক বিনিয়োগকারীদের খারাপ নজরে ছিল।

NSE ডেটা অনুসারে, Warren Buffet এর মালিকানাধীন Berkshire Hathaway এর BH International Holdings সম্প্রতি 600 কোটি টাকার Loss নিয়ে Paytm থেকে Exit করেছে। BH International Holdings 24 নভেম্বর একটি বড় Block Deal এ ₹877.29 এর Average Stock Price এ প্রায় 1,370 কোটি টাকা মূল্যের 1.56 কোটি শেয়ার বিক্রি করেছে।

এই সম্পর্কে INVESMATE সম্প্রতি একটি Short Video প্রকাশ করেছে :

  • শেয়ার দর Fall করার পরে অতি সম্প্রতি Paytm-এ সাম্প্রতিক কিছু Bullish Activity ও পরিলক্ষিত হয়েছে।

    NSE ডেটা অনুসারে, Morgan Stanley Asia (Singapore) PTE 2রা ফেব্রুয়ারি, 2024-এ একটি Bulk Deal এর মাধ্যমে 487.20 টাকা মূল্যে Paytm-এর 0.79% শেয়ার কিনেছে।

paytm rbi payments bank app
বাস্তব ঘটনা ও গুজব:

একটি সুপরিচিত মিডিয়ার প্রতিবেদনে বলা হয়েছে যে JFSL ও HDFC Bank, Paytm এর Wallet Business কেনার জন্য এগিয়ে রয়েছে। Jio Financial Services Ltd (JFSL) সোমবার এই খবর অস্বীকার করেছে। একটি Regulatory Filing এ সংস্থাটি বলেছে যে, “আমরা স্পষ্ট করে জানাচ্ছি যে, সংবাদটি অনুমানমূলক, এবং আমরা এই বিষয়ে কোনও আলোচনাই করিনি ৷ Paytm আরও স্পষ্ট করেছে যে খবরটি “অনুমানমূলক, ভিত্তিহীন এবং বাস্তবসম্মতভাবে ভুল” বিনিয়োগকারীরা যারা IPO তে Paytm এর শেয়ার কিনেছেন তারা প্রায় 77% Loss এর  সম্মুখীন হয়ে রয়েছেন।

VIJAY SHEKHAR, Managing Director, PAYTM
  • Company -র Marketing এবং Financial Services Business গুলি RBI Directions এর কারণে Affected হয়নি।
  • কিছু Operational Change এর প্রয়োজনীয় শুরু হয়েছে।
  • আমরা বিশ্বাস করি যে অন্যান্য Bank এর সাথে Partnership এর মাধ্যমে আগামী কিছু দিন/কোয়ার্টারের মধ্যে এটি সম্পূর্ণ করতে সক্ষম হব।
paytm payments bank and rbi ban
INVESMATE ইতিমধ্যেই “PAYTM” এর Business Analysis করে একটি ভিডিও তৈরি করেছে, আপনি এই লিঙ্কের মাধ্যমে ভিডিওটি দেখতে পারেন

Paytm সম্পর্কে আপনার  কি ধারণা? নীচে কমেন্ট করে আমাদের অবশ্যই জানান ।

Arunava Chatterjee
Founder of INVESMATE. I am a Certified Research Analyst, Value & Growth Investor, Trainer and Tech Entrepreneur. With 15 years of capital market experience, I have trained 10000+ students on INVESMATE. I have created several YouTube videos, mostly related to in-depth fundamental analysis.



8 Comments

  1. Avatar photoSupantha Dangar Reply

    খুব ভালো লাগলো পড়ে। Patta ধারাবাহিক ভাবে নীতি লঙ্ঘণ করেছে। তার ফল ভুগছে।

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