UPI Par 0.4% Charge… Aur Ashneer Grover Ne Khola ₹22,000 Crore Ka Hisaab!

Описание: 15 October 2026 se eligible ₹2,000 se upar ke UPI merchant payments par 0.4% MDR lagega, jo ₹300 per transaction tak capped hai. Person-to-person UPI transfers free rahenge, aur customers se directly ye charge recover karne ki permission nahi hai.

Isi announcement ke beech Ashneer Grover ne Subhash Chandra ke personal insolvency case ka reference dekar sawaal uthaya — jab creditors ke saamne ₹22,006 crore se zyada admitted claims hain aur repayment plan mein ₹6.25 crore ka amount tha, toh UPI ecosystem ke costs ke liye merchant payments par MDR kyun?

Lekin yahan ek important distinction hai: ₹22,006 crore Subhash Chandra ka personal loan nahi tha. Ye unki personal guarantees se linked admitted claims ka figure tha. ₹6.25 crore repayment plan ko NCLT ne initially approve kiya, lekin baad mein five-member bench ne us approval ko stay karke matter ko fresh hearing ke liye rakh diya.

Simple comparison se ₹6.25 crore vs ₹22,006.57 crore ka gap roughly 99.97% banta hai, lekin ise “₹22,000 crore government ne maaf kar diye” kehna sahi nahi hoga.

Aur yahi asli debate hai:

UPI jaise digital public infrastructure ko maintain, secure aur scale karne ka cost kaun bear kare — merchants, payment ecosystem ya taxpayers?

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