RBI Just Cancelled Paytm Bank — Your Money, Explained

Описание: On April 24, 2026, RBI cancelled Paytm Payments Bank's banking licence —
the first forced cancellation of a payments bank licence in India's history.


In this video, I break down:
✅ What a Payments Bank actually is (and cannot do)
✅ The full timeline — from RBI's first warning in 2022 to licence cancellation
✅ The 4 root causes: KYC failures, fund flow issues, tech non-compliance & governance
✅ What happens to your ₹1,395 crore in deposits
✅ How Paytm (One97) survived the collapse of its own bank
✅ 4 big lessons for Indian fintech


If you're a fintech professional, banking aspirant, or just a curious Indian — this is
one case study you need to understand cold.


⏱ CHAPTERS
0:00 — Hook: The RBI just did something unprecedented
1:00 — What is a Payments Bank? (The dhabawala analogy)
2:30 — Timeline: 2015 to 2026
4:00 — What went wrong: KYC, fund flows, governance
5:45 — How RBI escalates: 5 steps explained
7:00 — Is your money safe? (Yes — here's why)
8:00 — How Paytm survived: the TPAP pivot
9:00 — Big picture: what this means for Indian fintech
10:15 — 5 things to remember


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🔗 RELATED VIDEOS
→ What is UPI and How Does it Work? [link]
→ How RBI Regulates Indian Fintech [link]
→ What is KYC and Why Does it Matter? [link]
→ Payments Banks vs Small Finance Banks: Full Comparison [link]


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#KYC #PaymentsBank #IndianBanking #RBIRegulation #Paytm