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CARE Rankings Analysis Report
In FY21, financial institution credit score progress was muted (lowest since final 4 years) as lenders and debtors remained threat averse as a result of pandemic-led uncertainty.
The financial institution credit score was largely supported by the agriculture, retail phase and disbursements beneath Emergency Credit score Line Assure Scheme scheme, whereas business progress was largely muted.
The expansion in retail phase was pushed by credit score push and rate of interest concessions on house loans.
It was additional aided by varied regulatory measures by Reserve Financial institution of India within the type of rate of interest cuts and money reserve ratio exemption on credit score disbursed to new micro small and medium enterprise debtors throughout FY21.
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