{"id":162482,"date":"2025-07-23T15:53:06","date_gmt":"2025-07-23T10:23:06","guid":{"rendered":"https:\/\/www.practicemock.com\/blog\/?p=162482"},"modified":"2025-09-09T16:41:45","modified_gmt":"2025-09-09T11:11:45","slug":"vishleshan-for-regulatory-exams-23-july-2025","status":"publish","type":"post","link":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-23-july-2025\/","title":{"rendered":"Vishleshan for Regulatory Exams, 23 July 2025:\u00a0RBI Push for Productive Credit &amp; Inclusion Index 2024\u201325"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.practicemock.com\/blog\/author\/asad-khanpracticemock-com\/\"><\/a><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/www.practicemock.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/www.practicemock.com\/blog\/category\/vishleshan\/\">Vishleshan<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\">Vishleshan: RBI Credit Strategy &#038; Inclusion Index 2024-25<\/span><\/span><\/div>\n\n\n<p><\/p>\n\n\n\n<p>To get ready for the UPSC, RBI, SEBI, or NABARD exam, you have to stay updated about key economic and regulatory updates. In today\u2019s edition of&nbsp;Vishleshan, we&#8217;ll discuss the RBI Push for Productive Credit &amp; Inclusion Index 2024\u201325. These issues are highly relevant for competitive exams and offer valuable insights into India\u2019s evolving manufacturing sector and the GCCs. Keep reading to stay ahead with a clear understanding of these current updates.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.practicemock.com\/blog\/author\/asad-khanpracticemock-com\/\"><\/a><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/rbi-grade-b-test-series\/?ref=13654\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Take a Free RBI Grade Mock Test to Boost Your Preparation and Improve Success 10X Faster!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Also, know why&nbsp;<a href=\"https:\/\/www.practicemock.com\/blog\/rbi-grade-b-phase-1-exam\/\" target=\"_blank\" rel=\"noreferrer noopener\">RBI Grade B Phase 1 Exam: The Silent Eliminator of 99% Aspirants<\/a><\/strong>&nbsp;<strong>&amp;&nbsp;<a href=\"https:\/\/www.practicemock.com\/blog\/what-is-the-finance-and-management-syllabus-for-rbi-grade-b-exam\/\" target=\"_blank\" rel=\"noreferrer noopener\">What is the Finance and Management Syllabus for RBI Grade B Exam?<\/a><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">RBI Must Mobilise Cheap Loans into Productive Uses<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Context<\/strong>: India\u2019s banking system is flush with liquidity amid weak demand for loans that go into value generation. This could spell larger risks than RBI\u2019s monetary policy may have pencilled in.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Link to the Article<\/strong>: <a href=\"https:\/\/www.livemint.com\/opinion\/online-views\/cost-of-credit-cheap-loans-productive-uses-central-banking-monetary-policy-rbi-credit-demand-inflation-control-liquidity-11753176806231.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Mint<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>The Reserve Bank of India (RBI) recently pivoted its monetary policy stance from inflation control to growth support, implementing a significant rate cut and easing liquidity. However, this aggressive approach appears to have overlooked a critical &#8220;unmarked bump in the highway&#8221;: <strong>stagnant consumption demand<\/strong>. This mismatch between abundant liquidity and weak credit uptake is raising concerns among senior bankers and economists about potential unintended consequences, including a surge in risky unsecured retail loans and the fuelling of speculative asset bubbles, reminiscent of a near-crisis situation seen a few years ago.<\/p>\n\n\n\n<p><strong><u>Monetary Policy:<\/u><\/strong><\/p>\n\n\n\n<p><strong>Monetary Policy:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What:<\/strong> Monetary policy refers to the actions undertaken by a central bank (like the RBI) to control the <strong>money supply and credit conditions<\/strong> to influence the overall economic activity. It&#8217;s a key tool for managing macroeconomic goals such as price stability, economic growth, and financial stability.<\/li>\n\n\n\n<li><strong>Nature:<\/strong> The article describes central banking as &#8220;both an art and a science&#8221;. Central bankers analyze &#8220;past data to fashion monetary policy for the future&#8221; while also being &#8220;circumspect about the path ahead&#8221;.<\/li>\n<\/ul>\n\n\n\n<p><strong>Monetary Policy Committee (MPC):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Composition:<\/strong> The MPC comprises <strong>six members<\/strong>: three officials from the RBI (including the Governor as ex-officio Chairperson and the Deputy Governor in charge of monetary policy) and three external members appointed by the Central Government.<\/li>\n\n\n\n<li><strong>Mandate:<\/strong> Its primary mandate, under <strong>Section 45ZB of the RBI Act, 1934<\/strong>, is to determine the policy interest rates (like the repo rate) required to achieve the <strong>inflation target<\/strong> set by the Government of India (currently 4% CPI inflation with a +\/- 2% tolerance band). This framework aims for greater transparency and accountability.<\/li>\n\n\n\n<li><strong>Meetings:<\/strong> The MPC is mandated to meet at least <strong>four times a year<\/strong>, and the minutes of its proceedings are published.<\/li>\n\n\n\n<li><strong>Current MPC Action:<\/strong> The MPC, &#8220;led by Governor Sanjay Malhotra, has boldly cut benchmark rates of interest by a full percentage point and eased liquidity to generate credit demand in India Inc and induce banks to offer cheaper loans, with both expected to stimulate economic growth&#8221;. This recent action signals a pivot from <strong>inflation control to growth support<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Monetary Policy Transmission:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What:<\/strong> Monetary policy transmission is the process by which a central bank&#8217;s policy actions (e.g., changes in benchmark interest rates or liquidity measures) are transmitted through the financial system to influence lending rates, credit availability, asset prices, and ultimately, real economic activity (consumption, investment, inflation).<\/li>\n\n\n\n<li><strong>In case of Rate Hike (Tightening Policy):<\/strong>\n<ul class=\"wp-block-list\">\n<li>Central bank raises policy rates (e.g., repo rate).<\/li>\n\n\n\n<li>Banks&#8217; borrowing costs from the central bank increase.<\/li>\n\n\n\n<li>Banks raise their lending and deposit rates.<\/li>\n\n\n\n<li>Higher interest rates make borrowing more expensive for businesses and consumers.<\/li>\n\n\n\n<li>This leads to reduced credit demand, lower investment, slower consumption, and eventually helps to cool down inflation.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>In case of Rate Cut (Easing Policy):<\/strong>\n<ul class=\"wp-block-list\">\n<li>Central bank lowers policy rates (e.g., repo rate).<\/li>\n\n\n\n<li>Banks&#8217; borrowing costs from the central bank decrease.<\/li>\n\n\n\n<li>Banks <em>should<\/em> lower their lending and deposit rates.<\/li>\n\n\n\n<li>Cheaper loans aim to stimulate credit demand, investment, and consumption, thereby boosting economic growth.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Impact on the Economy:<\/strong> Effective transmission ensures that the central bank&#8217;s policy signals reach the real economy. A breakdown or lag in transmission can render policy actions less effective or even counterproductive. The article highlights that the current drive to stimulate growth &#8220;appears to have overlooked an unmarked bump in the highway: stagnant consumption demand, which dampens the capacity utilization of industry and thus its need for credit&#8221;.<\/li>\n<\/ul>\n\n\n\n<p><strong>Analysis of the Article: Decoding the Policy Transmission Challenge<\/strong><\/p>\n\n\n\n<p>The article critiques the RBI&#8217;s recent growth-supportive monetary policy, arguing that despite aggressive rate cuts and liquidity infusions, the policy&#8217;s effectiveness is hampered by stagnant consumption demand, leading to unintended consequences and raising questions about its overall efficacy.<\/p>\n\n\n\n<p><strong>1. The Paradox of Abundant Liquidity Amidst Stagnant Demand:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&#8220;Money, money, everywhere, but the cost is high&#8221;:<\/strong> The banking system is &#8220;slush with money,&#8221; but banks are finding that the &#8220;pile of low-cost savings and current accounts is depleting every quarter,&#8221; leading to &#8220;no cheap money to lend at a decent margin&#8221;. This means banks&#8217; overall cost of funds might not be falling sufficiently, squeezing their margins despite policy rate cuts.<\/li>\n\n\n\n<li><strong>Aggressive Liquidity Absorption by RBI:<\/strong> The &#8220;excess money in the banking system amid torpid credit demand has compelled RBI to suck out liquidity every week&#8221;. For example, it absorbed almost <strong>\u20b914.2 trillion<\/strong> in seven days from July 3 to July 10. This paradoxical situation indicates that RBI&#8217;s liquidity injections are not being fully absorbed by productive credit demand.<\/li>\n\n\n\n<li><strong>Rising &#8220;Other Deposits&#8221;:<\/strong> The category of &#8216;Other Deposits&#8217; in RBI\u2019s list of liabilities (which includes reverse repo operations) is <strong>up 43% in the 12 months ended July 11<\/strong>. This signals increased parking of surplus funds by banks with the RBI.<\/li>\n<\/ul>\n\n\n\n<p><strong>2. Unintended Consequences of Excess Liquidity and Weak Demand:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Desperation for Lending:<\/strong> &#8220;Weak demand for credit and the need of lenders to earn off the plentiful liquidity available may have bred desperation&#8221;.<\/li>\n\n\n\n<li><strong>Surge in Unsecured Retail Loans:<\/strong> This desperation has led &#8220;many non-bank lenders [to] sought out retail borrowers again, satisfying their latent demand for unsecured loans that are extended primarily to meet quotidian consumption needs&#8221;.<\/li>\n\n\n\n<li><strong>Risk of Defaults:<\/strong> If history is any guide, a &#8220;bulge in this loan category presents a risk because such borrowers typically have multiple loans and any stress event can trigger a cascade of defaults&#8221;. This is reminiscent of a &#8220;near crisis two-three years ago when there was a spike in unsecured retail lending for consumption and also high speculation in equity derivatives&#8221;.<\/li>\n\n\n\n<li><strong>Relaxation of Prudential Norms:<\/strong> Former RBI governor Shaktikanta Das had addressed the earlier impasse by &#8220;tightening prudential norms,&#8221; but Governor Malhotra &#8220;relaxed these rules soon after he assumed office&#8221;. This relaxation could potentially amplify the risks.<\/li>\n\n\n\n<li><strong>Slowdown in Deposit Solicitation:<\/strong> Abundant liquidity may &#8220;push banks to go slow on soliciting deposits from savers&#8221;.<\/li>\n\n\n\n<li><strong>Savings Towards High-Risk Assets:<\/strong> In turn, this could &#8220;drive even more savings towards high-risk-high-return assets, which could well be via speculative platforms in equity markets&#8221;.<\/li>\n\n\n\n<li><strong>Inflationary Pressure (Long Lag):<\/strong> Surplus systemic liquidity, &#8220;which works through the system with imprecise leads and lags, could be inflation&#8221;. If productive credit demand is weak, the pumped-out money tends to fuel demand for goods and services that producers cannot always meet, leading to &#8220;a rise in inflationary expectations&#8221;.<\/li>\n<\/ul>\n\n\n\n<p><strong>3. RBI&#8217;s Acknowledgment and Debate on Policy Stance:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&#8220;Necessary but Not Sufficient&#8221;:<\/strong> Governor Malhotra conceded that a &#8220;pick-up in credit demand will ultimately depend on macro-economic factors; RBI\u2019s rate cuts and liquidity infusion are a necessary but not sufficient condition&#8221;. This acknowledges the limits of monetary policy when underlying demand is weak.<\/li>\n\n\n\n<li><strong>Resonance of Dissent Note:<\/strong> In light of the risks (listless credit demand and profuse liquidity), the June policy meeting\u2019s dissent note advocating <strong>&#8220;cautious progress in policy easing&#8221;<\/strong> has &#8220;more resonance now than ever before&#8221;. This highlights the internal debate within the MPC about the pace and extent of monetary easing.<\/li>\n<\/ul>\n\n\n\n<p>In conclusion, the RBI&#8217;s aggressive monetary easing, intended to bolster growth, faces a significant challenge from stagnant consumption demand. This disconnect has led to a paradoxical situation of ample liquidity but weak productive credit uptake, prompting concerns about the surge in risky unsecured lending, potential asset bubbles, and future inflationary pressures. The situation underscores the limitations of monetary policy alone in driving growth when broader economic demand remains subdued, bringing the MPC&#8217;s calibrated approach into sharp focus.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong><br><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Financial Inclusion Index: 2024-25<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Context<\/strong>: Although RBI\u2019s Financial Inclusion Index has shown a gain in 2024-25, too many Indians remain at the harsh end of a deeply entrenched inequity.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Link to the Article<\/strong>: <a href=\"https:\/\/www.livemint.com\/opinion\/quick-edit\/financial-inclusion-index-rbi-jan-dhan-accounts-lending-rates-banking-correspondents-reserve-bank-of-india-access-11753178248676.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Mint<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>The Reserve Bank of India (RBI) recently released its <strong>Financial Inclusion Index (FI-Index)<\/strong> for <strong>2024-25<\/strong>, showing a rise to <strong>67<\/strong> from 64.2 the previous year. This improvement reflects gains across all sub-indices: financial access, usage, and quality. While this indicates a deepening of financial inclusion in India, the persistent challenge of reaching the most vulnerable segments, particularly in remote areas, underscores the ongoing need for a more comprehensive approach to ensure equitable access to affordable financial services.<\/p>\n\n\n\n<p><strong><u>Financial Inclusion:<\/u><\/strong><\/p>\n\n\n\n<p>Financial Inclusion refers to the delivery of financial services at an affordable cost to a vast section of the disadvantaged and low-income groups. It aims to broaden the access to and usage of various financial products and services, such as banking, loans, insurance, and pensions, for all individuals and businesses, regardless of their income level, location, or social status.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Core Idea:<\/strong> The fundamental idea behind financial inclusion is to integrate financially excluded populations into the formal financial system. This empowers individuals and communities by providing them with tools to save, invest, manage risks, and access credit, ultimately fostering economic growth, reducing poverty, and promoting equity. The article states that financial inclusion has a &#8220;multiplier effect in boosting overall economic output, reducing poverty and income inequality, and in promoting gender equality and women empowerment&#8221;.<\/li>\n<\/ul>\n\n\n\n<p><strong>Financial Inclusion Index (FI-Index):<\/strong><\/p>\n\n\n\n<p>The <strong>FI-Index<\/strong> is a comprehensive measure developed by the Reserve Bank of India to capture various aspects of financial inclusion in a single value.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inception:<\/strong> The RBI created this index <strong>more than half a decade ago<\/strong>, publishing its first-ever reading of <strong>53.9 for 2020-21 in August 2021<\/strong>.<\/li>\n\n\n\n<li><strong>Parameters\/Components:<\/strong> The FI-Index comprises <strong>three broad parameters<\/strong>:\n<ul class=\"wp-block-list\">\n<li><strong>Access (35% weight)<\/strong>. This measures the availability of financial services (e.g., bank branches, ATMs, digital points of presence).<\/li>\n\n\n\n<li><strong>Usage (45% weight)<\/strong>. This measures the extent to which financial services are actually being used by individuals (e.g., number of transactions, credit uptake).<\/li>\n\n\n\n<li><strong>Quality (20% weight)<\/strong>. This parameter captures the qualitative aspect of financial inclusion, reflecting factors like financial literacy, consumer protection, and inequalities and deficiencies in services. It is a unique feature of the Index.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Methodology:<\/strong> The index has been conceived as a &#8220;comprehensive index incorporating details of banking, investments, insurance, postal as well as the pension sector&#8221; in consultation with Government and respective sectoral regulators.<\/li>\n\n\n\n<li><strong>Score Range:<\/strong> The index captures information on various aspects of financial inclusion in a single value between <strong>0 and 100<\/strong>, where <strong>0 represents complete financial exclusion and 100 indicates full financial inclusion<\/strong>.<\/li>\n\n\n\n<li><strong>No Base Year:<\/strong> The FI-Index has been constructed &#8220;without any \u2018base year\u2019 and as such it reflects cumulative efforts of all stakeholders over the years towards financial inclusion&#8221;.<\/li>\n\n\n\n<li><strong>Publication Frequency:<\/strong> The FI-Index will be published annually in July every year.<\/li>\n<\/ul>\n\n\n\n<p><strong><u>Analysis of the Article: Decoding the Financial Inclusion Journey in India<\/u><\/strong><\/p>\n\n\n\n<p>The article highlights India&#8217;s progress in financial inclusion as reflected by the FI-Index but critically points out persistent challenges, particularly in ensuring equitable and affordable access to formal credit for the most vulnerable.<\/p>\n\n\n\n<p><strong>1. Continued Progress in Financial Inclusion:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FI-Index Rise:<\/strong> The FI-Index for <strong>2024-25<\/strong> stands at <strong>67<\/strong>, a rise from <strong>64.2<\/strong> in the previous year.<\/li>\n\n\n\n<li><strong>Broad-based Gains:<\/strong> This increase is attributed to &#8220;gains across all sub-indices\u2014namely, for financial access, usage and quality&#8221;.<\/li>\n\n\n\n<li><strong>Deepening Inclusion:<\/strong> The central bank notes that the increase was led by &#8220;progress on the dimensions of usage and quality,&#8221; reflecting the &#8220;deepening of financial inclusion and sustained financial literacy initiatives&#8221;.<\/li>\n<\/ul>\n\n\n\n<p><strong>2. Persistent Challenges and &#8220;Hardest Nut to Crack&#8221;:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Access to Formal Services:<\/strong> Despite efforts, &#8220;public access to formal services is the hardest nut to crack&#8221;. This is evident given India&#8217;s &#8220;sheer expanse&#8221;.<\/li>\n\n\n\n<li><strong>Reliance on Informal Moneylenders:<\/strong> Many people in remote villages, despite initiatives like banking correspondents and Jan Dhan accounts, <strong>&#8220;still pay informal moneylenders usurious rates of interest&#8221;<\/strong>. This highlights a significant gap in the reach and effectiveness of formal financial services for the most vulnerable.<\/li>\n\n\n\n<li><strong>Inequity in Loan Costs:<\/strong> It is &#8220;tragic that the well-off get cheap loans while the hard-up pay a much higher price for money even if they\u2019re equally creditworthy&#8221;. This points to a fundamental inequity in the financial system.<\/li>\n\n\n\n<li><strong>RBI&#8217;s Lending Rates&#8217; Limited Bearing:<\/strong> The RBI&#8217;s easing of lending rates often &#8220;has no bearing on their lives&#8221; (those relying on informal moneylenders). This signifies a failure in policy transmission to the deepest segments of the economy.<\/li>\n<\/ul>\n\n\n\n<p><strong>3. Call for Faster and Emancipatory Inclusion:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The article argues that &#8220;Inclusion must improve faster for an emancipatory measure of relief from this inequity&#8221;. This underscores the social justice aspect of financial inclusion.<\/li>\n<\/ul>\n\n\n\n<p>In conclusion, while India&#8217;s Financial Inclusion Index shows commendable progress in recent years, particularly in the usage and quality dimensions, the critical challenge remains the equitable provision of affordable formal financial services to all, especially those in remote areas still dependent on informal moneylenders. The disconnect between monetary policy actions and the reality faced by the financially vulnerable highlights the need for faster and more impactful inclusion efforts to address deep-seated inequities in the financial system.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Explore how RBI\u2019s 2024-25 monetary stance and rising Financial Inclusion Index reflect India\u2019s economic direction\u2014highlighting both progress in financial access and persistent credit disparities.<\/p>\n","protected":false},"author":6,"featured_media":162506,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[4022],"tags":[],"class_list":["post-162482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vishleshan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Vishleshan for Regulatory Exams, 23 July 2025:\u00a0RBI Push for Productive Credit &amp; Inclusion Index 2024\u201325<\/title>\n<meta name=\"description\" content=\"RBI&#039;s 2024-25 push for productive credit and rising Financial Inclusion Index signal growth, 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Productive Credit & Inclusion Index 2024\u201325","description":"RBI's 2024-25 push for productive credit and rising Financial Inclusion Index signal growth, but key gaps in credit access for the poor remain a concern.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.practicemock.com\/blog\/vishleshan-for-regulatory-exams-23-july-2025\/","og_locale":"en_US","og_type":"article","og_title":"Vishleshan for Regulatory Exams, 23 July 2025:\u00a0RBI Push for Productive Credit & Inclusion Index 2024\u201325","og_description":"RBI's 2024-25 push for productive credit and rising Financial Inclusion Index signal growth, but key gaps in credit access for the poor remain a 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