.................The second phase in which two banks were licensed did not change fundamentals. RBI’s policy guidelines indicate that the learning from the earlier experiences informs them, but they don’t contain game-changing conditionalities. What is the strategy of RBI on regional, sectoral and aggregation disparity? Will any of the new players come out with a business plan that will appeal to RBI on this count? Is there a game-changer applicant lurking out there? It will be interesting to watch this space.
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