.............RBI’s job in selecting candidates isn’t going to be easy—India Post, for instance, looks well-positioned to deliver on inclusion given its rural reach even though its track record is quite poor on various other parameters. The important thing, however, is that RBI has an impressive list to choose from. Meanwhile, even as new players come into the banking arena, the finance ministry and RBI would do well to facilitate mergers and takeovers; consolidation could bring about greater efficiencies.
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