........To be an effective asset manager, says N. Srinivasan, a Pune-based consultant who has worked with NABARD and RBI, the post office will have to learn how to invest money, give loans to factories and village folk. It will also face an onerous task: collections. “Setting up a bank will prove a challenge. Today, people feel postal deposits are government deposits. Will this perception last when it becomes a bank? It’s to be seen,” he says.............
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