.....................If Dr Rajan is serious about a fair deal for consumers, he has to fix the mis-selling of third-party products first. The Banking Ombudsman Scheme has to be modified to examine mis-selling of insurance and mutual funds and other products under ‘wealth management’. If Dr Rajan can open a dialogue with the central vigilance commission (CVC) to ensure that bankers are not traumatised by vigilance inquiries into legitimate decision, he should find it easier to get the........
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