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Small Finance Banks: Balancing Financial Inclusion and Viability

Summary:
Richa Saraf and Pallavi Chavan of RBI in Jan-2021 Monthly Bulletin write a short paper on Small Finance banks: Small Finance Banks are a new entrant into the Indian banking system with a differentiated focus on financial inclusion. They have witnessed a rapid growth in their branch network and asset base while maintaining a healthy asset quality and generating high return on assets. These banks have been reasonably successful in reaching out to under-served sectors, such as the Micro, Small and Medium Enterprises (MSMEs), and have an impressive coverage of borrowers with small credit needs. This entry was posted on January 21, 2021 at 3:20 pm and is filed under Academic research & research papers, Economics - macro, micro etc,

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Richa Saraf and Pallavi Chavan of RBI in Jan-2021 Monthly Bulletin write a short paper on Small Finance banks:

Small Finance Banks are a new entrant into the Indian banking system with a differentiated focus on financial inclusion. They have witnessed a rapid growth in their branch network and asset base while maintaining a healthy asset quality and generating high return on assets. These banks have been reasonably successful in reaching out to under-served sectors, such as the Micro, Small and Medium Enterprises (MSMEs), and have an impressive coverage of borrowers with small credit needs.

Amol Agrawal
I am currently pursuing my PhD in economics. I have work-ex of nearly 10 years with most of those years spent figuring economic research in Mumbai’s financial sector.

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