All Nationalised banks or their agents should opt to aggressive MICRO FINANCE

Already Banks are focusing to offer credit off take to Agriculture
and Micro Medium Small Enterprises..,
RBI can instruct banks to focus on Micro Finance.

Advantage

1> Inclusive Growth

2>  Huge Self Employment  creation ; Poverty elevation

3> Poor people are ready to give even 20% to 25% which is very less
compared to traditional unorganized unregulated lenders offer lending at.

4> Banks balance sheet will improve with good spreads (the difference
between their lending and borrowing rates).

5> They can offer good interest rate on saving Fixed deposits.

Warm Regards
Mr. Bankim Shah