Does this probably indicate:
A problem in credit today is that these "schemes" are underutilized by those who really need it, and overutilized by those who don’t. A farmer that can pay back a loan does not because he expects a waiver. A student who deserves a loan struggles due to lack of a "guarantor", but those who don’t need the money but would like a loan at a lower rate get themselves education loans.
I’d like to see the RBI and the government reduce such sectoral credit focus, and to keep things more even.
Okay, I’ll stop about the RBI.