The number of borrowers who borrowed less than Rs.2,00,000 increased from 61.9 million in 2004 to 95.8 million in 2009 – although there is an increase of nearly 34 million, a vast majority of the population still remain unserved.
If the coverage of those borrowing less than Rs.2,00,000 has to increase to at least 50 per cent of the adult population in the next three years, the number of borrowal accounts will have to increase annually by at least 41.3 per cent. How are banks going to deal with this scale?