29  The basis of the first publication of the “Golden Book” lay in a fundamental question as to the central bank’s functions. This was whether the central bank should carry out its business based only on the situation or opinion of the central government.
Here, financial capability building through financial literacy and education also assume great importance. We have mandated the setting up of Financial Literacy and Credit Counselling Centres which are expected to go a long way in ameliorating the lot of the customer although it should be understood that first we have to provide financial access. 16.