Further, the bank led model provides regulatory comfort as the banks have been in the business of banking including money transfer; systems to adhere to  BIS central bankers’ speeches  1  KYC/AML norms and customer grievance redressal are in place and are under the direct regulation and supervision by the Reserve Bank of India.
A breakdown of financial institutions’ individual investment and lending for strengthening the foundations for economic growth in the period April 2010–March 2012 by designated business area shows that almost 30 percent of the total funds was provided to “environment and energy business” and almost 20 percent was provided to “medical, nursing care, and other health-related business,” but funds were also provided to business areas falling under the category of “others,” such as lending or investment to revitalize local industries.