This kind of revision and structure gives the flexibility to each one of you to identify your area of strength and put maximum effort there. This way you can generate surplus and trade that in the Priority Sector Lending Certificate (PSLC) market while buying certificates in areas where others have generated surplus. This is how the whole philosophy of PSLC will work.
I will dwell upon the developments in the PSLC market a little later. Potential for job creation, self-employment and implications for priority sector 12. There are few emerging opportunities. One arises from the demographic changes which lead to entry of large number of job-seeking youth within the system.