While on the institutional mechanism, just as a reassuring thought, I would like to mention that we at RBI are extremely mindful of the trials and tribulations of small enterprises and we have put in place institutional mechanism for deliberating and generating solutions for issues concerning the MSME sector.
First, there is the Standing Advisory Committee at the national level which I chair and in which some of the industry bodies participate. Then there is an Empowered Committee at the Regional Offices of RBI and then there are town hall meetings held at periodic intervals to serve as a forum for feedback.