These people would need to be protected from such possibilities because, we must realize that this group has entered the formal system after lot of efforts and cajoling, and if for any reason if they walk out feeling hurt, then it would be virtually impossible to bring them back. So this sensitivity has to be there. 16.
As far as the kindergarten illiterate I have already spoken enough before awarding the winners of the NCFLAT. But broadly under the FSDC and its Sub-Committee, a Technical Group is working on the Financial Inclusion and Financial Literacy areas.